What are the current interest rates at Camden National Bank?

Current rates for Camden National Bank include: 12-Month CD: 3.00%, 18-Month CD: 0.20%, 24-Month CD: 0.25%, 36-Month CD: 0.25%, 48-Month CD: 0.25%, 60-Month CD: 0.25%, Savings: 3.10%, MMA: 0.20%

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Camden National Bank Rates & Review October 2026

Q: How many branches does Camden National Bank operate?

Camden National Bank currently maintains approximately 74 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, Camden National 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.

Q: Are credit management and repair services offered?

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

Q: Does Camden National Bank offer online and mobile banking?

Most modern institutions like Camden National 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.camdennational.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Camden National Bank's top rates as of October 7, 2026 are 3.35% APY on its 6-Month CD, 3.10% APY on savings, 0.20% APY on money market accounts, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Camden National Bank CD rates include 12-Month CD at 3.00%, 12-Months 12-month Certificate of Deposit (CD) Special at 3.00%, and 2-Year CD/IRA at 0.25%. MonitorBankRates evaluates the financial stability of Camden National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.50%. Rates last updated and verified on 10/07/2026.

Camden National 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 Camden National Bank? Share your experience about Camden National Bank by leaving a review below, or read customer reviews before you decide to use Camden National Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.50%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Camden National Bank

2 Elm St
Camden, ME 04843

https://www.camdennational.com

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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.

Camden National Bank CD Rates

Product	Rate	APY	Term
6-Month CD	3.295%	3.35%	6-Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
12-Month CD	2.956%	3.00%	12-Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
12-month Certificate of Deposit (CD) Special	-	3.00%	12 months
Min Deposit $1,000 Min Balance $1,000 Details This account is for individuals only. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the 12-month CD Special account is opened. This offer is available for new accounts opened on or after 3/4/2026. Rate offer is valid for new money only. Transfers from existing Camden National Bank accounts are not eligible. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
2-Year CD/IRA	0.25%	0.25%	2-Year
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
3-Year CD/IRA	0.25%	0.25%	3-Year
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
4-Year CD/IRA	0.25%	0.25%	4-Year
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
5-Year CD/IRA	0.25%	0.25%	5-Year
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
18-Month CD/IRA	0.20%	0.20%	18-Month
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
90-Day CD	0.05%	0.05%	90-Day
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Camden National Bank Savings Rates

Product	Rate	APY
High-Yield Savings Accounts	3.053%	3.10%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
High-Yield Savings Accounts	2.615%	2.65%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500-$249,999 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 2.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Health Savings Account (HSA)	0.05%	0.05%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000.00 and higher Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Promise Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000.00 and higher Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Health Savings Account (HSA)	0.03%	0.03%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Health Savings Account (HSA)	0.03%	0.03%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Health Savings Account (HSA)	0.03%	0.03%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Promise Savings Account	0.03%	0.03%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Promise Savings Account	0.03%	0.03%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Promise Savings Account	0.02%	0.02%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
High-Yield Savings Account	-	0.01%
Min Deposit $25 Min Balance $0 Details Customer must be an Individual who has an existing personal Camden National Checking Account or opens one at the time this account is opened. This offer is available for new accounts opened on or after 9/18/2025. This account requires new money that is not deposited at Camden National Bank. Transfers from existing Camden National Bank accounts are not eligible. Fees could reduce earnings. $2,500 - $249,999.99 earn 2.65% APY; and $250,000 and over earn 3.10% APY. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Camden National Bank Business Savings Rates

Product	Rate	APY
Business High-Yield Savings Account	2.956%	3.00%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Business High-Yield Savings Account	2.469%	2.50%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Business High-Yield Savings Account	1.98%	2.00%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Business Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000.00 and higher Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Business Savings Account	0.03%	0.03%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Business Savings Account	0.03%	0.03%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Business Savings Account	0.02%	0.02%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Camden National Bank Money Market Rates

Product	Rate	APY
Money Market	0.20%	0.20%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Money Market	0.15%	0.15%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Money Market	0.10%	0.10%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 7, 2026 · 0.01% → 0.05% ▲ 0.04 pts · high 0.05% / low 0.01% Sep 27, 20260.05%▲ from 0.01% Sep 7, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Money Market	0.01%	0.01%
Min Deposit $100 Details Balance: < $25,000 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Camden National Bank Checking Rates

Product	Rate	APY
Nonprofit Checking	0.05%	0.05%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 and higher Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Nonprofit Checking	0.05%	0.05%
Min Deposit $25 Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Nonprofit Checking	0.05%	0.05%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000 - $19,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Nonprofit Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Premier Checking Account	0.03%	0.03%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 and higher Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Premier Checking Account	0.03%	0.03%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Premier Checking Account	0.03%	0.03%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

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

Camden National Bank’s Texas Ratio rose from 0.96% in Q3 2023 to 1.50% 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	$6.9B	1.50%	5.0	A+
March 31, 2026	$7.0B	1.24%	5.0	A+
December 31, 2025	$7.0B	0.69%	5.0	A+
September 30, 2025	$7.0B	1.02%	5.0	A+
June 30, 2025	$6.9B	2.60%	5.0	A+
March 31, 2025	$6.9B	0.94%	5.0	A+
December 31, 2024	$5.8B	0.62%	5.0	A+
September 30, 2024	$5.7B	0.75%	5.0	A+
June 30, 2024	$5.7B	1.19%	5.0	A+
March 31, 2024	$5.8B	0.95%	5.0	A+
December 31, 2023	$5.7B	1.02%	5.0	A+
September 30, 2023	$5.8B	0.96%	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 Camden National 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 Camden National 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 Camden National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Camden National Bank

Bank Holding Company CAMDEN NATIONAL CORP

Address 2 Elm St, Camden, ME 04843 · Knox

Website https://www.camdennational.com

FDIC Certificate # 4255

Established 18750101

FDIC Insurance Date 19340101

Domestic Offices 74

Total Branches 74

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.50%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3461%

Return on Equity (ROE) 12.7000%

Non-Performing Loans (NPL) 0.17%

Total Assets $6,940,603,000

Total Deposits $5,592,615,000

Equity Capital $749,884,000

Net Income $46,798,000

Headquarters Camden

Total Branches and Offices 74

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Camden National 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.

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Frequently Asked Questions About Camden National Bank

How many branches does Camden National Bank operate?

Camden National Bank currently maintains approximately 74 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, Camden National 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, Camden National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Camden National Bank offer online and mobile banking?

Most modern institutions like Camden National 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.camdennational.com.