IRA Rates

Minimum Deposit to Open Account Min. Balance
To Obtain Annual Percentage Yield
Standard Rates Relationship Rates**
Interest Rate Annual Percentage Yield Interest Rate Annual Percentage Yield
25.00 25.00 to 4,999.99 .02% .02% .05% .05%
5,000.00 and over .04% .04% .10% .10%

Please note: Many of our CDs are available as IRAs. Click Here for CD Rates Please contact SIS for more information.

*This is a variable rate account, the rate may change after the account is opened.

**Ask us about our relationship rates available with Silver Lining, Veterans and Golden Rewards bundles.

Please ask us for an account disclosure for more details and a schedule of fees on any of these accounts.

  • To obtain our current interest rates you may call 207-324-2285 or 888-BANK-SIS = 888-226-5747

PROBLEM RESOLUTION: If you have a complaint or concern with us regarding your deposit account, please call customer service at one of our locations and attempt to resolve the problem directly with us. If you feel we failed to resolve the problem, write a letter detailing the problem and resolution that are seeking to: Bureau of Financial Institutions, 36 State House Station, Augusta, ME 04333-0036. To file a complaint electronically, you may contact the Bureau of Financial Institutions at the following address: http://www.state.me.us/pfr/financialinstitutions/complaint.htm . The Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.

Certificate of Deposit

Click here for more information on our CDs.

Minimum Deposit to Open Account Min. Balance*
To Obtain Annual Percentage Yield
Standard Rates Relationship Rates***
Interest Rate Annual Percentage Yield Interest Rate Annual Percentage Yield
500 500 .15% .15% -
500 500 .20% .20% -
500 500 .25% .25% .45% .45%
500 500 .30% .30% -
500 500 .32% .32% 1.00% 1.00%
500 500 .40% .40% .55% .55%
500 500 .50% .50% .60% .60%
500 500 .55% .55% -
500 500 .75% .75% .85% .85%
500 500 1.01% 1.01% 1.11% 1.12%
500 500 1.70% 1.71% 1.85% 1.87%

Please note: Many of these CDs are available as IRAs. Please contact SIS here for more information.

*A penalty may be imposed for early withdrawal

**7 Month No-Penalty CD allows for penalty free withdrawals during the term of CD. Not available as IRA’s.

***Ask us about our relationship rates available with Silver Lining, Veterans and Golden Rewards bundles.

  • The balance is the daily balance which is the amount of principal in the account each day.
  • Fees could reduce earnings on the account. Please ask us for an account disclosure for more details and a schedule of fees on any of these accounts.
  • All CDs are available as IRA's, with the exception of the 7 Month No Penalty CD.
  • To obtain our current interest rates you may call 207-324-2285 or 888-BANK-SIS = 888-226-5747

PROBLEM RESOLUTION: If you have a complaint or concern with us regarding your deposit account, please call customer service at one of our locations and attempt to resolve the problem directly with us. If you feel we failed to resolve the problem, write a letter detailing the problem and resolution that are seeking to: Bureau of Financial Institutions, 36 State House Station, Augusta, ME 04333-0036. To file a complaint electronically, you may contact the Bureau of Financial Institutions at the following address: http://www.state.me.us/pfr/financialinstitutions/complaint.htm . The Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.

Deposit Rates

These Green ECO friendly accounts can be opened online only :

Minimum Deposit to Open Account Min. Balance
To Obtain Annual Percentage Yield
Interest Rate Annual Percentage Yield
1.00 0.00 to 2,499.99 .00% .00%*
2,500.00 and over .05% .05%*
25.00 0.00 to 249.99 .00% .00%*
250.00 to 999.99 .02% .02%*
1,000.00 to 2,499.99 .03% .03%*
2,500.00 and over .05% .05%*
 

The following rate chart are accounts available in our branches:

Minimum Deposit to Open Account Min. Balance
To Obtain Annual Percentage Yield
Standard Rates Relationship Rates**
Interest Rate Annual Percentage Yield Interest Rate Annual Percentage Yield
1.00 0.00 to 2,499.99 .00% .00% -
2,500 and over .02% .02%
10.00 100.00 .02% .02% -
25.00 0 to 249.99 .00% .00% .50% .50%
250.00 to 999.99 .02% .02% .50% .50%
1,000.00 to 2,499.99 .03% .03% .50% .50%
2,500 and over .05% .05% .50% .50%
10.00 10.00 and over .02% .02% -
2,500.00 500.00 to 2,499.99 .01% .01% .01% .01%
2,500.00 to 9,999.99 .02% .02% .02% .02%
10,000.00 to 24,999.99 .03% .03% .03% .03%
25,000.00 and over .05% .05% .30% .30%
25.00 25.00 to 2,499.99 .01% .01% -
2,500.00 to 4,999.99 .02% .02%
5,000.00 to 9,999.99 .03% .03%
10,000.00 and over .04% .04%
25.00 0.00 to 499.99 .00% .00% -
500.00 to 2,499.00 .01% .01%
2,500.00 to 24,999.99 .02% .02%
25,000.00 to 99,999.99 .025% .025%
100,000.00 to 249,999.99 .04% .04%
250,000.00 and over .05% .05%
10.00 100.00 and over .02% .02%
500.00 0.00 to 499.99 .00% .00%
500.00 to 2,499.99 .01% .01%
2,500.00 to 9,999.99 .02% .02%
10,000.00 and over .03% .03%

*This is a variable rate account, the rate may change after the account is opened. Rate may change at anytime without notice.

**Ask us about our relationship rates available with Silver Lining, Veterans and Golden Rewards bundles.

  • Except as otherwise noted, the balance is the daily balance which is the amount of principal in the account each day.
  • Fees could reduce earnings on the account. Please ask us for an account disclosure for more details and a schedule of fees on any of these accounts.
  • Christmas Club Accounts mature yearly on October 18th.
  • All Purpose Club Accounts mature yearly on April 6th.
  • To obtain our current interest rates you may call 207-324-2285 or 888-BANK-SIS = 888-226-5747

PROBLEM RESOLUTION: If you have a complaint or concern with us regarding your deposit account, please call customer service at one of our locations and attempt to resolve the problem directly with us. If you feel we failed to resolve the problem, write a letter detailing the problem and resolution that are seeking to: Bureau of Financial Institutions, 36 State House Station, Augusta, ME 04333-0036. To file a complaint electronically, you may contact the Bureau of Financial Institutions at the following address: http://www.state.me.us/pfr/financialinstitutions/complaint.htm . The Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.

Loan Rates

For mortgage loan rates, visit the Mortgage Web Center.

Please Note: SIS advises that you do not bookmark our rate pages. Rates can change frequently and your bookmark may not be up to date.