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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)
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.

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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

  • When selecting a beneficiary for an account, is it OK to use “See Will” instead of specifying the name of a person/beneficiary?

    We do not recommend that account holders pursue this course of action, as it becomes complicated while also potentially posing a risk to Acadia FCU. Due to the fact that individuals often make multiple updates to their wills throughout their lifetime, it is possible for beneficiaries to be added or removed. Consequently, it can be challenging for a financial institution to determine which will is the most current and valid. Therefore, it is best practice for members to clearly specify their intended beneficiary(ies) in their member account documentation.

    If a member insists on using the “See Will” option, Acadia FCU will require a notarized copy of the will, which will be recorded with a date in the member’s account(s). In the event that the member updates their will and fails to notify us, we will rely on the version of the will that was initially provided.

    As per our membership agreement, should Acadia need to hire legal counsel in order to make the proper determination as to who the beneficiaries and the proper percentage of the disbursements are, Acadia FCU may deduct those legal fees from funds that are on deposit. If you have any concerns regarding this matter, please do not hesitate to contact us.

  • 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.

  • 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!

  • 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.


  • Can Acadia FCU help me monitor my credit score or view my credit report?

    Yes, we sure can! From within your Acadia FCU Digital Banking portal, you can activate “Credit Score,” a free service for our members.  Powered by SavvyMoney, Credit Score will help you stay on top of your credit. It monitors your credit report daily and informs you by email if there are any big changes detected. Learn more by visiting the Credit Score product page on this site. You can also check out this video on your YouTube channel to learn more!

  • 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?

    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.

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

    Yes, teens age 13 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!

  • 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.

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

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