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Bangor Savings Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Bangor Savings Bank's top rates as of October 7, 2026 are 4.00% APY on its 39-Months 39-Month - Benefit Plus CD, 0.40% APY on savings, 0.60% APY on money market accounts, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Bangor Savings Bank CD rates include 54-Months 54-Month - Benefit Plus at 4.00%, 15-Months 15-Month - Benefit Plus at 3.75%, and 39-Months 39-Month Certificate at 3.75%. MonitorBankRates evaluates the financial stability of Bangor Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.53%. Rates last updated and verified on 10/07/2026.

Bangor Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bangor Savings Bank? Share your experience about Bangor Savings Bank by leaving a review below, or read customer reviews before you decide to use Bangor Savings Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.53%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Bangor Savings Bank
24 Hamlin Way
Bangor, ME 04401
https://www.bangor.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Bangor Savings Bank CD Rates

Product Rate APY Term View More
39 month - Benefit Plus 3.92% 4.00% 39 Months
Details 39 Months***
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
54 month - Benefit Plus 3.92% 4.00% 54 Months
Details 54 Months****
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
15 month - Benefit Plus 3.68% 3.75% 15 Months
Details 15 Months**
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
39 Month Certificate 3.68% 3.75% 39 Months
Details 39 Months***
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
54 Month Certificate 3.68% 3.75% 54 Months
Details 54 Months****
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
15 Month Certificate 3.44% 3.50% 15 Months
Details 15 Months**
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
9 month - Benefit Plus 3.44% 3.50% 9 Months
Details 9 Months*
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
9 Month Certificate 3.20% 3.25% 9 Months
Details 9 Months*
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
3 Month Certificate of Deposit - Benefit Plus 2.50% 2.53% 3 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
3 Month Certificate of Deposit 2.25% 2.28% 3 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 6 times
1.78%2.28%2.78%Sep 18, 2026: 2.28% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
24 Month Certificate of Deposit - Benefit Plus 1.00% 1.01% 24 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
30 Month Certificate of Deposit - Benefit Plus 1.00% 1.01% 30 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
36 Month Certificate of Deposit - Benefit Plus 1.00% 1.01% 36 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
48 Month Certificate of Deposit - Benefit Plus 1.00% 1.01% 48 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
60 Month Certificate of Deposit - Benefit Plus 1.00% 1.01% 60 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
18 Month Certificate of Deposit - Benefit Plus 0.95% 0.95% 18 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 6 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
12 Month Certificate of Deposit - Benefit Plus 0.85% 0.85% 12 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 18, 2026: 0.85% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Great Start CD for Kids - 12 Month - Benefit Plus 0.85% 0.85% 12 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 7, 2026: 0.85% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
24 Month Certificate of Deposit 0.75% 0.75% 24 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
30 Month Certificate of Deposit 0.75% 0.75% 30 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
36 Month Certificate of Deposit 0.75% 0.75% 36 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
48 Month Certificate of Deposit 0.75% 0.75% 48 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
60 Month Certificate of Deposit 0.75% 0.75% 60 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
18 Month Certificate of Deposit 0.70% 0.70% 18 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 6 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
6 Month Certificate of Deposit - Benefit Plus 0.70% 0.70% 6 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 6 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
12 Month Certificate of Deposit 0.60% 0.60% 12 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Great Start CD for Kids - 12 Month 0.60% 0.60% 12 months
Details Benefit Plus Customers - Interest Rate: 0.85%; Benefit Plus Customers - Annual Percentage Yield: 0.85%
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 7, 2026: 0.60% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
6 Month Certificate of Deposit 0.45% 0.45% 6 months
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 18, 2026: 0.45% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%

Bangor Savings Bank Savings Rates

Product Rate APY View More
Market Rate Savings 0.40% 0.40%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Market Rate Savings 0.40% 0.40%
Min Balance $50,000
Details Balance: $50,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Market Rate Savings 0.25% 0.25%
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Market Rate Savings 0.15% 0.15%
Min Balance $5,000
Details Balance: $5,000 - $9,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Great Start Savings for Kids 0.05% 0.05%
Min Balance $0
Details Balance: 0 - $999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Great Start Savings for Kids 0.05% 0.05%
Min Balance $1,000
Details Balance: $1,000 - $4,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Great Start Savings for Kids 0.05% 0.05%
Min Balance $5,000
Details Balance: $5,000 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Great Start Savings for Kids 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Statement Savings 0.05% 0.05%
Min Balance $25
Details Balance: $25 - $999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Statement Savings 0.05% 0.05%
Min Balance $1,000
Details Balance: $1,000 - $4,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Statement Savings 0.05% 0.05%
Min Balance $5,000
Details Balance: $5,000 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Statement Savings 0.05% 0.05%
Min Balance $25,000
Details Balance: $25,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%

Bangor Savings Bank Money Market Rates

Product Rate APY View More
Benefit Money Market 0.60% 0.60%
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Money Market 0.60% 0.60%
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Money Market 0.50% 0.50%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Money Market 0.45% 0.45%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 18, 2026: 0.45% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Money Market 0.25% 0.25%
Min Balance $5,000
Details Balance: $5,000 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%

Bangor Savings Bank Business Money Market Rates

Product Rate APY View More
Business Complete Money Market 0.60% 0.60%
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Business Complete Money Market 0.60% 0.60%
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Business Complete Money Market 0.50% 0.50%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Business Complete Money Market 0.45% 0.45%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 18, 2026: 0.45% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Business Complete Money Market 0.25% 0.25%
Min Balance $5,000
Details Balance: $5,000 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%

Bangor Savings Bank Checking Rates

Product Rate APY View More
Benefit Plus Checking 0.05% 0.05%
Min Balance $1,000
Details Balance: $1,000 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%

Bangor Savings Bank Home Equity & HELOC

Product Rate Points APR Term View More
Benefit Home Equity Variable 7.00% - 7.00%
Details Credit Score: 780+; Rate: Prime; APR: Prime; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 7 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APRSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Flex 7.125% - 7.125%
Details Credit Score: 780+; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.13% / low 6.88%
6.38%7.00%7.63%Sep 15, 2026: 6.88% APRSep 24, 2026: 7.13% APRSep 15, 2026Oct 14, 2026
  • Sep 24, 20267.13%▲ from 6.88%
  • Sep 15, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Variable 7.25% - 7.25%
Details Credit Score: 740-779; Rate: Prime + 0.25%; APR: Prime + 0.25%; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 7 times
6.75%7.25%7.75%Sep 18, 2026: 7.25% APRSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Fixed 7.375% - 7.375%
Details Credit Score: 780+; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.13% → 7.38% ▲ 0.25 pts · high 7.38% / low 7.13%
6.63%7.25%7.88%Sep 15, 2026: 7.13% APRSep 24, 2026: 7.38% APRSep 15, 2026Oct 14, 2026
  • Sep 24, 20267.38%▲ from 7.13%
  • Sep 15, 20267.13%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Flex 7.375% - 7.375%
Details Credit Score: 740-779; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.13% → 7.38% ▲ 0.25 pts · high 7.38% / low 7.13%
6.63%7.25%7.88%Sep 15, 2026: 7.13% APRSep 24, 2026: 7.38% APRSep 15, 2026Oct 14, 2026
  • Sep 24, 20267.38%▲ from 7.13%
  • Sep 15, 20267.13%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Variable 7.50% - 7.50%
Details Credit Score: 700-739; Rate: Prime + 0.50%; APR: Prime + 0.50%; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 7 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Fixed 7.625% - 7.625%
Details Credit Score: 740-779; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 7.63% / low 7.38%
6.88%7.50%8.13%Sep 15, 2026: 7.38% APRSep 24, 2026: 7.63% APRSep 15, 2026Oct 14, 2026
  • Sep 24, 20267.63%▲ from 7.38%
  • Sep 15, 20267.38%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Flex 7.625% - 7.625%
Details Credit Score: 700-739; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 7.63% / low 7.38%
6.88%7.50%8.13%Sep 15, 2026: 7.38% APRSep 24, 2026: 7.63% APRSep 15, 2026Oct 14, 2026
  • Sep 24, 20267.63%▲ from 7.38%
  • Sep 15, 20267.38%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Variable 7.75% - 7.75%
Details Credit Score: 680-699; Rate: Prime + 0.75%; APR: Prime + 0.75%; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
1 change since Sep 18, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50%
7.00%7.63%8.25%Sep 18, 2026: 7.50% APRSep 24, 2026: 7.75% APRSep 18, 2026Oct 14, 2026
  • Sep 24, 20267.75%▲ from 7.50%
  • Sep 18, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Fixed 7.875% - 7.875%
Details Credit Score: 700-739; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.63% → 7.88% ▲ 0.25 pts · high 7.88% / low 7.63%
7.13%7.75%8.38%Sep 15, 2026: 7.63% APRSep 24, 2026: 7.88% APRSep 15, 2026Oct 14, 2026
  • Sep 24, 20267.88%▲ from 7.63%
  • Sep 15, 20267.63%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Flex 7.875% - 7.875%
Details Credit Score: 680-699; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.63% → 7.88% ▲ 0.25 pts · high 7.88% / low 7.63%
7.13%7.75%8.38%Sep 15, 2026: 7.63% APRSep 24, 2026: 7.88% APRSep 15, 2026Oct 14, 2026
  • Sep 24, 20267.88%▲ from 7.63%
  • Sep 15, 20267.63%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Benefit Home Equity Fixed 8.125% - 8.125%
Details Credit Score: 680-699; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.88% → 8.13% ▲ 0.25 pts · high 8.13% / low 7.88%
7.38%8.00%8.63%Sep 15, 2026: 7.88% APRSep 24, 2026: 8.13% APRSep 15, 2026Oct 14, 2026
  • Sep 24, 20268.13%▲ from 7.88%
  • Sep 15, 20267.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%

Bangor Savings Bank Other Rates

Product Rate Points APY/APR Term View More
Investment Property Equity Line of Credit 9.00% - 9.00%
Details Rate: Prime + 2.00%; APR: Prime + 2.00%
Last Updated 10/07/2026
Rate History
1 change since Sep 18, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75%
8.25%8.88%9.50%Sep 18, 2026: 8.75% APRSep 24, 2026: 9.00% APRSep 18, 2026Oct 14, 2026
  • Sep 24, 20269.00%▲ from 8.75%
  • Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Lines of Credit Loan 8.00% - 8.00%
Details Credit Score: 680-699; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 8.00% APR · checked 2 times
7.50%8.00%8.50%Oct 7, 2026: 8.00% APROct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Lines of Credit Loan 7.75% - 7.75%
Details Credit Score: 700-739; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Oct 7, 2026: 7.75% APROct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Lines of Credit Loan 7.50% - 7.50%
Details Credit Score: 740-779; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 7, 2026: 7.50% APROct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Lines of Credit Loan 7.25% - 7.25%
Details Credit Score: 780+; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.25% APR · checked 2 times
6.75%7.25%7.75%Oct 7, 2026: 7.25% APROct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA) 0.10% - 0.10%
Min Balance $0
Details Balance: 0 - $24.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA) 0.15% - 0.15%
Min Balance $25
Details Balance: $25 - $4,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA) 0.15% - 0.15%
Min Balance $5,000
Details Balance: $5,000 - $9,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA) 0.25% - 0.25%
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA) 0.40% - 0.40%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA) 0.45% - 0.45%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 18, 2026: 0.45% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA) 0.50% - 0.50%
Min Balance $100,000
Details Balance: $100,000 - and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.53%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Bangor Savings Bank’s Texas Ratio rose from 2.55% in Q3 2023 to 4.53% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 2.7 to 5.0 and its Health Grade from C to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.55% C Q3 2023 B Q4 2023 B Q1 2024 B Q2 2024 A- Q3 2024 B+ Q4 2024 A- Q1 2025 A- Q2 2025 A Q3 2025 A+ Q4 2025 A+ Q1 2026 4.53% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$7.7B4.53%5.0A+
March 31, 2026$7.4B4.34%5.0A+
December 31, 2025$7.4B3.59%5.0A+
September 30, 2025$7.3B2.42%4.7A
June 30, 2025$7.3B7.17%4.4A-
March 31, 2025$7.2B1.78%4.3A-
December 31, 2024$7.2B2.27%3.9B+
September 30, 2024$7.2B1.56%4.3A-
June 30, 2024$7.2B2.14%3.7B
March 31, 2024$7.2B2.30%3.6B
December 31, 2023$7.3B2.06%3.6B
September 30, 2023$7.3B2.55%2.7C
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bangor Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bangor Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bangor Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bangor Savings Bank
Bank Holding Company BANGOR BCORP MHC
Address 24 Hamlin Way, Bangor, ME 04401  ·  Penobscot
Website https://www.bangor.com
FDIC Certificate # 18408
Established 18520214
FDIC Insurance Date 19610701
Domestic Offices 72
Total Branches 73
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 97/100
5.0
Exceptional Out of 5.0 Stars
4.53%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.3737%
Return on Equity (ROE) 5.2600%
Non-Performing Loans (NPL) 0.32%
Total Assets $7,739,717,000
Total Deposits $5,722,766,000
Equity Capital $539,601,000
Net Income $14,025,000
Headquarters Bangor
Total Branches and Offices 72
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Bangor Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/bangor-savings-bank-rates-review-18408">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Bangor Savings Bank

How many branches does Bangor Savings Bank operate?

Bangor Savings Bank currently maintains approximately 73 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bangor Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bangor Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Bangor Savings Bank offer online and mobile banking?

Most modern institutions like Bangor Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bangor.com.

Current Bangor Savings Bank Rates

  • 12-Month CD0.60%
  • 18-Month CD0.70%
  • 24-Month CD0.75%
  • 36-Month CD0.75%
  • 48-Month CD0.75%
  • 60-Month CD0.75%
  • Savings0.40%
  • MMA0.60%
Retrieved from our database of financial products. Rates subject to change.

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