Rates
Discover the power of Maine Community Bank.
Get the benefits of more lending power, competitive interest rates, and local decisions.
Bank with Confidence.
Rates effective March 15, 2026 and are subject to change.
Personal
207 Rewards Checking
$1.00 to $9,999.99
Annual Percentage Yield (APY)
0.02%
Minimum Deposit to Open
$1.00
$10,000.00 or more
Annual Percentage Yield (APY)
0.05%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $9,999.99
0.02%
$1.00
$10,000.00 or more
0.05%
$1.00
Champion High-Yield Checking – High Tier*
$1.00 to $9,999.99
Annual Percentage Yield (APY)
0.05%
Minimum Deposit to Open
$1.00
$10,000.00 to $49,999.99
Annual Percentage Yield (APY)
0.15%
Minimum Deposit to Open
$1.00
$50,000.00 to $99,999.99
Annual Percentage Yield (APY)
0.20%
Minimum Deposit to Open
$1.00
$100,000.00 to $249,999.99
Annual Percentage Yield (APY)
0.25%
Minimum Deposit to Open
$1.00
$250,000.00 to $499,999.99
Annual Percentage Yield (APY)
0.50%
Minimum Deposit to Open
$1.00
$500,000.00 to $4,999,999.99
Annual Percentage Yield (APY)
0.60%
Minimum Deposit to Open
$1.00
$5,000,000.00 or more
Annual Percentage Yield (APY)
0.25%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $9,999.99
0.05%
$1.00
$10,000.00 to $49,999.99
0.15%
$1.00
$50,000.00 to $99,999.99
0.20%
$1.00
$100,000.00 to $249,999.99
0.25%
$1.00
$250,000.00 to $499,999.99
0.50%
$1.00
$500,000.00 to $4,999,999.99
0.60%
$1.00
$5,000,000.00 or more
0.25%
$1.00
Champion High-Yield Checking – Low Tier*
$1.00 to $9,999.99
Annual Percentage Yield (APY)
0.05%
Minimum Deposit to Open
$1.00
$10,000.00 to $49,999.99
Annual Percentage Yield (APY)
0.05%
Minimum Deposit to Open
$1.00
$50,000.00 to $99,999.99
Annual Percentage Yield (APY)
0.10%
Minimum Deposit to Open
$1.00
$100,000.00 to $249,999.99
Annual Percentage Yield (APY)
0.15%
Minimum Deposit to Open
$1.00
$250,000.00 to $499,999.99
Annual Percentage Yield (APY)
0.20%
Minimum Deposit to Open
$1.00
$500,000.00 to $4,999,999.99
Annual Percentage Yield (APY)
0.20%
Minimum Deposit to Open
$1.00
$5,000,000.00 or more
Annual Percentage Yield (APY)
0.20%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $9,999.99
0.05%
$1.00
$10,000.00 to $49,999.99
0.05%
$1.00
$50,000.00 to $99,999.99
0.10%
$1.00
$100,000.00 to $249,999.99
0.15%
$1.00
$250,000.00 to $499,999.99
0.20%
$1.00
$500,000.00 to $4,999,999.99
0.20%
$1.00
$5,000,000.00 or more
0.20%
$1.00
Health Savings Account
$1.00 or more
Annual Percentage Yield (APY)
0.50%
Minimum Deposit to Open
$0.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 or more
0.50%
$0.00
207 Savings
$1.00 to $249,999.99
Annual Percentage Yield (APY)
1.77%
Minimum Deposit to Open
$1.00
$250,000.00 or more
Annual Percentage Yield (APY)
0.00%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $249,999.99
1.77%
$1.00
$250,000.00 or more
0.00%
$1.00
Essential Savings
$1.00 to $2,499.99
Annual Percentage Yield (APY)
0.05%
Minimum Deposit to Open
$1.00
$2,500.00 to $9,999.99
Annual Percentage Yield (APY)
0.05%
Minimum Deposit to Open
$1.00
$10,000.00 to $24,999.99
Annual Percentage Yield (APY)
0.05%
Minimum Deposit to Open
$1.00
$25,000.00 to $49,999.99
Annual Percentage Yield (APY)
0.10%
Minimum Deposit to Open
$1.00
$50,000.00 to $99,999.99
Annual Percentage Yield (APY)
0.10%
Minimum Deposit to Open
$1.00
$100,000.00 or more
Annual Percentage Yield (APY)
0.10%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $2,499.99
0.05%
$1.00
$2,500.00 to $9,999.99
0.05%
$1.00
$10,000.00 to $24,999.99
0.05%
$1.00
$25,000.00 to $49,999.99
0.10%
$1.00
$50,000.00 to $99,999.99
0.10%
$1.00
$100,000.00 or more
0.10%
$1.00
Essential Money Market
$1.00 to $19,999.99
Annual Percentage Yield (APY)
0.15%
Minimum Deposit to Open
$1.00
$20,000.00 to $49,999.99
Annual Percentage Yield (APY)
0.20%
Minimum Deposit to Open
$1.00
$50,000.00 to $99,999.99
Annual Percentage Yield (APY)
0.25%
Minimum Deposit to Open
$1.00
$100,000.00 to $249,999.99
Annual Percentage Yield (APY)
0.25%
Minimum Deposit to Open
$1.00
$250,000.00 to $749,999.99
Annual Percentage Yield (APY)
1.50%
Minimum Deposit to Open
$1.00
$750,000.00 or more
Annual Percentage Yield (APY)
1.50%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $19,999.99
0.15%
$1.00
$20,000.00 to $49,999.99
0.20%
$1.00
$50,000.00 to $99,999.99
0.25%
$1.00
$100,000.00 to $249,999.99
0.25%
$1.00
$250,000.00 to $749,999.99
1.50%
$1.00
$750,000.00 or more
1.50%
$1.00
Champion High-Yield Money Market
$1.00 to $9,999.99
Annual Percentage Yield (APY)
0.25%
Minimum Deposit to Open
$1.00
$10,000.00 to $24,999.99
Annual Percentage Yield (APY)
0.40%
Minimum Deposit to Open
$1.00
$25,000.00 to $49,999.99
Annual Percentage Yield (APY)
0.50%
Minimum Deposit to Open
$1.00
$50,000.00 to $99,999.99
Annual Percentage Yield (APY)
1.00%
Minimum Deposit to Open
$1.00
$100,000.00 to $249,999.99
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$1.00
$250,000.00 or more
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $9,999.99
0.25%
$1.00
$10,000.00 to $24,999.99
0.40%
$1.00
$25,000.00 to $49,999.99
0.50%
$1.00
$50,000.00 to $99,999.99
1.00%
$1.00
$100,000.00 to $249,999.99
2.00%
$1.00
$250,000.00 or more
2.00%
$1.00
Business
Interest Business Checking*
$1.00 to $9,999.99
Annual Percentage Yield (APY)
0.05%
Minimum Deposit to Open
$1.00
$10,000.00 to $24,999.99
Annual Percentage Yield (APY)
0.05%
Minimum Deposit to Open
$1.00
$25,000.00 to $49,999.99
Annual Percentage Yield (APY)
0.10%
Minimum Deposit to Open
$1.00
$50,000.00 to $99,999.99
Annual Percentage Yield (APY)
0.10%
Minimum Deposit to Open
$1.00
$100,000.00 to $249,999.99
Annual Percentage Yield (APY)
0.15%
Minimum Deposit to Open
$1.00
$250,000.00 or more
Annual Percentage Yield (APY)
0.15%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $9,999.99
0.05%
$1.00
$10,000.00 to $24,999.99
0.05%
$1.00
$25,000.00 to $49,999.99
0.10%
$1.00
$50,000.00 to $99,999.99
0.10%
$1.00
$100,000.00 to $249,999.99
0.15%
$1.00
$250,000.00 or more
0.15%
$1.00
IOLTA & RAHF Checking
$1.00 or more
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 or more
2.00%
$1.00
Smart Business Savings
$1.00 to $9,999.99
Annual Percentage Yield (APY)
0.10%
Minimum Deposit to Open
$1.00
$10,000.00 to $24,999.99
Annual Percentage Yield (APY)
0.10%
Minimum Deposit to Open
$1.00
$25,000.00 to $49,999.99
Annual Percentage Yield (APY)
0.25%
Minimum Deposit to Open
$1.00
$50,000.00 to $99,999.99
Annual Percentage Yield (APY)
0.25%
Minimum Deposit to Open
$1.00
$100,000.00 to $249,999.99
Annual Percentage Yield (APY)
1.75%
Minimum Deposit to Open
$1.00
$250,000.00 or more
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $9,999.99
0.10%
$1.00
$10,000.00 to $24,999.99
0.10%
$1.00
$25,000.00 to $49,999.99
0.25%
$1.00
$50,000.00 to $99,999.99
0.25%
$1.00
$100,000.00 to $249,999.99
1.75%
$1.00
$250,000.00 or more
2.00%
$1.00
Smart Business Money Market*
$1.00 to $24.999.99
Annual Percentage Yield (APY)
0.20%
Minimum Deposit to Open
$1.00
$25,000.00 to $99,999.99
Annual Percentage Yield (APY)
0.45%
Minimum Deposit to Open
$1.00
$100,000.00 to $249,999.99
Annual Percentage Yield (APY)
0.60%
Minimum Deposit to Open
$1.00
$250,000.00 to $749,999.99
Annual Percentage Yield (APY)
1.25%
Minimum Deposit to Open
$1.00
$750,000.00 to $999,999.99
Annual Percentage Yield (APY)
1.25%
Minimum Deposit to Open
$1.00
$1,000,000.00 or more
Annual Percentage Yield (APY)
1.25%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $24.999.99
0.20%
$1.00
$25,000.00 to $99,999.99
0.45%
$1.00
$100,000.00 to $249,999.99
0.60%
$1.00
$250,000.00 to $749,999.99
1.25%
$1.00
$750,000.00 to $999,999.99
1.25%
$1.00
$1,000,000.00 or more
1.25%
$1.00
Treasury Advantage Business Money Market*
$1.00 to $49,999.99
Annual Percentage Yield (APY)
0.36%
Minimum Deposit to Open
$1.00
$50,000.00 to $99,999.99
Annual Percentage Yield (APY)
0.72%
Minimum Deposit to Open
$1.00
$100,000.00 to $249,999.99
Annual Percentage Yield (APY)
1.09%
Minimum Deposit to Open
$1.00
$250,000.00 to $749,999.99
Annual Percentage Yield (APY)
1.45%
Minimum Deposit to Open
$1.00
$750,000.00 to $999,999.99
Annual Percentage Yield (APY)
1.64%
Minimum Deposit to Open
$1.00
$1,000,000.00 or more
Annual Percentage Yield (APY)
1.82%
Minimum Deposit to Open
$1.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
$1.00 to $49,999.99
0.36%
$1.00
$50,000.00 to $99,999.99
0.72%
$1.00
$100,000.00 to $249,999.99
1.09%
$1.00
$250,000.00 to $749,999.99
1.45%
$1.00
$750,000.00 to $999,999.99
1.64%
$1.00
$1,000,000.00 or more
1.82%
$1.00
CDs & IRAs
Certificates of Deposit (CDs) – Standard Rates
91 Day
Annual Percentage Yield (APY)
2.25%
Minimum Deposit to Open
$500.00
6 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
12 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
18 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
24 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
36 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
48 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
60 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
Certificates of Deposit (CDs) – Special Offerings
6 Month Special
Annual Percentage Yield (APY)
3.50%
Minimum Deposit to Open
$500.00
12 Month Special
Annual Percentage Yield (APY)
3.25%
Minimum Deposit to Open
$500.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
6 Month Special
3.50%
$500.00
12 Month Special
3.25%
$500.00
Individual Retirement Accounts (IRAs) – Standard Rates
6 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
12 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
18 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
24 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
36 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
48 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
60 Month
Annual Percentage Yield (APY)
2.00%
Minimum Deposit to Open
$500.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
Individual Retirement Accounts (IRAs) – Special Offerings
6 Month Special
Annual Percentage Yield (APY)
3.50%
Minimum Deposit to Open
$500.00
12 Month Special
Annual Percentage Yield (APY)
3.25%
Minimum Deposit to Open
$500.00
Annual Percentage Yield (APY)
Minimum Deposit to Open
6 Month Special
3.50%
$500.00
12 Month Special
3.25%
$500.00