Some banks charge fees just for setting up a business savings account. Not Acadia. We get you started for free, and keep you going at the same unbeatable rate. You'll enjoy unlimited transactions with no monthly fees, and dividends that add up to real money.
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Prime Savings | 0.15% | 0.15% |
| Custom Savings | 0.15% | 0.15% |
| Monty Moose | 0.15% | 0.15% |
| Christmas Club | 0.15% | 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.
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.
The minimum age for a sole primary savings account holder is 18.
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 short answer is YES. Here are few important things to know about how Maine credit unions are protected:
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.
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.
Yes, you can download or view a copy of our Business Services brochure.
You certainly can open savings accounts online! You can apply right here and indicate what type of account you want to open.
You can find all of Acadia’s important disclosures and various account applications right here.
You only need to deposit $25.
Any legal business entity can open a Business Star account, including sole proprietorships, LLCs, LLPs, C Corps, S Corps, partnerships, non-profits, and more.
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)
There have been many reports of credit union impersonation through text messaging in Maine, claiming to be from the credit union’s fraud monitoring department. They direct members to click a link or call a number, where scammers collect sensitive information and use it to steal from you. Please protect yourself by hanging up and calling back at a verified number, never click on links in text messages, and never give out verification codes or online banking information.
