Bank · FDIC insured
Bath Savings CD Rates
Bath Savings’s best CD rate is 3.14% APY on a 5-year CD. Terms run from 3 months to 69 months. Rates checked October 22, 2026.
How Bath Savings’s CD rates compare
Compared with banks and credit unions near Portland, ME, where Bath Savings has the most branches. $10,000, best rate first.
This bank’s best
Bath Savings
3.14%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,672
Laddered CD
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
Bath Savings CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo2.63%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo3.14%
- QualifiedQualified3.14%
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 Bath Savings 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.
Laddered CD
Up to 3.14%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.78% | $278 |
| 24 months | 2.78% | $564 |
| 36 months | 2.78% | $857 |
| 48 months | 2.84% | $1,185 |
| 60 months | 3.14% | $1,672 |
Sources (2)
All captured Oct 22, 2026
Standard CD
Up to 3.09%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.32% | $58 |
| 6 months | 2.63% | $131 |
| 12 months | 2.68% | $268 |
| 18 months | 2.63% | $397 |
| 24 months | 2.68% | $543 |
| 36 months | 2.68% | $826 |
| 42 months | 2.68% | $970 |
| 48 months | 2.68% | $1,116 |
| 60 months | 2.99% | $1,587 |
| 66 months | 3.04% | $1,790 |
| 69 months | 3.09% | $1,912 |
Sources (1)
- bathsavings.bank/rates · captured Oct 22, 2026
Opportunity CD
Up to 2.73%APY · 4 terms
May convert to a higher interest rate one time during the CD term by notifying the bank in writing.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 2.63% | $330 |
| 18 months | 2.63% | $397 |
| 30 months | 2.68% | $684 |
| 54 months | 2.73% | $1,289 |
Sources (2)
All captured Oct 22, 2026
Sneakers CD
2.68%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 2.68% | $268 |
Sources (1)
- bathsavings.bank/rates · captured Oct 22, 2026
5 Month Savers CD
2.63%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 2.63% | $109 |
Sources (1)
- bathsavings.bank/rates · captured Oct 22, 2026
The 9 Month No-Penalty CD
2.58%APY · 1 term
Penalty of 7 days interest if closed prior to 7 days. After first 7 days, 2 partial withdrawals permitted without penalty and without closing account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 2.58% | $193 |
Sources (2)
All captured Oct 22, 2026
4 Month CD
2.32%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 2.32% | $77 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Laddered IRA CD
Up to 3.14%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.78% | $278 |
| 24 months | 2.78% | $564 |
| 36 months | 2.78% | $857 |
| 48 months | 2.84% | $1,185 |
| 60 months | 3.14% | $1,672 |
Sources (1)
- bathsavings.bank/rates · captured Oct 22, 2026
Standard IRA CD
Up to 2.99%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.32% | $58 |
| 6 months | 2.63% | $131 |
| 12 months | 2.68% | $268 |
| 18 months | 2.63% | $397 |
| 24 months | 2.68% | $543 |
| 36 months | 2.68% | $826 |
| 42 months | 2.68% | $970 |
| 48 months | 2.68% | $1,116 |
| 60 months | 2.99% | $1,587 |
Sources (1)
- bathsavings.bank/rates · captured Oct 22, 2026
Opportunity IRA CD
Up to 2.73%APY · 3 terms
May convert to a higher interest rate one time during the term by notifying the bank in writing.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 2.63% | $330 |
| 30 months | 2.68% | $684 |
| 54 months | 2.73% | $1,289 |
Sources (2)
All captured Oct 22, 2026
1 Year Variable Rate IRA
2.32%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.32% | $232 |
Sources (1)
- bathsavings.bank/rates · 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.