# Bar Harbor Bank & Trust CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/bar-harbor-bank-and-trust
Institution: Bar Harbor Bank & Trust (FDIC 11971)
Aliases: 
Status: live
Last verified: 2026-10-23T03:01:25.000Z (October 22, 2026)
Official source: https://www.barharbor.bank/personal/savings/cds
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 5-month CD special | promotional | 5 months | $500 | 3.00% | Not ZIP-priced | −1.39% | 2026-10-23T03:01:25.000Z | [Snapshot 906](https://apyledger.com/snapshots/906) |
| 6-month CD special | promotional | 6 months | $1,000 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T03:01:25.000Z | [Snapshot 906](https://apyledger.com/snapshots/906) |
| 9-month CD special | promotional | 9 months | $1,000 | 3.50% | Not ZIP-priced | −0.98% | 2026-10-23T03:01:25.000Z | [Snapshot 906](https://apyledger.com/snapshots/906) |
| 12-month CD special | promotional | 12 months | $1,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T03:01:25.000Z | [Snapshot 906](https://apyledger.com/snapshots/906) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.