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Bar Harbor Bank & Trust is an FDIC insured institution headquartered at
82 Main St, Bar Harbor, ME 04609.
It was founded in
1887 and has approximately $5 billion in assets. Customers can open an account at one of its 50 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.01% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
5 Mo CD
|
2.75% | $500 | Compare |
|
6 Mo CD
|
0.20% | $10,000 | Compare |
|
9 Mo CD
|
3.50% | $500 | Compare |
|
12 Mo CD
|
0.25% | $10,000 | Compare |
|
13 Mo CD
|
3.30% | $500 | Compare |
|
18 Mo CD
|
0.25% | $10,000 | Compare |
|
24 Mo CD
|
0.35% | $10,000 | Compare |
|
30 Mo CD
|
0.35% | $10,000 | Compare |
|
36 Mo CD
|
0.45% | $10,000 | Compare |
|
48 Mo CD
|
0.50% | $10,000 | Compare |
|
60 Mo CD
|
0.65% | $10,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.01% | $2,500 | Compare |
|
Money Market
|
0.01% | $10,000 | Compare |
|
Money Market
|
0.05% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.01% | $1 |
|
INTCK
|
0.01% | $2,500 |
| Fund home improvements, debt consolidation, major expenses, & more | $0 |
|
Intro APR: 6.540 %
After Intro:6.540 % Intro Period: 6 months |
$5,000 |
|
Intro APR: 6.823 %
After Intro:6.823 % |
$25,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
|
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
|
Intro APR: 7.375 %
After Intro:7.375 % Intro Period: 7 months |
$25,000 |
| HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online. | $0 |
CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-07-21 |
Unlock Your Home's Potential | $0 |
| Cash in with a HELOC | $0 |
AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-07-21 |
Use Home Equity to get cash you need | $0 |
Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-07-21 |
Get cash now in exchange for a percentage of your homes future equity. | $0 |
Spring EQ NMLS ID: 1464945 / Updated 2026-07-21 |
The leader for homeowners tapping cash from their homes since 2016. | $0 |
| 6.223% |
$1,919
Fees & Points
$7,699 Total
1.000 Pts ($3,200) $4,499 Fees |
Optimum First Mortgage NMLS ID: 240415 |
6.272% |
$1,945
Fees & Points
$5,013 Total
0.943 Pts ($3,018) $1,995 Fees |
Farmers Bank of Kansas City NMLS ID: 613839 |
6.341% |
$1,971
Fees & Points
$3,067 Total
0.710 Pts ($2,272) $795 Fees |
Copperstate Home Loans NMLS ID: 1982090 |
6.369% |
$1,971
Fees & Points
$4,159 Total
0.875 Pts ($2,800) $1,359 Fees |
iheartloan Inc. NMLS ID: 2562839 |
6.373% |
$1,945
Fees & Points
$8,481 Total
1.000 Pts ($3,200) $5,281 Fees |
Basis Lending, LLC NMLS ID: 2463124 |
6.409% |
$1,971
Fees & Points
$5,514 Total
0.625 Pts ($2,000) $3,515 Fees |
Barrett Financial NMLS ID: 181106 |
6.415% |
$1,971
Fees & Points
$5,595 Total
0.875 Pts ($2,800) $2,795 Fees |
| 6.454% |
$1,997
Fees & Points
$2,768 Total
0.537 Pts ($1,718) $1,050 Fees |
Valley West Mortgage NMLS ID: 65506 |
6.479% |
$1,997
Fees & Points
$3,575 Total
0.750 Pts ($2,400) $1,175 Fees |
Simply PMG NMLS ID: 133739 |
6.484% |
$1,997
Fees & Points
$3,666 Total
0.741 Pts ($2,371) $1,295 Fees |
Watermark Home Loans NMLS ID: 1838 |
6.489% |
$1,997
Fees & Points
$3,923 Total
0.717 Pts ($2,294) $1,629 Fees |
Loansteady NMLS ID: 1701910 |
6.491% |
$1,997
Fees & Points
$3,895 Total
0.750 Pts ($2,400) $1,495 Fees |
| 6.495% |
$1,997
Fees & Points
$4,276 Total
0.950 Pts ($3,040) $1,236 Fees |
Mutual of Omaha Mortgage NMLS ID: 1025894 |
6.519% |
$1,971
Fees & Points
$9,133 Total
0.729 Pts ($2,333) $6,800 Fees |
| 6.555% |
$2,021
Fees & Points
$2,173 Total
0.679 Pts ($2,173) $0 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
6.557% |
$2,021
Fees & Points
$2,221 Total
0.694 Pts ($2,221) $0 Fees |
Northpointe Bank NMLS ID: 447490 |
6.587% |
$2,021
Fees & Points
$3,225 Total
0.572 Pts ($1,830) $1,395 Fees |
Allied Mortgage Group, Inc. NMLS ID: 1067 |
6.808% |
$2,076
Fees & Points
$1,901 Total
0.594 Pts ($1,901) $0 Fees |
|
Fees & Points
Total
Pts ($0) $0 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
Fees & Points
Total
Pts ($0) $0 Fees |
Veterans United Home Loans NMLS ID: 1907 |
Fees & Points
Total
Pts ($0) $0 Fees |
Allied Mortgage Group, Inc. NMLS ID: 1067 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 11971 |
| Date Established | 1887 |
| Assets | $ 4.68 billion |
| Loans | $ 3.58 billion |
| Deposits | $ 3.83 billion |
| Capital | $ 573.30 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 79.53 million |
| Interest-bearing balances | $ 35.89 million |
| Total securities | $ 597.42 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 3.58 billion |
| Loan loss allowance | $ 34.05 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 161.55 million |
| All other assets | $ 176.08 million |
| Total Assets | $ 4.11 billion |
| LIABILITIES | |
| Total deposits | $ 3.83 billion |
| Interest-bearing deposits | $ 3.15 billion |
| Deposits held in domestic offices | $ 3.83 billion |
| % insured (estimated)" | 81.31% |
| Federal funds purchased and repurchase agreements | $ 4.80 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 98.59 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 61.27 millionn |
| Total Liabilities | $ 4.11 billion |
| Shareholders’ Equity | $ 573.30 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 209.09 million |
| Total Interest Expense | $ 70.47 million |
| Net interest income | $ 138.61 million |
| Provision for loan and lease losses | $ 6.22 million |
| Total non interest income | $ 39.72 million |
| Total non interest expense | $ 111.07 million |
| Pre-tax Net Operating Income | $ 27.11 million |
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