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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 Saver0.40%0.40%
Health Savings Account (HSA)0.15%0.15%
HSA Super Saver0.40%0.40%

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

†When qualification requirements are met

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

More Info

You need $25 to open a savings account, which will show up as part of your total balance. This $25 represents your share of ownership in Acadia FCU and must remain on deposit in order to maintain membership. With a Prime Savings Account, you’re more than just a member—you’re part owner!

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 penalties for early withdrawals on my Acadia Share Certificate (CD)?

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 For account terms 12 months or less, the penalty is equal to six months’ (180 days) dividends on the amount withdrawn whether earned or not. For account terms greater than 12 months, the penalty is equal to nine months’ (270 days) dividends on the amount withdrawn whether earned or not.

  • Can teenagers open checking accounts and get their own debit cards?

    Yes, teens age 14 and older can open checking accounts and get a debit card, as long as there is a parent or guardian also on the account. The responsible adult will need to fill out a minor addendum stating that they are responsible for losses incurred on the minor’s savings and checking accounts. We love to see our younger members learning how to be responsible and are happy to help them, anytime!

  • How can I update my account contact information on file?

    We highly recommend you keep your account information up-to-date. You may do this in a variety of ways. Call us at 1-855-692-22345; use our Secure Message Center within digital banking; click Live Support in the bottom right corner of this page; OR, or you may do it yourself. In order to make these account changes yourself, visit this page with step-by-step instructions. It’s quite easy!

  • What is a custom savings account?

    Acadia offers you the opportunity to create a custom savings account under your Prime Savings account.  More information can be found here.

  • 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 a Prime Savings account?

    You only need to deposit $25. This makes you a member and part owner of Acadia Federal Credit Union. This deposit opens the gateway to all of Acadia’s products and services!

  • ​What is the interest rate?

    For a Prime Savings account, the rate is 0.25% and the yield is 0.25%.

Need help? Send us a message.

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The trust that our members put in us to handle one of the most personal and important parts of their lives—their finances is nothing to take lightly. at the end of the day, I want my members to feel that they are in good hands when they Acadia. Sheila Ouellette, Training Manager & Life Enthusiast