Bank · FDIC insured
Katahdin Trust Company CD Rates
Katahdin Trust Company’s best CD rate is 4.23% APY on a 19-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Katahdin Trust Company’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where Katahdin Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Katahdin Trust Company
4.23%APY
- Term
- 19 months
- Minimum
- $2,500
- Earns on $10,000
- $678
19 Month CD Special
Top rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
The County Federal Credit Union
4.49%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $564
Katahdin Trust Company CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo1.36%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo4.23%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.23%
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 Katahdin Trust Company 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.
19 Month CD Special
4.23%APY · 1 term
CD Specials require a $2,500 minimum opening deposit and a $2,500 minimum daily balance to obtain the stated APY. Substantial penalty for early withdrawal. Withdrawals will reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 monthsRequires a $2,500 minimum opening deposit and a $2,500 minimum daily balance to obtain stated APY | 4.23% | $678 |
Sources (3)
- katahdintrust.com/Rates
- katahdintrust.com/cd-specials
- katahdintrust.com/wp-content/u…s-of-October-20-2026.pdf
All captured Oct 22, 2026
10 Month CD Special
3.82%APY · 1 term
CD Specials require a $2,500 minimum opening deposit and a $2,500 minimum daily balance to obtain the stated APY. Substantial penalty for early withdrawal. Withdrawals will reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsRequires a $2,500 minimum opening deposit and a $2,500 minimum daily balance to obtain stated APY | 3.82% | $317 |
Sources (3)
- katahdintrust.com/Rates
- katahdintrust.com/cd-specials
- katahdintrust.com/wp-content/u…s-of-October-20-2026.pdf
All captured Oct 22, 2026
Certificate of Deposit
Up to 2.50%APY · 8 terms
A $500 minimum opening deposit is required to obtain the stated APY. Substantial penalty for early withdrawal. Lock in interest rate for 1 month up to 5 years. Additional deposits not permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown | 0.25% | $0 |
| 3–Unknown months | 1.06% | $26 |
| 6–Unknown months | 1.36% | $68 |
| 12–Unknown months | 1.50% | $150 |
| 24–Unknown months | 2.00% | $404 |
| 36–Unknown months | 2.10% | $643 |
| 48–Unknown months | 2.20% | $909 |
| 60–Unknown months | 2.50% | $1,314 |
Sources (4)
- katahdintrust.com/Rates
- katahdintrust.com/cd-specials
- katahdintrust.com/cds-iras
- katahdintrust.com/wp-content/u…/Rate-Sheet-08.31.26.pdf
All captured Sep 19, 2026
Easy Access CD
1.36%APY · 1 term
6 month term. Unlimited deposits of $500 or more. One withdrawal of principal, without penalty, during the 6 month term. Not available for IRA or SEP accounts. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.36% | $68 |
Sources (4)
- katahdintrust.com/Rates
- katahdintrust.com/cd-specials
- katahdintrust.com/cds-iras
- katahdintrust.com/wp-content/u…s-of-October-20-2026.pdf
All captured Oct 22, 2026
Special-purpose accounts
IRA CD
Up to 2.50%APY · 8 terms
A $500 minimum opening deposit is required to obtain the stated APY. IRA CD Interest Rates and APYs apply only to personal accounts. Substantial penalty for early withdrawal. Choose fixed and/or variable rate CD. Automatic renewal. Traditional and Roth wrappers supported.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown | 0.25% | $0 |
| 3–Unknown months | 1.06% | $26 |
| 6–Unknown months | 1.36% | $68 |
| 12–Unknown months | 1.50% | $150 |
| 24–Unknown months | 2.00% | $404 |
| 36–Unknown months | 2.10% | $643 |
| 48–Unknown months | 2.20% | $909 |
| 60–Unknown months | 2.50% | $1,314 |
Sources (3)
- katahdintrust.com/Rates
- katahdintrust.com/cds-iras
- katahdintrust.com/wp-content/u…/Rate-Sheet-08.31.26.pdf
All captured Sep 19, 2026
18 Month Variable Rate IRA/SEP
1.60%APY · 1 term
Variable interest rate. Requires a $10 minimum opening deposit. 18-month term. Unlimited deposits in any amount, at any time. Automatic renewal. Make withdrawals of interest credited at any time prior to maturity. Ten calendar days after maturity date to withdraw funds without penalty. Substantial penalty for early withdrawal. Applies only to personal accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable interest rate; rate may change at any time | 1.60% | $241 |
Sources (3)
- katahdintrust.com/Rates
- katahdintrust.com/cds-iras
- katahdintrust.com/wp-content/u…s-of-October-20-2026.pdf
All 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.