Bar Harbor Bank & Trust CD Rates — October 2026
As of October 22, 2026, Bar Harbor Bank & Trust's highest tracked CD rate is 3.75% APY on a 12-month promotional CD ($1,000 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Bar Harbor Bank & Trust CD rates
CD specials from 5 to 12 months; most require a Bar Harbor checking account, and some a Relationship Rewards or Platinum Checking account. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 5 months | 5-month CD special Promotional | $500 | 3.00% | −1.39% | Verified October 22, 2026 |
| 6 months | 6-month CD special Promotional | $1,000 | 3.50% | −0.90% | Top 47% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9-month CD special Promotional | $1,000 | 3.50% | −0.98% | Top 58% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 12-month CD special Promotional | $1,000 | 3.75% | −0.82% | Top 43% of tracked 12-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Bar Harbor Bank & Trust's best CD rates by term?
Bar Harbor Bank & Trust's best rate is 3.75% APY on 12 months, verified October 22, 2026.
- 5 mo3.00%
- 6 mo3.50%
- 9 mo3.50%
- 12 mo3.75%
How much interest could a Bar Harbor Bank & Trust 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.
$375.00 interest · $10,375.00 at maturity on $10,000.00.
3.75% APY · 12 months · 12-month CD special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 5 months | $61.933.00% APY · 5-month CD special · Promotional | $123.853.00% APY · 5-month CD special · Promotional | $309.643.00% APY · 5-month CD special · Promotional | $619.273.00% APY · 5-month CD special · Promotional |
| 6 months | $86.993.50% APY · 6-month CD special · Promotional | $173.973.50% APY · 6-month CD special · Promotional | $434.943.50% APY · 6-month CD special · Promotional | $869.873.50% APY · 6-month CD special · Promotional |
| 9 months | $130.803.50% APY · 9-month CD special · Promotional | $261.613.50% APY · 9-month CD special · Promotional | $654.023.50% APY · 9-month CD special · Promotional | $1,308.053.50% APY · 9-month CD special · Promotional |
| 12 months | $187.503.75% APY · 12-month CD special · Promotional | $375.003.75% APY · 12-month CD special · Promotional | $937.503.75% APY · 12-month CD special · Promotional | $1,875.003.75% APY · 12-month CD special · Promotional |
How Bar Harbor Bank & Trust compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 171 of 413 tracked institutions with fresh 365-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 |
|---|---|---|---|---|---|
| Bar Harbor Bank & Trust (this institution)12-month CD special · Promotional | 12 months | $1,000 | Branches in ME, NH, VT | 3.75% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Northeast Bank (Maine)Propel Relationship CD · Relationship | 12 months | $5,000 | Branches in ME | 4.55% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bar Harbor Bank & Trust on October 22, 2026.
About Bar Harbor Bank & Trust
- Legal name
- Bar Harbor Bank & Trust
- Regulator ID
- FDIC 11971
- Headquarters
- Bar Harbor, ME
- Available in
- ME, NH, VT
- Total assets
- $4.7 billion
- Also known as
- Website
- www.barharbor.bank
Source: rates read from https://www.barharbor.bank/personal/savings/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bar Harbor Bank & Trust?
Among the rates we track, 3.75% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Bar Harbor Bank & Trust CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $1,000.
How does Bar Harbor Bank & Trust's best CD rate compare with Treasury yields?
3.75% APY is −0.82% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.75% a good CD rate?
It is 2.1 times the FDIC national average for a similar term (1.76% 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 Bar Harbor Bank & Trust CDs insured?
Bar Harbor Bank & Trust is an FDIC-insured bank (FDIC 11971). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bar Harbor Bank & Trust's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Bar Harbor Bank & Trust's website and may change at any time. Confirm terms, minimums and eligibility with Bar Harbor Bank & Trust before opening an account. This page is not financial advice.