Bank · FDIC insured
Bar Harbor Bank & Trust CD Rates
A $4.7B bank, the 292nd largest of 4,207, headquartered in Bar Harbor, ME, with 62 branches in 3 states.
How Bar Harbor Bank & Trust’s CD rates compare
Compared with banks and credit unions in New Hampshire, where Bar Harbor Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Bar Harbor Bank & Trust
3.75%APY
- Term
- 12 months
- Requires
- Conditions apply
- Minimum
- $1,000
- Earns on $10,000
- $375
Certificate of Deposit (CD)
Top rate
Walden Mutual
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $973
2nd-highest rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificate of Deposit (CD)
Up to 3.75%APY · 4 terms
FDIC insured. Incremental deposits of $250 or greater allowed for terms 1-11 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsAvailable for a limited time to customers with a personal or business checking account with Bar Harbor Bank & Trust. Also available as an IRA CD | 3.00% | $124 |
| 6 monthsAvailable for a limited time to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. Also available as an IRA CD | 3.50% | $173 |
| 9 monthsAvailable for a limited time to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. Also available as an IRA CD | 3.50% | $261 |
| 12 monthsAvailable for a limited time to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. Also available as an IRA CD | 3.75% | $375 |
Sources (1)
- barharbor.bank/commercial/savings/cds-and-iras · captured Sep 24, 2026
IRA CD
Up to 3.75%APY · 4 terms
FDIC insured fixed rate of return retirement savings account available as Traditional IRA, Roth IRA, and SEP IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsAvailable for a limited time to customers with a personal or business checking account with Bar Harbor Bank & Trust. Also available as a CD | 3.00% | $124 |
| 6 monthsAvailable for a limited time to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. Also available as a CD | 3.50% | $173 |
| 9 monthsAvailable for a limited time to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. Also available as a CD | 3.50% | $261 |
| 12 monthsAvailable for a limited time to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. Also available as a CD | 3.75% | $375 |
Sources (1)
- barharbor.bank/commercial/savings/cds-and-iras · captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.