What are the current interest rates at Bar Harbor Bank & Trust?

Current rates for Bar Harbor Bank & Trust include: 12-Month CD: 3.50%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Bar Harbor Bank & Trust

iAdvertiser Disclosure

Bar Harbor Bank & Trust Rates & Review September 2026

Q: How many branches does Bar Harbor Bank & Trust operate?

Bar Harbor Bank & Trust currently maintains approximately 62 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Bar Harbor Bank & Trust's 12-month CD special rates are at 3.50%, 12-month IRA CD special rates are at 3.50%, 6-month CD special rates are at 3.50%, 6-month IRA CD special rates are at 3.50%, 9-month CD special rates are at 3.50%. MonitorBankRates evaluates the financial stability of Bar Harbor Bank & Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.29%. Rates last updated and verified on 09/18/2026.

Bar Harbor Bank & Trust 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 Bar Harbor Bank & Trust? Share your experience about Bar Harbor Bank & Trust by leaving a review below, or read customer reviews before you decide to use Bar Harbor Bank & Trust.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.29%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bar Harbor Bank & Trust

82 Main St
Bar Harbor, ME 04609

https://www.barharbor.bank

Bar Harbor Bank & Trust CD Rates

Product	Rate	APY	Term
12-month CD special	-	3.50%	12-month
Min Deposit $1,000 Details This CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
12-month IRA CD special	-	3.50%	12-month
Min Deposit $1,000 Details This IRA CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust and requires a minimum opening deposit of $1,000. It is also available as a CD. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
6-month CD special	-	3.50%	6-month
Min Deposit $1,000 Details This CD special is available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
6-month IRA CD special	-	3.50%	6-month
Min Deposit $1,000 Details This IRA CD special is only available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust and requires a minimum opening deposit of $1,000. It is also available as a CD. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
9-month CD special	-	3.50%	9-month
Min Deposit $1,000 Details This CD special is only available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
9-month IRA CD special	-	3.50%	9-month
Min Deposit $1,000 Details This IRA CD special is only available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust and requires a minimum opening deposit of $1,000. It is also available as a CD. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
5-month CD special	-	3.00%	5-month
Min Deposit $500 Details This CD special is available to customers with a personal or business checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%
5-month IRA CD special	-	3.00%	5-month
Min Deposit $500 Details This IRA CD special is available to customers with a personal or business checking account with Bar Harbor Bank & Trust. It is also available as a CD. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.29%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Bar Harbor Bank & Trust’s Texas Ratio rose from 1.69% in Q3 2023 to 3.29% 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 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.7B	3.29%	5.0	A+
March 31, 2026	$4.7B	3.99%	5.0	A+
December 31, 2025	$4.7B	2.02%	5.0	A+
September 30, 2025	$4.7B	1.76%	5.0	A+
June 30, 2025	$4.1B	2.02%	5.0	A+
March 31, 2025	$4.1B	1.62%	5.0	A+
December 31, 2024	$4.1B	1.42%	5.0	A+
September 30, 2024	$4.0B	1.38%	5.0	A+
June 30, 2024	$4.0B	1.28%	5.0	A+
March 31, 2024	$4.0B	1.41%	5.0	A+
December 31, 2023	$4.0B	1.17%	5.0	A+
September 30, 2023	$4.0B	1.69%	5.0	A+

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 Bar Harbor Bank & Trust 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 Bar Harbor Bank & Trust 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 Bar Harbor Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bar Harbor Bank & Trust

Bank Holding Company BAR HARBOR BANKSHARES

Address 82 Main St, Bar Harbor, ME 04609 · Hancock

Website https://www.barharbor.bank

FDIC Certificate # 11971

Established 18870915

FDIC Insurance Date 19340101

Domestic Offices 62

Total Branches 62

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4194%

Return on Equity (ROE) 11.4000%

Non-Performing Loans (NPL) 0.24%

Total Assets $4,734,427,000

Total Deposits $3,860,550,000

Equity Capital $595,815,000

Net Income $33,321,000

Headquarters Bar Harbor

Total Branches and Offices 62

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Bar Harbor Bank & Trust earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/bar-harbor-bank-and-trust-rates-review-11971">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Bar Harbor Bank & Trust yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Bar Harbor Bank & Trust

Frequently Asked Questions About Bar Harbor Bank & Trust

How many branches does Bar Harbor Bank & Trust operate?

Bar Harbor Bank & Trust currently maintains approximately 62 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, Bar Harbor Bank & Trust 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, Bar Harbor Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does Bar Harbor Bank & Trust offer online and mobile banking?

Most modern institutions like Bar Harbor Bank & Trust 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.barharbor.bank.