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Rates & Fees

Savings Account Rates

Account TypeDividend RateAPY*
Prime Savings0.15%0.15%
Custom Savings0.15%0.15%
Monty Moose0.15%0.15%
Christmas Club0.15%0.15%
Super Saver Tier I
($1,000 - $99,999.99)
0.40%0.40%
Super Saver Tier II
($100,000+)
2.25%.40% - 2.09%
Acadia Star Money Market Tier 1
($2,500 - $49,999.99)
1.00%1.01%
Acadia Star Money Market Tier 2
($50,000 - $99,999.99)
1.75%1.01% - 1.39%
Acadia Star Money Market Tier 3
($100,000 - $199,999.99)
2.25%1.39% - 1.83%
Acadia Star Money Market Tier 4
($200,000+)
2.50%1.83% - 2.39%
Health Savings Account (HSA)0.15%0.15%
HSA Super Saver Tier 1
($1,000 - $99,999.99)
0.40%0.40%
HSA Super Saver Tier 2
($100,000+)
2.25%.40% - 2.09%

*APY = Annual Percentage Yield. All rates are subject to change without notice.

†When qualification and minimum balance requirements are met

**Super Saver, Acadia Star Money Market, and HSA Super Saver accounts are compounded daily and credited monthly. These are "Tiered Rate" accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yields, which vary depending on the balance in the account, are shown for each tier.

Loan Calculator

Format: 12M, 36M, 3Y, 7Y

Frequently Asked Questions

  • Can borrowers use their savings or share certificate balances as collateral for a loan?

    Yes – a share-secured loan lets you borrow money using a savings account, a share certificate (also known as a CD in the banking world), Acadia Super Saver account, or Acadia Star Money Market account as collateral. We’ll “freeze” the amount you’d like to borrow and while the amount won’t be available for withdrawal, it will remain in your account and continue to earn dividends. Share-secured loans allow you to keep the money you have worked so hard for! As you pay down the loan, your funds become available to you again. A share-secured loan is also a great way to build or rebuild your credit score.

  • What is the minimum age for opening a primary savings account (no joint owner) at Acadia FCU?

    The minimum age for a sole primary savings account holder is 18.

  • Does Acadia FCU have a Money Market option?

    Yes, our Acadia Star Money Market account might be just what you’re looking for! If you have a little extra money in your savings and you’d like to earn more dividends with the freedom to withdraw funds at any time, this is your product. Find rates for the Acadia Star Money Market account and other savings options here.  Contact us to see how we can help find the right savings option that’s perfect for YOU.

     

  • I want to know if my money is safe. Are Acadia FCU member accounts federally insured?

    The short answer is YES. Here are few important things to know about how Maine credit unions are protected:

    • Federally insured credit unions offer a safe place for credit union members to save money. These deposits are protected by the National Credit Union Share Insurance Fund and insured up to at least $250,000 per individual depositor – the same as any other federally insured financial institution.
    • Credit union deposits in federally insured credit unions are safe and secure, and all Maine credit unions are federally insured.
    • Credit union members have never lost a penny of insured savings at a federally insured credit union.
    • All Maine credit unions are regularly examined by financial regulators to ensure proper management and maintain the safety and soundness of members’ money within the institution.

    Visit www.MyCreditUnion.gov for more information about the National Credit Union Share Insurance Fund coverage for consumers. Download this informational brochure to help answer any other questions you may have.

  • What are the penalties for early withdrawals on my Acadia Share Certificate?

    The amount of the penalty is based on the term of your certificate account. For account terms 12 months or less, the penalty is equal to six months’ (180 days) dividends on the amount withdrawn whether earned or not. For account terms greater than 12 months, the penalty is equal to nine months’ (270 days) dividends on the amount withdrawn whether earned or not.

    Note: Both Certificates of Deposit (CDs) and share certificates are low-risk deposit accounts where your money can grow at a fixed rate. The main distinction between them is that CDs are products offered by for-profit banks, while share certificates are offered by member-owned, not-for-profit credit unions. Share certificates are federally insured by the NCUA while the FDIC insures CDs at banks.

  • Do you have a brochure for your commercial / business lending loans and services?

    Yes, you can download or view a copy of our Business Services brochure.

  • Can I open a savings account with Acadia online?

    You certainly can open savings accounts online! You can apply right here and indicate what type of account you want to open.

  • Where can I find Acadia’s disclosures or new account forms and applications?

    You can find all of Acadia’s important disclosures and various account applications right here.

  • What is the cost for opening an Acadia Business Star account?

    You only need to deposit $25.

  • ​What kinds of businesses can open an Acadia Business Star account?

    Any legal business entity can open a Business Star account, including sole proprietorships, LLCs, LLPs, C Corps, S Corps, partnerships, non-profits, and more.

Need help? Send us a message.

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My former job as MSR gave me the opportunity to help members that sometimes have nowhere else to go and are often embarrassed to ask for help. Whether its financial or personal, I LOVE helping people. Shirley Chasse, Member Service Rep & Cross Country Adventurer (Now retired)