Bangor Savings Bank CD Rates — October 2026
As of October 23, 2026, Bangor Savings Bank's highest tracked CD rate is 4.00% APY on a 39-month relationship CD ($500 minimum). That is 2.9 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 0.45% to 2.28% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.75% on 39 months
Bangor Savings Bank CD rates
Standard and special CDs require $500. Benefit Plus quotes require the qualifying banking relationship; confirm eligibility with the bank. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Benefit Plus® Certificate of Deposit Relationship | $500 | 2.53%Free rate alert | −1.73% | Top 56% of tracked 3-month CDs · Verified October 23, 2026 |
| 3 months | Certificate of Deposit | $500 | 2.28%Free rate alert | −1.98% | Top 62% of tracked 3-month CDs · Verified October 23, 2026 |
| 6 months | Benefit Plus® Certificate of Deposit Relationship | $500 | 0.70%Free rate alert | −3.64% | Top 92% of tracked 6-month CDs · Verified October 23, 2026 |
| 6 months | Certificate of Deposit | $500 | 0.45%Free rate alert | −3.89% | Top 93% of tracked 6-month CDs · Verified October 23, 2026 |
| 9 months | Benefit Plus® Special Certificate of Deposit Relationship | $500 | 3.50%Free rate alert | −0.90% | Top 59% of tracked 9-month CDs · Verified October 23, 2026 |
| 9 months | Special Certificate of Deposit Promotional | $500 | 3.25%Free rate alert | −1.15% | Top 73% of tracked 9-month CDs · Verified October 23, 2026 |
| 12 months | Benefit Plus® Certificate of Deposit Relationship | $500 | 0.85%Free rate alert | −3.61% | Top 93% of tracked 12-month CDs · Verified October 23, 2026 |
| 12 months | Certificate of Deposit | $500 | 0.60%Free rate alert | −3.86% | Top 93% of tracked 12-month CDs · Verified October 23, 2026 |
| 15 months | Benefit Plus® Special Certificate of Deposit Relationship | $500 | 3.75%Free rate alert | −0.77% | Verified October 23, 2026 |
| 15 months | Special Certificate of Deposit Promotional | $500 | 3.50%Free rate alert | −1.02% | Verified October 23, 2026 |
| 18 months | Benefit Plus® Certificate of Deposit Relationship | $500 | 0.95%Free rate alert | −3.63% | Top 93% of tracked 18-month CDs · Verified October 23, 2026 |
| 18 months | Certificate of Deposit | $500 | 0.70%Free rate alert | −3.88% | Top 93% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | Benefit Plus® Certificate of Deposit Relationship | $500 | 1.01%Free rate alert | −3.69% | Top 90% of tracked 24-month CDs · Verified October 23, 2026 |
| 24 months | Certificate of Deposit | $500 | 0.75%Free rate alert | −3.95% | Top 93% of tracked 24-month CDs · Verified October 23, 2026 |
| 30 months | Benefit Plus® Certificate of Deposit Relationship | $500 | 1.01%Free rate alert | −3.73% | Verified October 23, 2026 |
| 30 months | Certificate of Deposit | $500 | 0.75%Free rate alert | −3.99% | Verified October 23, 2026 |
| 36 months | Benefit Plus® Certificate of Deposit Relationship | $500 | 1.01%Free rate alert | −3.77% | Top 88% of tracked 36-month CDs · Verified October 23, 2026 |
| 36 months | Certificate of Deposit | $500 | 0.75%Free rate alert | −4.03% | Top 91% of tracked 36-month CDs · Verified October 23, 2026 |
| 39 months | Benefit Plus® Special Certificate of Deposit Relationship | $500 | 4.00%Free rate alert | −0.78% | Verified October 23, 2026 |
| 39 months | Special Certificate of Deposit Promotional | $500 | 3.75%Free rate alert | −1.03% | Verified October 23, 2026 |
| 48 months | Benefit Plus® Certificate of Deposit Relationship | $500 | 1.01%Free rate alert | −3.80% | Top 88% of tracked 48-month CDs · Verified October 23, 2026 |
| 48 months | Certificate of Deposit | $500 | 0.75%Free rate alert | −4.06% | Top 91% of tracked 48-month CDs · Verified October 23, 2026 |
| 54 months | Benefit Plus® Special Certificate of Deposit Relationship | $500 | 4.00%Free rate alert | −0.82% | Verified October 23, 2026 |
| 54 months | Special Certificate of Deposit Promotional | $500 | 3.75%Free rate alert | −1.07% | Verified October 23, 2026 |
| 60 months | Benefit Plus® Certificate of Deposit Relationship | $500 | 1.01%Free rate alert | −3.83% | Top 89% of tracked 60-month CDs · Verified October 23, 2026 |
| 60 months | Certificate of Deposit | $500 | 0.75%Free rate alert | −4.09% | Top 92% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.75% APY (39 months). The standard rate for a similar term is 0.75% APY (36 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $300 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Bangor Savings Bank's best CD rates by term?
Bangor Savings Bank's best rate is 4.00% APY on 39 months, verified October 23, 2026.
- 3 mo2.53%
- 6 mo0.70%
- 9 mo3.50%
- 12 mo0.85%
- 15 mo3.75%
- 18 mo0.95%
- 24 mo1.01%
- 30 mo1.01%
- 36 mo1.01%
- 39 mo4.00%
- 48 mo1.01%
- 54 mo4.00%
- 60 mo1.01%
How much interest could a Bangor Savings Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,359.17 interest · $11,359.17 at maturity on $10,000.00.
4.00% APY · 39 months · Benefit Plus® Special Certificate of Deposit · Relationship · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $31.242.53% APY · Benefit Plus® Certificate of Deposit · Relationship | $62.492.53% APY · Benefit Plus® Certificate of Deposit · Relationship | $156.222.53% APY · Benefit Plus® Certificate of Deposit · Relationship | $312.432.53% APY · Benefit Plus® Certificate of Deposit · Relationship |
| 6 months | $17.520.70% APY · Benefit Plus® Certificate of Deposit · Relationship | $35.030.70% APY · Benefit Plus® Certificate of Deposit · Relationship | $87.590.70% APY · Benefit Plus® Certificate of Deposit · Relationship | $175.170.70% APY · Benefit Plus® Certificate of Deposit · Relationship |
| 9 months | $130.803.50% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $261.613.50% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $654.023.50% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $1,308.053.50% APY · Benefit Plus® Special Certificate of Deposit · Relationship |
| 12 months | $42.500.85% APY · Benefit Plus® Certificate of Deposit · Relationship | $85.000.85% APY · Benefit Plus® Certificate of Deposit · Relationship | $212.500.85% APY · Benefit Plus® Certificate of Deposit · Relationship | $425.000.85% APY · Benefit Plus® Certificate of Deposit · Relationship |
| 15 months | $235.333.75% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $470.663.75% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $1,176.663.75% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $2,353.313.75% APY · Benefit Plus® Special Certificate of Deposit · Relationship |
| 18 months | $71.480.95% APY · Benefit Plus® Certificate of Deposit · Relationship | $142.970.95% APY · Benefit Plus® Certificate of Deposit · Relationship | $357.420.95% APY · Benefit Plus® Certificate of Deposit · Relationship | $714.850.95% APY · Benefit Plus® Certificate of Deposit · Relationship |
| 24 months | $101.511.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $203.021.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $507.551.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $1,015.101.01% APY · Benefit Plus® Certificate of Deposit · Relationship |
| 30 months | $127.281.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $254.561.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $636.391.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $1,272.791.01% APY · Benefit Plus® Certificate of Deposit · Relationship |
| 36 months | $153.041.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $306.071.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $765.181.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $1,530.351.01% APY · Benefit Plus® Certificate of Deposit · Relationship |
| 39 months | $679.594.00% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $1,359.174.00% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $3,397.934.00% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $6,795.864.00% APY · Benefit Plus® Special Certificate of Deposit · Relationship |
| 48 months | $205.081.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $410.161.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $1,025.401.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $2,050.811.01% APY · Benefit Plus® Certificate of Deposit · Relationship |
| 54 months | $965.454.00% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $1,930.904.00% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $4,827.264.00% APY · Benefit Plus® Special Certificate of Deposit · Relationship | $9,654.524.00% APY · Benefit Plus® Special Certificate of Deposit · Relationship |
| 60 months | $257.651.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $515.301.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $1,288.261.01% APY · Benefit Plus® Certificate of Deposit · Relationship | $2,576.521.01% APY · Benefit Plus® Certificate of Deposit · Relationship |
How Bangor Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1186-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 4 tracked institutions with fresh 1186-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Bangor Savings Bank (this institution) (highest tracked APY for this term)Benefit Plus® Special Certificate of Deposit · Relationship | 39 months | $500 | Branches in ME, NH | 4.00% | October 23, 2026 |
| Treasury (APY-equivalent) | 39 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.78% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bangor Savings Bank on October 23, 2026.
About Bangor Savings Bank
- Legal name
- Bangor Savings Bank
- Regulator ID
- FDIC 18408
- Headquarters
- Bangor, ME
- Available in
- ME, NH
- Total assets
- $7.7 billion
- Also known as
- Website
- www.bangor.com
Source: rates read from https://www.bangor.com/personal-banking/savings-money-market/certificate-of-deposit/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bangor Savings Bank?
Among the rates we track, 4.00% APY on a 39-month relationship CD, as of October 23, 2026.
What is the minimum deposit for a Bangor Savings Bank CD?
The lowest minimum we found is $500.
How does Bangor Savings Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.78% versus the 39-month Treasury yield of 4.78% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Bangor Savings Bank CDs insured?
Bangor Savings Bank is an FDIC-insured bank (FDIC 18408). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bangor Savings Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Bangor Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Bangor Savings Bank before opening an account. This page is not financial advice.