Compare Savings vs. CDs
Comparison of Deposit Account from Bar Harbor Bank & Trust with 3.50%
- September 2026
Long-Term Analysis of Bar Harbor Bank & Trust with 3.50% APY and Independent Bank with 2.38% APY
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
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- 1LOCAL CD3.50%-$50,0009 MonthBankN.A.$500SCENARIO
Year Rate
3.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,750 1,225 2 51,750 1,811 1,268 3 53,561 1,875 1,312 4 55,436 1,940 1,358 5 57,376 2,008 1,406 6 59,384 2,078 1,455 7 61,463 2,151 1,506 8 63,614 2,226 1,559 9 65,840 2,304 1,613 10 68,145 2,385 1,670 11 70,530 2,469 1,728 12 72,998 2,555 1,788 13 75,553 2,644 1,851 14 78,198 2,737 1,916 15 80,935 2,833 1,983 16 83,767 2,932 2,052 17 86,699 3,034 2,124 18 89,734 3,141 2,198 19 92,874 3,251 2,275 20 96,125 3,364 2,355 TOTAL $49,489 $34,643 - 2LOCAL MONEY MARKET2.38%-$50,000N.A.BankN.A.$250,000SCENARIO
Year Rate
2.38%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,190 833 2 51,190 1,218 853 3 52,408 1,247 873 4 53,656 1,277 894 5 54,933 1,307 915 6 56,240 1,339 937 7 57,579 1,370 959 8 58,949 1,403 982 9 60,352 1,436 1,005 10 61,788 1,471 1,029 11 63,259 1,506 1,054 12 64,764 1,541 1,079 13 66,306 1,578 1,105 14 67,884 1,616 1,131 15 69,500 1,654 1,158 16 71,154 1,693 1,185 17 72,847 1,734 1,214 18 74,581 1,775 1,243 19 76,356 1,817 1,272 20 78,173 1,861 1,302 TOTAL $30,034 $21,024
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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4.55% |
$500 |
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Last change: ↑0.51% on April 27. |
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4.55% |
$500 |
Learn More | |
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Last change: ↑0.50% on April 27. |
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4.55% |
$500 |
Learn More | |
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Last change: ↑0.48% on April 27. |
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