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Bangor Savings Bank Rates & Review October 2026

Q: What are the current interest rates at Bangor Savings Bank?

Current rates for Bangor Savings Bank include: 12-Month CD: 0.60%, 18-Month CD: 0.70%, 24-Month CD: 0.75%, 36-Month CD: 0.75%, 48-Month CD: 0.75%, 60-Month CD: 0.75%, Savings: 0.40%, MMA: 0.60%

Q: What CD terms does Bangor Savings Bank offer?

The Bangor Savings Bank CD terms we track include 12 month, 15 month, 18 month, 2 year, 3 year, 39 month, 4 year, 54 month and 5 year terms, with rates from 3.75% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Bangor Savings Bank for its full lineup.

Q: How many branches does Bangor Savings Bank operate?

Bangor Savings Bank currently maintains approximately 73 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, Bangor Savings 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 20, 2026

Bangor Savings Bank's 39-Month Special CD - Benefit Plus rates are at 4.00%, 54-Month Special CD - Benefit Plus rates are at 4.00%, Special Certificate of Deposit (CD) - 39-Month - Benefit Plus rates are at 4.00%, Special Certificate of Deposit (CD) - 54-Month - Benefit Plus rates are at 4.00%, 15-Month Special CD - Benefit Plus rates are at 3.75%. Bangor Savings Bank's savings rates are at 0.40%. Bangor Savings Bank's money market rates are at 0.60%. Bangor Savings Bank's checking rates are as high as 0.05%. MonitorBankRates evaluates the financial stability of Bangor Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.53%. Rates last updated and verified on 10/20/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.53%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bangor Savings Bank

24 Hamlin Way
Bangor, ME 04401

https://www.bangor.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.

Bangor Savings Bank CD Rates

Product	Rate	APY	Term
39 Month Special CD - Benefit Plus	3.92%	4.00%	39 Months
Min Deposit $500 Min Balance $500 Details Benefit Plus Customers; Renews automatically into 36 Month CDs; A minimum daily balance of $500 is required to earn the annual percentage yield; All terms require a $500 minimum opening deposit; Penalties may be imposed for early withdrawal Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
54 Month Special CD - Benefit Plus	3.92%	4.00%	54 Months
Min Deposit $500 Min Balance $500 Details Benefit Plus Customers; Renews automatically into 48 Month CDs; A minimum daily balance of $500 is required to earn the annual percentage yield; All terms require a $500 minimum opening deposit; Penalties may be imposed for early withdrawal Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Special Certificate of Deposit (CD) - 39 month - Benefit Plus	3.92%	4.00%	39 Months
Min Deposit $500 Min Balance $500 Details Benefit Plus Customers rate; renews automatically into 36 Month CDs; minimum daily balance of $500 required to earn APY; all terms require $500 minimum opening deposit Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Special Certificate of Deposit (CD) - 54 month - Benefit Plus	3.92%	4.00%	54 Months
Min Deposit $500 Min Balance $500 Details Benefit Plus Customers rate; renews automatically into 48 Month CDs; minimum daily balance of $500 required to earn APY; all terms require $500 minimum opening deposit Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
15 Month Special CD - Benefit Plus	3.68%	3.75%	15 Months
Min Deposit $500 Min Balance $500 Details Benefit Plus Customers; Renews automatically into 12 Month CDs; A minimum daily balance of $500 is required to earn the annual percentage yield; All terms require a $500 minimum opening deposit; Penalties may be imposed for early withdrawal Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
39 Month Special CD	3.68%	3.75%	39 Months
Min Deposit $500 Min Balance $500 Details Renews automatically into 36 Month CDs; A minimum daily balance of $500 is required to earn the annual percentage yield; All terms require a $500 minimum opening deposit; Penalties may be imposed for early withdrawal Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
54 Month Special CD	3.68%	3.75%	54 Months
Min Deposit $500 Min Balance $500 Details Renews automatically into 48 Month CDs; A minimum daily balance of $500 is required to earn the annual percentage yield; All terms require a $500 minimum opening deposit; Penalties may be imposed for early withdrawal Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Special Certificate of Deposit (CD) - 15 month - Benefit Plus	3.68%	3.75%	15 Months
Min Deposit $500 Min Balance $500 Details Benefit Plus Customers rate; renews automatically into 12 Month CDs; minimum daily balance of $500 required to earn APY; all terms require $500 minimum opening deposit Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Special Certificate of Deposit (CD) - 39 month	3.68%	3.75%	39 Months
Min Deposit $500 Min Balance $500 Details Renews automatically into 36 Month CDs; minimum daily balance of $500 required to earn APY; all terms require $500 minimum opening deposit Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Special Certificate of Deposit (CD) - 54 month	3.68%	3.75%	54 Months
Min Deposit $500 Min Balance $500 Details Renews automatically into 48 Month CDs; minimum daily balance of $500 required to earn APY; all terms require $500 minimum opening deposit Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
15 Month Special CD	3.44%	3.50%	15 Months
Min Deposit $500 Min Balance $500 Details Renews automatically into 12 Month CDs; A minimum daily balance of $500 is required to earn the annual percentage yield; All terms require a $500 minimum opening deposit; Penalties may be imposed for early withdrawal Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
9 Month Special CD - Benefit Plus	3.44%	3.50%	9 Months
Min Deposit $500 Min Balance $500 Details Benefit Plus Customers; Renews automatically into 6 Month CDs; A minimum daily balance of $500 is required to earn the annual percentage yield; All terms require a $500 minimum opening deposit; Penalties may be imposed for early withdrawal Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Special Certificate of Deposit (CD) - 15 month	3.44%	3.50%	15 Months
Min Deposit $500 Min Balance $500 Details Renews automatically into 12 Month CDs; minimum daily balance of $500 required to earn APY; all terms require $500 minimum opening deposit Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Special Certificate of Deposit (CD) - 9 month - Benefit Plus	3.44%	3.50%	9 Months
Min Deposit $500 Min Balance $500 Details Benefit Plus Customers rate; renews automatically into 6 Month CDs; minimum daily balance of $500 required to earn APY; all terms require $500 minimum opening deposit Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
9 Month Special CD	3.20%	3.25%	9 Months
Min Deposit $500 Min Balance $500 Details Renews automatically into 6 Month CDs; A minimum daily balance of $500 is required to earn the annual percentage yield; All terms require a $500 minimum opening deposit; Penalties may be imposed for early withdrawal Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Special Certificate of Deposit (CD) - 9 month	3.20%	3.25%	9 Months
Min Deposit $500 Min Balance $500 Details Renews automatically into 6 Month CDs; minimum daily balance of $500 required to earn APY; all terms require $500 minimum opening deposit Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
3 Month Certificate of Deposit - Benefit Plus	2.50%	2.53%	3 months
Min Deposit $500 Details Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 2.53% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
3 Month Certificate of Deposit	2.25%	2.28%	3 months
Min Deposit $500 Details Interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 2.28% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month Certificate of Deposit - Benefit Plus	1.00%	1.01%	24 months
Min Deposit $500 Details Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
30 Month Certificate of Deposit - Benefit Plus	1.00%	1.01%	30 months
Min Deposit $500 Details Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month Certificate of Deposit - Benefit Plus	1.00%	1.01%	36 months
Min Deposit $500 Details Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month Certificate of Deposit - Benefit Plus	1.00%	1.01%	48 months
Min Deposit $500 Details Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month Certificate of Deposit - Benefit Plus	1.00%	1.01%	60 months
Min Deposit $500 Details Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
18 Month Certificate of Deposit - Benefit Plus	0.95%	0.95%	18 months
Min Deposit $500 Details Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month Certificate of Deposit - Benefit Plus	0.85%	0.85%	12 months
Min Deposit $500 Details Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month Certificate of Deposit	0.75%	0.75%	24 months
Min Deposit $500 Details Interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
30 Month Certificate of Deposit	0.75%	0.75%	30 months
Min Deposit $500 Details Interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month Certificate of Deposit	0.75%	0.75%	36 months
Min Deposit $500 Details Interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month Certificate of Deposit	0.75%	0.75%	48 months
Min Deposit $500 Details Interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month Certificate of Deposit	0.75%	0.75%	60 months
Min Deposit $500 Details Interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
18 Month Certificate of Deposit	0.70%	0.70%	18 months
Min Deposit $500 Details Interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month Certificate of Deposit - Benefit Plus	0.70%	0.70%	6 months
Min Deposit $500 Details Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month Certificate of Deposit	0.60%	0.60%	12 months
Min Deposit $500 Details Interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month Great Start CD for Kids	0.60%	0.60%	12 months
Min Deposit $500 Min Balance $100 Details Minimum daily balance $100 to earn APY; Under age 18 eligible; adult co-owner required for minors under 16 Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month Certificate of Deposit	0.45%	0.45%	6 months
Min Deposit $500 Details Interest compounded daily; penalties apply for early withdrawal Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Bangor Savings Bank Savings Rates

Product	Rate	APY
Market Rate Savings	0.40%	0.40%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Market Rate Savings	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Market Rate Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Market Rate Savings	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Savings	0.05%	0.05%
Min Deposit $25 Min Balance $25 Details Balance: $25 - $999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Savings	0.05%	0.05%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Savings	0.05%	0.05%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Savings	0.05%	0.05%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Great Start Savings for Kids	0.05%	0.05%
Min Deposit $1 Min Balance $0 Details Balance: 0 - $999.99; Under age 18 eligible; adult co-owner required for minors under 16 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Bangor Savings Bank Money Market Rates

Product	Rate	APY
Benefit Money Market	0.60%	0.60%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Money Market	0.50%	0.50%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Money Market	0.45%	0.45%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Money Market	0.25%	0.25%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Bangor Savings Bank Business Money Market Rates

Product	Rate	APY
Business Complete Money Market	0.60%	0.60%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Business Complete Money Market	0.50%	0.50%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Business Complete Money Market	0.45%	0.45%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Business Complete Money Market	0.25%	0.25%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Bangor Savings Bank Checking Rates

Product	Rate	APY	View More
Benefit Plus Checking	0.05%	0.05%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000.00 and over Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Bangor Savings Bank Home Equity & HELOC

Product	Rate	Points	APR
Benefit Home Equity Variable	7.00%	-	7.00%
Details Credit Score: 780+; Rate: 7.000% (Prime); Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Maximum APR: 18.000%; Variable rate tied to WSJ highest domestic Prime Rate plus margin; Minimum credit advance $250; Ten-year advance period followed by a 15-year principal and interest repayment Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Flex - Credit Score 780+	7.125%	-	7.125%
Details Credit Score: 780+; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; 3-year draw period followed by 10-year repayment Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.13% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Blend	7.25%	-	7.25%
Details Credit Score: 780+; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Fixed for 36 months then variable (WSJ Prime) Last Updated 10/20/2026 Rate History No change since Sep 15, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Variable	7.25%	-	7.25%
Details Credit Score: 740-779; Rate: 7.250% (Prime + 0.25%); Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Maximum APR: 18.000%; Variable rate tied to WSJ highest domestic Prime Rate plus margin; Minimum credit advance $250; Ten-year advance period followed by a 15-year principal and interest repayment Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Fixed	7.375%	-	7.375%
Details Credit Score: 780+; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Seven-year advance period followed by a 15-year principal and interest repayment; Minimum credit advance $250 Last Updated 10/20/2026 Rate History No change since Sep 15, 2026 · 7.38% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Flex - Credit Score 740-779	7.375%	-	7.375%
Details Credit Score: 740-779; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; 3-year draw period followed by 10-year repayment Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Blend	7.50%	-	7.50%
Details Credit Score: 740-779; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Fixed for 36 months then variable (WSJ Prime) Last Updated 10/20/2026 Rate History No change since Sep 15, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Variable	7.50%	-	7.50%
Details Credit Score: 700-739; Rate: 7.500% (Prime + 0.50%); Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Maximum APR: 18.000%; Variable rate tied to WSJ highest domestic Prime Rate plus margin; Minimum credit advance $250; Ten-year advance period followed by a 15-year principal and interest repayment Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Fixed	7.625%	-	7.625%
Details Credit Score: 740-779; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Seven-year advance period followed by a 15-year principal and interest repayment; Minimum credit advance $250 Last Updated 10/20/2026 Rate History No change since Sep 15, 2026 · 7.63% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Flex - Credit Score 700-739	7.625%	-	7.625%
Details Credit Score: 700-739; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; 3-year draw period followed by 10-year repayment Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Blend	7.75%	-	7.75%
Details Credit Score: 700-739; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Fixed for 36 months then variable (WSJ Prime) Last Updated 10/20/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Variable	7.75%	-	7.75%
Details Credit Score: 680-699; Rate: 7.750% (Prime + 0.75%); Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Maximum APR: 18.000%; Variable rate tied to WSJ highest domestic Prime Rate plus margin; Minimum credit advance $250; Ten-year advance period followed by a 15-year principal and interest repayment Last Updated 10/20/2026 Rate History 1 change since Sep 18, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Sep 24, 20267.75%▲ from 7.50% Sep 18, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Fixed	7.875%	-	7.875%
Details Credit Score: 700-739; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Seven-year advance period followed by a 15-year principal and interest repayment; Minimum credit advance $250 Last Updated 10/20/2026 Rate History No change since Sep 15, 2026 · 7.88% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Flex - Credit Score 680-699	7.875%	-	7.875%
Details Credit Score: 680-699; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; 3-year draw period followed by 10-year repayment Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Blend	8.00%	-	8.00%
Details Credit Score: 680-699; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Fixed for 36 months then variable (WSJ Prime) Last Updated 10/20/2026 Rate History 1 change since Sep 15, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Sep 24, 20268.00%▲ from 7.75% Sep 15, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Benefit Home Equity Fixed	8.125%	-	8.125%
Details Credit Score: 680-699; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%; Seven-year advance period followed by a 15-year principal and interest repayment; Minimum credit advance $250 Last Updated 10/20/2026 Rate History 1 change since Sep 15, 2026 · 7.88% → 8.13% ▲ 0.25 pts · high 8.13% / low 7.88% Sep 24, 20268.13%▲ from 7.88% Sep 15, 20267.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Bangor Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term
Investment Property Equity Line of Credit	9.00%	-	9.00%
Details Rate: 9.000% (Prime + 2.00%); APR: 9.000% (Prime + 2.00%); Loan Amount >=$10,000; Collateral Type: Investment Property (60% LTV) Max $250,000; Draw period 10 years, followed by 15-year principal and interest repayment; Early Termination Fee of $450 if terminated within first 36 months (12 months for Rhode Island); Minimum credit advance $250; Non-owner-occupied 1-4 family residences; Rates accurate as of October 1, 2026 Last Updated 10/20/2026 Rate History 1 change since Sep 18, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Sep 24, 20269.00%▲ from 8.75% Sep 18, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 12 Months	0.60%	-	0.60%	12 months
Min Deposit $500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 12 Months - Benefit Plus	0.85%	-	0.85%	12 months
Min Deposit $500 Details Benefit Plus Customers Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 18 Months	0.70%	-	0.70%	18 months
Min Deposit $500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 18 Months - Benefit Plus	0.95%	-	0.95%	18 months
Min Deposit $500 Details Benefit Plus Customers Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 24 Months	0.75%	-	0.75%	24 months
Min Deposit $500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 24 Months - Benefit Plus	1.00%	-	1.01%	24 months
Min Deposit $500 Details Benefit Plus Customers Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 3 Months	2.25%	-	2.28%	3 months
Min Deposit $500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 2.28% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 3 Months - Benefit Plus	2.50%	-	2.53%	3 months
Min Deposit $500 Details Benefit Plus Customers Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 2.53% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 30 Months	0.75%	-	0.75%	30 months
Min Deposit $500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 30 Months - Benefit Plus	1.00%	-	1.01%	30 months
Min Deposit $500 Details Benefit Plus Customers Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 36 Months	0.75%	-	0.75%	36 months
Min Deposit $500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 36 Months - Benefit Plus	1.00%	-	1.01%	36 months
Min Deposit $500 Details Benefit Plus Customers Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 48 Months	0.75%	-	0.75%	48 months
Min Deposit $500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 48 Months - Benefit Plus	1.00%	-	1.01%	48 months
Min Deposit $500 Details Benefit Plus Customers Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 6 Months	0.45%	-	0.45%	6 months
Min Deposit $500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 6 Months - Benefit Plus	0.70%	-	0.70%	6 months
Min Deposit $500 Details Benefit Plus Customers Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 60 Months	0.75%	-	0.75%	60 months
Min Deposit $500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate of Deposit - 60 Months - Benefit Plus	1.00%	-	1.01%	60 months
Min Deposit $500 Details Benefit Plus Customers Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA)	0.10%	-	0.10%
Min Deposit $25 Min Balance $0 Details Balance: 0 - $24.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA)	0.15%	-	0.15%
Min Deposit $25 Min Balance $25 Details Balance: $25 - $4,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA)	0.15%	-	0.15%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA)	0.25%	-	0.25%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA)	0.40%	-	0.40%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA)	0.45%	-	0.45%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Individual Retirement Account (IRA)	0.50%	-	0.50%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

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

Bangor Savings Bank’s Texas Ratio rose from 2.55% in Q3 2023 to 4.53% 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 2.7 to 5.0 and its Health Grade from C 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	$7.7B	4.53%	5.0	A+
March 31, 2026	$7.4B	4.34%	5.0	A+
December 31, 2025	$7.4B	3.59%	5.0	A+
September 30, 2025	$7.3B	2.42%	4.7	A
June 30, 2025	$7.3B	7.17%	4.4	A-
March 31, 2025	$7.2B	1.78%	4.3	A-
December 31, 2024	$7.2B	2.27%	3.9	B+
September 30, 2024	$7.2B	1.56%	4.3	A-
June 30, 2024	$7.2B	2.14%	3.7	B
March 31, 2024	$7.2B	2.30%	3.6	B
December 31, 2023	$7.3B	2.06%	3.6	B
September 30, 2023	$7.3B	2.55%	2.7	C

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 Bangor Savings 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 Bangor Savings 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 Bangor Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bangor Savings Bank

Website https://www.bangor.com

Address 24 Hamlin Way, Bangor, ME 04401 · Penobscot

Bank Holding Company BANGOR BCORP MHC

FDIC Certificate # 18408

Regulator FDIC

Established February 14, 1852

FDIC Insurance Date July 1, 1961

Domestic Offices 72

Total Branches 73

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

4.53%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.3737%

Return on Equity (ROE)

5.2600%

Non-Performing Loans Ratio (NPL)

0.32%

Total Assets

$7,739,717,000

Total Deposits

$5,722,766,000

Equity Capital

$539,601,000

Net Income

$14,025,000

Headquarters

Bangor

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Bangor Savings Bank 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Bangor Savings Bank

Does Bangor Savings Bank offer CDs?

Yes. Bangor Savings Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Bangor Savings Bank FDIC insured?

Yes. Bangor Savings Bank 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 Bangor Savings Bank?

The highest CD rate MonitorBankRates has verified for Bangor Savings Bank is 4.00% APY on its 39-Months 39-Month Special CD - Benefit Plus, as of October 20, 2026.

What CD terms does Bangor Savings Bank offer?

The Bangor Savings Bank CD terms we track include 12 month, 15 month, 18 month, 2 year, 3 year, 39 month, 4 year, 54 month and 5 year terms, with rates from 3.75% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Bangor Savings Bank for its full lineup.

What is the highest savings rate at Bangor Savings Bank?

The highest savings rate MonitorBankRates has verified for Bangor Savings Bank is 0.40% APY on its Market Rate Savings, as of October 20, 2026.

What is the highest money market rate at Bangor Savings Bank?

The highest money market rate MonitorBankRates has verified for Bangor Savings Bank is 0.60% APY on its Benefit Money Market, as of October 20, 2026.

What is the highest checking rate at Bangor Savings Bank?

The highest checking rate MonitorBankRates has verified for Bangor Savings Bank is 0.05% APY on its Benefit Plus Checking, as of October 20, 2026.

How many branches does Bangor Savings Bank operate?

Bangor Savings Bank currently maintains approximately 73 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, Bangor Savings 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, Bangor Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Bangor Savings Bank offer online and mobile banking?

Most modern institutions like Bangor Savings 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.bangor.com.

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 Bangor Savings Bank rates compare?

Bangor Savings Bank's top rates are 4.00% APY on its 39-Months 39-Month Special CD - Benefit Plus, 0.40% APY on savings, 0.60% APY on money market and 0.05% APY on checking, verified by MonitorBankRates on October 20, 2026. To compare Bangor Savings Bank with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.

Current Bangor Savings Bank Rates

12-Month CD0.60%
18-Month CD0.70%
24-Month CD0.75%
36-Month CD0.75%
48-Month CD0.75%
60-Month CD0.75%
Savings0.40%
MMA0.60%

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

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Bangor Savings Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bangor Savings Bank Texas Ratio

Bangor Savings Bank Health Trend

Bangor Savings Bank CD Rates

Bangor Savings Bank Savings Rates

Bangor Savings Bank Money Market Rates

Bangor Savings Bank Business Money Market Rates

Bangor Savings Bank Checking Rates

Bangor Savings Bank Home Equity & HELOC

Bangor Savings Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Bangor Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bangor Savings Bank

Does Bangor Savings Bank offer CDs?

Are CDs from Bangor Savings Bank FDIC insured?

What is the highest CD rate at Bangor Savings Bank?

What CD terms does Bangor Savings Bank offer?

What is the highest savings rate at Bangor Savings Bank?

What is the highest money market rate at Bangor Savings Bank?

What is the highest checking rate at Bangor Savings Bank?

How many branches does Bangor Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bangor Savings Bank 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 Bangor Savings Bank rates compare?

Current Bangor Savings Bank Rates

Compare to Other Banks