Skip to content

Certificates, Money Markets, IRAs

We understand that when it comes to investing for the future, you want to make the most of your money. Whether you are looking for short- or long-term options, we make growing your savings easy!

Savings options, retirement, IRA, Certificates

Find the savings account that works for you

Peak Money Market - do more with your savings

Peak Money Market Account

Achieve the highest of dividends while retaining easy access to your money with our Peak Money Market Account!

  • Four (4) tier high yield dividend rate structure
  • Check writing to ATM withdrawals, enjoy full access to your money!
  • Snapshot balances via Midcoast’s Digital Banking
Health Savings account - save for unexpected medical

Health Savings Account

Prepare for unforeseen health-related expenses and earn interest while you save to meet your health insurance deductible!

  • Interest bearing account
  • Possible tax free savings
  • No minimum deposit or balance
Coverdell ESA- education loan grad

Coverdell ESA

Whether you have current education expenses or anticipated future ones, our Coverdell Education Savings Account (ESA) can help you achieve your savings goal!

  • Save for private or higher education
  • No minimum balance to open
  • Transferrable to other family members
Fisherman - catch the big return. Do more with your savings - share certificates

Share Certificates

“Reel in a great rate!” Add diversity to your financial portfolio with a share certificate. We offer competitive rates and terms to satisfy short or long-term savings goals.

  • $500.00 Minimum Deposit
  • Terms from 6 to 60 months
  • Guaranteed dividend rate
  • Dividends compounded and paid monthly
sr. couple- retirement savings

Traditional & Roth Individual Retirement Accounts

Individual Retirement Accounts provide tax advantages for long-term retirement savings.

  • No minimum deposit, no maintenance fee
  • Set up automatic deposit transfers
  • Dividends compounded and paid monthly
seniors-beach-travel retirement savings

Traditional & Roth IRA Certificates

IRA share certificates combine the tax advantages of long-term retirement saving, with the security of a share certificate.

  • $500 minimum deposit, no maintenance fee
  • Terms from 6 to 60 months
  • Dividends compounded and paid monthly
News Library button

Visit our News Library to view our latest Promotional Offers!  

Save for your retirement confidently, with Midcoast

Build your retirement savings with higher earning deposit accounts, convenient automatic deposits, and terms that can accommodate your budget and needs.

Traditional vs. Roth IRA?

Which is better for me? Try our calculator and find out!

IRA value prediction?

How much will my Traditional IRA be worth at retirement? Try our calculator and find out!

Roth value prediction?

How much will my Roth IRA be worth at retirement? Try our calculator and find out!

Retirement value prediction?

How long will my retirement savings last? Try our calculator and find out!

Do your banking from anywhere. Digital banking

With Midcoast, you’re always connected

Interact with us and manage your accounts in all the ways that work best for you. Our digital banking platform has the same look, feel, and functionality across all of your devices: computer, tablet, and mobile device.

Related Products