Rates

Rates accurate as of Monday, August 31, 2015

Checking

Type of Account Minimum to Open APY*
Preferred Choice Checking $25.00
 Balances $50,000 and over - 0.15%
 Balances between $20,000 - $49,999 - 0.10%
 Balances between $0 - $19,999 - 0.05%
Business Checking with Interest $100.00
 Balances $100,000 and over - 0.20%
 Balances between $50,000 - $99,999 - 0.15%
 Balances between $20,000 - $49,999 - 0.05%
 Balances between $0 - $19,999 - 0.05%
Non-Profit Business Plus Checking $100.00 0.05%
E-Choice Checking (qualifiers+ met) $25.00
 Portion of balance between $0.01 - $10,000 - 2.01%
 Portion of balance greater than $10,000 - 0.20%
E-Choice Checking (qualifiers+ NOT met) $25.00
 All Balances - 0.05%

+E-Choice Checking monthly qualifiers: 1. Use your Bar Harbor Bank & Trust Visa® debit card for at least 12 purchases (excludes pending and ATM transactions). 2. Have at least one electronic (ACH) debit or credit on the account. This could be a direct deposit or automatic bill payment. 3. Access Online Banking at least once during the statement cycle. 4. Sign up and remain enrolled in e-Statements

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Savings & Money Markets

Type of Account Minimum to Open APY*
Savings

 Statement Savings $25.00 0.07%
 Club Account - Transfer $2.00 0.07%
Investors Choice
 Balances $250,000 and Over - 0.25%
 Balances between $100,000 - $249,999 - 0.20%
 Balances between $50,000 - $99,999 - 0.20%
 Balances between $25,000 - $49,999  - 0.15%
 Balances between $10,000 - $24,999 - 0.05%
 Balances between $0 - $9,999 $2500.00 0.05%

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Health Savings

Type of Account Minimum to Open APY*
Balances $25,000 and over 1.25%
Balances between $10,000 - $24,999
1.00%
Balances between $0 - $9,999 $25.00 0.75%

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CDs & IRAs

Type of Account Minimum to Open APY*
Certificates of Deposit
 30 - 59 Days $500.00 0.10%
 60 - 89 Days $500.00 0.10%
 90 - 180 Days $500.00 0.15%
 6 - 11 Months $500.00 0.20%
 12 - 17 Months $500.00 0.25%
 18 - 23 Months  $500.00 0.30%
 24 - 29 Months $500.00 0.40%
 30 - 35 Months $500.00 0.45%
 36 - 47 Months $500.00 0.70%
 48 - 59 Months $500.00 0.95%
 60 Months and Over $500.00 1.50%
Individual Retirement Accounts
 23 Month Special with Checking Account $100.00 0.48%
 12 - 17 Months $100.00 0.23%
 18 - 23 Months $100.00 0.33%
 24 - 29 Months $100.00 0.43%
 30 - 35 Months $100.00 0.48%
 36 - 47 Months $100.00 0.70%
 48 - 59 Months $100.00 0.95%
 60 Months and Over $100.00 1.50%

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CD Specials (BHBT checking account required)

Type of Account Minimum to Open APY*
11 Month with Checking Account $1,000.00 0.30%
23 Month with Checking Account
$1,000.00
0.47%
60 Month with Checking Account  $25,000.00 1.85%

 

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*Annual Percentage Yield

Note: Checking account charges may apply and reduce earnings on the account. Certificate of Deposit early withdrawal penalties may apply and reduce earnings on the account. Posted Annual Percentage Yields (APY) are accurate as of the date listed above. APY is subject to change at any time without notice and the rate may change after the account is opened. Interest bearing accounts earn interest on all positive balances.

For Current Annual Percentage Yields and Interest Rates, please call 
Customer Service Center (207) 667-7100 •1-888-853-7100 (Toll Free)