Bank · FDIC insured
Bar Harbor Savings & Loan CD Rates
Bar Harbor Savings & Loan’s best CD rate is 4.07% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Bar Harbor Savings & Loan’s CD rates compare
Compared with banks and credit unions in Maine, where Bar Harbor Savings & Loan has the most branches. $10,000, best rate first.
This bank’s best
Bar Harbor Savings & Loan
4.07%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $407
CDs
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Bar Harbor Savings & Loan CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.58%
- QualifiedQualified4.07%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bar Harbor Savings & Loan ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CDs
Up to 4.07%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.40% | $169 |
| 9 months | 3.40% | $254 |
| 12 months | 4.07% | $407 |
| 18 months | 2.78% | $420 |
| 24 months | 2.58% | $523 |
| 36 months | 2.58% | $794 |
| 48 months | 2.58% | $1,073 |
| 60 months | 2.01% | $1,046 |
Sources (1)
- bhsla.com/deposit.html · captured Oct 22, 2026
Special-purpose accounts
IRA CDs
Up to 4.07%APY · 8 terms
The Bank offers both traditional IRA and Roth accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.40% | $169 |
| 9 months | 3.40% | $254 |
| 12 months | 4.07% | $407 |
| 18 months | 2.78% | $420 |
| 24 months | 2.58% | $523 |
| 36 months | 2.58% | $794 |
| 48 months | 2.58% | $1,073 |
| 60 months | 2.01% | $1,046 |
Sources (1)
- bhsla.com/deposit.html · captured Oct 22, 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.