Skip to content

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)
Super Saver Tier II
2.25%.40% - 2.09%
Acadia Star Money Market Tier 1
($2,500 - $49,999.99)
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
2.50%1.83% - 2.39%
Health Savings Account (HSA)0.15%0.15%
HSA Super Saver Tier 1
($1,000 - $99,999.99)
HSA Super Saver Tier 2
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

More Info

To open any type of HSA with us, you’ll need to be on a high deductible health plan (HDHP). You can check on the updated contribution amounts each year here.

A HSA can grow tax-free. But if your money is being added directly through a payroll, it may already be taxed. In that case, you may want to try filing a claim for it on your annual taxes.

There are three types of HSA Accounts.

HSA Checking Account: You’ll need to have this as your primary HSA, even if you choose to open a club or a Share Certificate. This account is what you use to pay the bills for qualified medical expenses, and it includes a debit card so you can do so conveniently.

HSA Club Account:  If you’re healthy and don’t use your HSA funds often, you may want to move most of them to your HSA Club Account, so you can earn more in dividends. Contact us and we can help you transfer the funds.

HSA Share Certificate: This account earns the highest rate of dividends. It’s ideal for members who have several thousands of dollars in their HSA accounts and feel safe setting some aside in a Share Certificate. Remember, if you withdraw money invested in a Share Certificate before the maturity date, you’ll have to pay a penalty.

Only authorized signers can be on these accounts, NOT joint owners or beneficiaries.

Frequently Asked Questions

  • 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 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 HSA contribution amounts for this year?

    You can check on contribution limits for Health Savings Accounts here. Contribution limits change each year.

  • 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 can I use the money in my HSA for?

    The money in your HSA can be distributed tax-free up to the amount of the qualified medical expenses that you pay. Qualified medical expenses are amounts you pay for certain types of medical care for yourself, your spouse, and your dependents, but only to the extent such amounts are not covered by insurance or another health plan.

    You have many options. Not only can you pay for your health insurance deductible from your Health Savings Account, but can use it for doctor visits, prescriptions, and over-the-counter drugs, dental care, eyeglasses, chiropractic services, and much more. Complete information on eligible expenses is available at (search for “Publication 502”). You are responsible for determining whether a cost is a qualified medical expense.

  • ​What happens to my HSA after death?

    You may designate one or more beneficiaries to receive the balance of your HSA after your death. If you do not designate a beneficiary, or if none of the beneficiaries you designate are alive on the day after your death, then your HSA will be paid to your surviving spouse. If you have no spouse, then the balance will go to your children, or if you have no children, to your estate.

  • ​What are considered qualified medical expenses in an HSA?

    Your qualified medical expenses are the amounts you pay for certain types of medical care for yourself, your spouse, and your dependents, but only to the extent such amounts are not covered by insurance or otherwise reimbursed. You can pay the medical expenses of your spouse or dependent even if that person is covered by a health plan that is not an HDHP or if that person also has an HSA.

  • ​What is an HDHP?

    This acronym stands for High Deductible Health Plan.

  • Can my HSA funds pay for the medical expenses of my spouse and dependents if they’re not covered?

    Yes. You may always use HSA funds to pay your qualified medical expenses and those of your spouse and dependents.

  • ​Can I use my Acadia HSA debit card with Android Pay, Apple Pay, or Samsung Pay to pay for prescriptions?

    Yes! Acadia HSA debit cards are eligible for Android Pay, Apple Pay, and Samsung Pay mobile payment systems.

Need help? Send us a message.

  • This field is for validation purposes and should be left unchanged.

Acadia always gives wonderful service with professionalism and a smile! Rachel S., member since 2003

Not a member? Open a new Acadia FCU account TODAY!

If you've ever wanted to become a member of Acadia FCU, it's now easier than ever! Open and fund your account online, on your schedule — in FIVE MINUTES or less! The power is in YOUR hands.

Open Account