Certificates of Deposit & IRAs

Certificates of Deposit

Higher interest rate deposit accounts featuring a fixed interest rate for a specific period of time.

  • Open with as little as $500; terms from 1 month to 5 years.
  • Make incremental deposits of $250 or greater for terms 1-11 months.
  • Advantage CD allows you to make one fee free withdrawal per term. $10,000 minimum balance to open, terms of 1-9 months available.

19-month CD Special 2.00% APY

Visit your local branch or contact our Customer Service Center to learn about current rates and other specials.

Individual Retirement Accounts

Several IRA CD types to choose from with terms of 1 to 5 years: Traditional IRA, Roth IRA, SEP IRA. Contact your local branch for more information.


1To be eligible for this CD rate you must open or have an existing Bar Harbor Bank and Trust E-Choice Checking Account or Preferred Checking Account. Annual Percentage Yield (APY) is effective as of 4/30/18. Interest compounded monthly. Minimum to open CD and earn the advertised APY is $5,000 of funds not already on deposit at the Bank. A penalty may be imposed for early withdrawal. Rates are subject to change at any time. Fees may reduce earnings on the account. This offer is available for IRA CDs. As of 4/5/18 according to the FDIC the national average APY for 24 Month CDs under $100,000 is 0.51%. Complete details can be found at: https://www.fdic.gov/regulations/resources/rates/

The Bank Secrecy Act requires us to gather information when opening new accounts or renewing existing accounts. The rule requires the Bank to obtain, verify and record information about beneficial owners of legal entities. FinCEN has adopted what they describe as a “two pronged” approach to beneficial ownership. The ownership prong includes all natural persons with 25% or more direct or indirect equity interest in a legal entity; while the control prong is a single individual with significant managerial responsibility over the legal entity. We will ask to see a copy of each person’s identification and record information from each of them. To help you gather the required information click here to see the Certification Regarding Beneficial Owners of Legal Entity Customers form. Please visit your local branch for more information or call 888-853-7100.