Online Bill Pay
Got enough to keep track of without worrying about due dates for monthly bills? Get free Online Bill Pay.
Mainely Preferred Business Savings
Earn more with it as your balance grows in this tiered interest account. Saco & Biddeford Savings offers a tiered account for every need, from small business to large enterprises.
- Tiered interest rates
- ATM/Debit access with a Checking Account as the primary account
- Free direct deposit and automatic withdrawals
- Free Business Online Banking
- Free Mobile Banking and Mobile Check Deposit
- Free eStatements
- Free Telebanker
- No maintenance fee
- $0 - $24,999.99
- $25,000 - $49,999.99
- $50,000 - $99,999.99
- $100,000 - $249,999.99
- $250,000 - $499,999.99
- $500,000 - $749,999.99
- $750,000 +
1No charge by Bank. Additional vendor charges apply.
HSA Accounts
Growing your business takes hard work and a dedicated team, and we understand the need to balance rising health care costs. Our Health Savings Account is an affordable approach to health care for many employers and their employees.
- Multiple tax benefits
- Covers a wide range of qualified medical expenses
- Reduces out-of-pocket high-deductible health plan costs
- Earns interest with zero tax burden
- Flexibility to pay current medical expenses or save for future needs
- Tax-deductible contributions, FDIC-insured
- Tax-deferred earnings
- Tax-free distributions, if qualified
- Lifetime account with no spending deadlines
- Great recruitment and retention tool
- No maintenance fee
NOTE: We strongly recommend seeking the counsel of an attorney and/or other qualified tax advisor on the specific legal and tax consequences of any health savings plan for your particular needs.
Certificates of Deposit (CDs)
Start growing your money today with a CD! We offer many options with your pick of rates and terms.
- Free Online Banking
- Free Mobile Banking
- Free eStatements
- Free Telebanker
- Competitive rates and terms
- Available as an IRA invested in CDs
- $500 minimum deposit to open
As of October 1, 2025
| Term | Interest Rate | APY* |
|---|---|---|
| 5 Month CD | 3.69% | 3.75% |
| 6 Month CD | 3.45% | 3.51% |
| 12 Month CD | 3.20% | 3.25% |
| 18 Month CD | 3.20% | 3.25% |
| 24 Month CD | 3.20% | 3.25% |
| 30 Month CD Bump Up Option** | 3.45% | 3.51% |
| 36 Month CD | 2.96% | 3.00% |
| 42 Month CD | 2.96% | 3.00% |
| 48 Month CD | 2.96% | 3.00% |
| 60 Month CD | 3.45% | 3.51% |
| 84 Month CD | 2.96% | 3.00% |
Interest rates are subject to change without notice. Substantial penalty for early withdrawal. $500 minimum balance to open the account. Fees may reduce earnings.
*Annual Percentage Yield.
**If we offer a higher interest rate on a 30 Month CD during the term of your CD, you have a one-time option to increase your rate to match the newest rate without a penalty!
*Annual Percentage Yield.
**If we offer a higher interest rate on a 30 Month CD during the term of your CD, you have a one-time option to increase your rate to match the newest rate without a penalty!
IntraFi
If you're looking for a way to keep large deposits safe, IntraFi allocates your investment across multiple financial institutions to ensure full FDIC coverage2. Conveniently secure funds in your choice of Demand Deposit Accounts, Money Market Deposit Accounts or CDs.
IntraFi is a registered service mark of IntraFi Network, LLC.
2Funds may be submitted for placement only after a depositor enters into the CDARS® Deposit Placement Agreement with Saco & Biddeford Savings. The agreement contains important information and conditions regarding the placement of funds by us.
Calculators
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Business Checking
Low minimums. Free Mobile Banking. Special features for non-profits. Enjoy perks like these and more.
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