What are the current interest rates at Bath Savings Institution?

Current rates for Bath Savings Institution include: 12-Month CD: 2.68%

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Bath Savings Institution Rates & Review November 2026

Q: What CD terms does Bath Savings Institution offer?

Bath Savings Institution CD rates are 2.32% APY for a 4 month CD, 2.58% APY for a 9 month CD, 2.68% APY for a 12 month CD, 2.68% APY for a 30 month CD and 2.73% APY for a 54 month CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Bath Savings Institution for its full lineup.

Q: How many branches does Bath Savings Institution operate?

Bath Savings Institution currently maintains approximately 13 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, Bath Savings Institution 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: November 6, 2026

Bath Savings Institution's The 9-Month No-Penalty CD rates are at 2.58%, 4-Month CD rates are at 2.32%, 54-Month Opportunity CD / IRA rates are at 2.73%, 1 Year CD / IRA rates are at 2.68%, 30-Month Opportunity CD / IRA rates are at 2.68%. Bath Savings Institution's Credit Card Rates are at 13.00%. Bath Savings Institution's top CD rate of 2.73% APY on a 54 month CD is 5% lower than the MonitorBankRates national average of 2.88% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Bath Savings Institution with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.21%. Rates last updated and verified on 11/06/2026.

Bath Savings Institution 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 Bath Savings Institution? Share your experience about Bath Savings Institution by leaving a review below, or read customer reviews before you decide to use Bath Savings Institution.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bath Savings Institution

105 Front St
Bath, ME 04530

https://www.bathsavings.bank

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.

Bath Savings Institution CD Rates

Product	Rate	APY	Term	Min. Deposit
54-Month Opportunity CD / IRA	-	2.73%	54 months	$500
Min Deposit $500 Details One-time option to change rate during term; Deposit rates effective: October 16, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.53% → 2.73% ▲ 0.20 pts · high 2.73% / low 2.53% Sep 27, 20262.73%▲ from 2.53% Sep 19, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
1-Year CD / IRA	-	2.68%	1 Year	$500
Min Deposit $500 Details Deposit rates effective: October 16, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.48% → 2.68% ▲ 0.20 pts · high 2.68% / low 2.48% Sep 27, 20262.68%▲ from 2.48% Sep 19, 20262.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
30-Month Opportunity CD / IRA	-	2.68%	30 months	$500
Min Deposit $500 Details One-time option to change rate during term; Deposit rates effective: October 16, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.48% → 2.68% ▲ 0.20 pts · high 2.68% / low 2.48% Sep 27, 20262.68%▲ from 2.48% Sep 19, 20262.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
15-Month Opportunity CD / IRA	-	2.63%	15 months	$500
Min Deposit $500 Details One-time option to change rate during term; Deposit rates effective: October 16, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.48% → 2.63% ▲ 0.15 pts · high 2.63% / low 2.48% Sep 27, 20262.63%▲ from 2.48% Sep 19, 20262.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
The 9-Month No-Penalty CD	-	2.58%	9 months	$500
Min Deposit $500 Details No penalty for withdrawals after the first seven (7) days; Deposit rates effective: October 16, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.43% → 2.58% ▲ 0.15 pts · high 2.58% / low 2.43% Sep 27, 20262.58%▲ from 2.43% Sep 19, 20262.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
4-Month CD	-	2.32%	4 months	$500
Min Deposit $500 Details Deposit rates effective: October 16, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 2.17% → 2.32% ▲ 0.15 pts · high 2.32% / low 2.17% Sep 27, 20262.32%▲ from 2.17% Sep 19, 20262.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

Bath Savings Institution Credit Card Rates

Product	Rate	APR
Mastercard Classic	-	13.00%
Details Variable APR; Save with a lower interest rate; No annual fee Last Updated 11/06/2026 Rate History No change since Sep 15, 2026 · 13.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
Mastercard Platinum Rewards	-	15.00%
Details Variable APR; Earn 1 point for every $1 you spend with uChoose Rewards; No annual fee Last Updated 11/06/2026 Rate History No change since Sep 15, 2026 · 15.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

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

Bath Savings Institution’s Texas Ratio stayed near 0.02% in Q3 2023 to 0.21% 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	$1.5B	0.21%	5.0	A+
March 31, 2026	$1.5B	0.59%	5.0	A+
December 31, 2025	$1.5B	0.46%	5.0	A+
September 30, 2025	$1.5B	0.57%	5.0	A+
June 30, 2025	$1.4B	0.64%	5.0	A+
March 31, 2025	$1.4B	0.49%	5.0	A+
December 31, 2024	$1.4B	0.31%	5.0	A+
September 30, 2024	$1.4B	0.32%	5.0	A+
June 30, 2024	$1.4B	0.14%	5.0	A+
March 31, 2024	$1.4B	0.32%	5.0	A+
December 31, 2023	$1.4B	0.14%	5.0	A+
September 30, 2023	$1.3B	0.02%	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 Bath Savings Institution 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 Bath Savings Institution 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 Bath Savings Institution's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bath Savings Institution

Website https://www.bathsavings.bank

Address 105 Front St, Bath, ME 04530 · Sagadahoc

FDIC Certificate # 17749

Regulator FDIC

Established April 19, 1852

FDIC Insurance Date April 18, 1957

Domestic Offices 13

Total Branches 13

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.21%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.7413%

Return on Equity (ROE)

5.1100%

Non-Performing Loans Ratio (NPL)

0.03%

Total Assets

$1,503,065,000

Total Deposits

$1,154,317,000

Equity Capital

$220,756,000

Net Income

$5,561,000

Headquarters

Bath

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Bath Savings Institution 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/bath-savings-institution-rates-review-17749">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Bath Savings Institution

Does Bath Savings Institution offer CDs?

Yes. Bath Savings Institution current CD rates include its 54-Month Opportunity CD / IRA at 2.73% APY, its 1 Year CD / IRA at 2.68% APY and its 30-Month Opportunity CD / IRA at 2.68% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Bath Savings Institution FDIC insured?

Yes. Bath Savings Institution is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Bath Savings Institution?

The highest Bath Savings Institution CD rate is its 54-Month Opportunity CD / IRA at 2.73% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Bath Savings Institution offer?

Bath Savings Institution CD rates are 2.32% APY for a 4 month CD, 2.58% APY for a 9 month CD, 2.68% APY for a 12 month CD, 2.68% APY for a 30 month CD and 2.73% APY for a 54 month CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Bath Savings Institution for its full lineup.

What is the lowest credit card APR at Bath Savings Institution?

The lowest Bath Savings Institution credit card APR is its Mastercard Classic Credit Card at 13.00% APR, verified by MonitorBankRates as of November 6, 2026.

How many branches does Bath Savings Institution operate?

Bath Savings Institution currently maintains approximately 13 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, Bath Savings Institution 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, Bath Savings Institution provides members with tools to manage their accounts and build a solid financial history.

Does Bath Savings Institution offer online and mobile banking?

Most modern institutions like Bath Savings Institution 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.bathsavings.bank.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Bath Savings Institution rates compare?

Bath Savings Institution's top CD rate of 2.73% APY on a 54 month CD is 5% lower than the MonitorBankRates national average of 2.88% APY for that term, and it has an A+ health rating. Bath Savings Institution's top rates are its 54-Months 54-Month Opportunity CD / IRA at 2.73% APY and its Mastercard Classic Credit Card at 13.00% APR, verified by MonitorBankRates on November 6, 2026.

Current Bath Savings Institution Rates

12-Month CD2.68%

Retrieved from our database of financial products. Rates subject to change.

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Bath Savings Institution Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bath Savings Institution Texas Ratio

Bath Savings Institution Health Trend

Bath Savings Institution CD Rates

Bath Savings Institution Credit Card Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Bath Savings Institution earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bath Savings Institution

Does Bath Savings Institution offer CDs?

Are CDs from Bath Savings Institution FDIC insured?

What is the highest CD rate at Bath Savings Institution?

What CD terms does Bath Savings Institution offer?

What is the lowest credit card APR at Bath Savings Institution?

How many branches does Bath Savings Institution operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bath Savings Institution offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Bath Savings Institution rates compare?

Current Bath Savings Institution Rates

Compare to Other Banks