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Custom Savings Accounts

Set money aside for anything you could possibly want with Custom Savings accounts. Create as many accounts as you have reasons to save!

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Custom Savings Accounts

There are so many good reasons to save—keep them straight with Custom Savings accounts! They're perfect places to stash funds for weddings, vacations, emergencies, a new spaceship—anything you can imagine. You can choose a name for your account to help you stay focused on your goals. As long as you have a Prime Savings account, you can create as many custom savings accounts as you have reasons to save.

  • Dividends paid on a monthly basis

  • No minimum balance

  • No penalty for withdrawing funds

  • Insured by the NCUA up to $250,000

Rates as high as APY*

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Final Balance

Contributions:     |    Earnings: 
Initial Deposit
$
Rate (APY)
%
Monthly Contribution
$
Term (Months)
Open Account

This calculation represents an estimate.

Always great service, no matter which branch I go to! Staff is very friendly and personable.

— Lisa B.

member since 1979

Frequently Asked Questions

  • A Custom Savings account lets you to tailor an account for something specific. You can make a sub-account called ‘Wedding’, ‘Vacation’, ‘Taxes,’ or whatever you want, and use it to save just for that purpose. Money won’t transfer out of the account for any reason (unless you need it to), so you can sit back and watch your savings grow.

  • Acadia does not set a limit for custom savings accounts.

  • 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.

  • 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.

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

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Rates

Savings Account Rates

Rates effective as of: January 19, 2026

*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. The dividend rate is based on the tier for which the balance qualifies and applies to the entire account balance.

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