What are the current interest rates at Bar Harbor SLA?

Current rates for Bar Harbor SLA include: 12-Month CD: 3.40%, 18-Month CD: 2.78%, 24-Month CD: 2.58%, 36-Month CD: 2.58%, 48-Month CD: 2.58%, 60-Month CD: 2.01%, Savings: 0.10%, MMA: 0.10%

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 SLA

iAdvertiser Disclosure

Bar Harbor SLA Rates & Review September 2026

Q: How many branches does Bar Harbor SLA operate?

Bar Harbor SLA currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bar Harbor SLA 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bar Harbor SLA 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 20, 2026

Bar Harbor SLA's 12-Month CD rates are at 3.40%, 6-Month CD rates are at 3.40%, 9-Month CD rates are at 3.40%, 18-Month CD rates are at 2.78%, 24-Month CD rates are at 2.58%. Bar Harbor SLA's savings rates are at 0.10%. Bar Harbor SLA's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Bar Harbor SLA with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.99%. Rates last updated and verified on 09/20/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

15.99%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Bar Harbor SLA

103 Main St
Bar Harbor, ME 04609

https://www.bhsla.com

Bar Harbor SLA CD Rates

Product	Rate	APY	Term
12 MONTH CD	3.35%	3.40%	12 MONTH
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685. Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%
6 MONTH CD	3.40%	3.40%	6 MONTH
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685. Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%
9 MONTH CD	3.35%	3.40%	9 MONTH
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685. Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%
18 MONTH CD	2.75%	2.78%	18 MONTH
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685. Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%
24 MONTH CD	2.55%	2.58%	24 MONTH
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685. Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%
36 MONTH CD	2.55%	2.58%	36 MONTH
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685. Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%
48 MONTH CD	2.55%	2.58%	48 MONTH
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685. Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%
60 MONTH CD	2.00%	2.01%	60 MONTH
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685. Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%

Bar Harbor SLA Savings Rates

Product	Rate	APY	View More
STATEMENT SAVINGS ACCOUNT	0.10%	0.10%
Min Balance $5 Details Fees may apply and reduce earnings. ** Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%

Bar Harbor SLA Money Market Rates

Product	Rate	APY
IRA Money Market Deposit Accounts	0.15%	0.15%
Min Balance $5 Details Amounts between $5.00 and $2,499.99 earn an interest rate of 0.15% and an annual percentage yield of 0.15%.*** Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%
MONEY MARKET DEPOSIT ACCOUNT	0.10%	0.10%
Details Fees may apply and reduce earnings. ** Last Updated 09/20/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.99%

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 SLA’s Texas Ratio rose from 5.66% in Q3 2023 to 15.99% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A+ 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.

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)

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	$103M	15.99%	4.9	A-
March 31, 2026	$102M	12.97%	5.0	A
December 31, 2025	$102M	12.46%	5.0	A
September 30, 2025	$100M	13.88%	5.0	A
June 30, 2025	$99M	11.38%	5.0	A
March 31, 2025	$99M	11.98%	5.0	A
December 31, 2024	$100M	12.08%	5.0	A
September 30, 2024	$101M	13.96%	5.0	A
June 30, 2024	$103M	15.01%	5.0	A-
March 31, 2024	$103M	6.79%	5.0	A
December 31, 2023	$105M	4.74%	5.0	A+
September 30, 2023	$104M	5.66%	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 SLA 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 SLA 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 SLA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bar Harbor SLA

FDIC Certificate # 30878

Address 103 Main St, Bar Harbor, ME 04609 · Hancock

Website https://www.bhsla.com

Established 19020101

FDIC Insurance Date 19890809

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

4.9

Exceptional Out of 5.0 Stars

15.99%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3211%

Return on Equity (ROE) 2.7500%

Non-Performing Loans (NPL) 1.85%

Total Assets $103,234,000

Total Deposits $73,776,000

Equity Capital $11,973,000

Net Income $164,000

Headquarters Bar Harbor

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

There are no reviews for Bar Harbor SLA 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 SLA

Frequently Asked Questions About Bar Harbor SLA

How many branches does Bar Harbor SLA operate?

Bar Harbor SLA currently maintains approximately 1 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 SLA 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 SLA provides members with tools to manage their accounts and build a solid financial history.

Does Bar Harbor SLA offer online and mobile banking?

Most modern institutions like Bar Harbor SLA 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.bhsla.com.