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Lending Rates: Deposit Rates:

Mortgage    (print)
We now offer online mortgage applications and pre-approvals at BangorMortgage.com. For current rates, more information on our mortgage products, handy financial calculators, and research to help you make an informed decision, visit BangorMortgage.com today.

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Equity Plus Fixed Rate Line of Credit    (print)
Equity Plus is one of the few equity programs offering a fixed rate for the life of the loan.  And because it's a line of credit, not just a loan, you have access to cash whenever you need it.   Other advantages include easy terms, fast approval, lines as low as $10,000 and the ability to borrow up to 90% of your homes equity. For additional information email us at Lending@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Equity Plus Annual Percentage Rate Line Amount Maximum
Loan to Value
Standard Benefit Plus
7.750% 7.250% 10,000-250,000 90%
7.500% 7.000% 10,000- 250,000 85%
7.250% 6.750% 10,000- 500,000 80%

Other fixed rates, line amounts and the ability to borrow up to 90% of your home's value are available. Interest rates and terms are subject to change without notice. No closing costs on lines up to $250,000 unless appraisal is required. All loans are subject to credit approval by Bangor Savings Bank. Interest rates and annual percentage rates are accurate as of 2 May 2008.

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Equity Reserve® Variable Rate Home Equity Line    (print)

Tap into the equity in your home at competitive rates to fund home improvements, vacations, education, investments, taxes and more. Use it over and over again-even if your first mortgage is not with us. For additional information email us at Lending@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Equity Reserve Annual Percentage Rate Line Amount Maximum
Loan to Value
Standard Benefit Plus
5.75% (Prime+.75) 5.25% (Prime+.25) 10,000-250,000 90%
5.50% (Prime+.50) 5.00% (Prime) 10,000-250,000 85%
5.25% (Prime+.25) 4.75% (Prime-.25) 10,000-500,000 80%

Interest rates and terms are subject to change without notice. No closing costs on lines up to $250,000 unless appraisal is required. All loans are subject to credit approval by Bangor Savings Bank. Rates are subject to change after closing. The maximum annual percentage rate that may be imposed is 18.000%. Interest rates and annual percentage rates are accurate as of 2 May 2008

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Auto Rates    (print)
Get the best possible deal on the car or truck of your choice. We offer loans for new or used autos through Maine dealers or at any local Bangor Savings Bank branch. For auto loan rates, call us at 1 877-Bangor1 (1 877-226-4671).

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Business Complete Money Market Account    (print)

What every small business needs: the ultimate in financial flexibility and high-yield returns. To learn more about our Business Money Market product click here, call your local branch, email us at CustomerService@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Balance Tiers Interest Rate* Annual Percentage Yield*
0 - $4,999.99 0.00% 0.00%
$5,000 - $9,999.99 0.50% 0.50%
$10,000 - $24,999.99 0.50% 0.50%
$25,000 - $49,999.99 1.49% 1.50%
$50,000 and over 1.98% 2.00%

*Interest rates and annual percentage yields are accurate as of 2 May 2008. Annual percentage yields assume interest remains on deposit. The rates may change after the account is opened. Fees may reduce earnings on the account. Business Complete Money Market account requires a $5,000 minimum opening deposit.

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Business Premium Money Market Account    (print)

What every small business needs: the ultimate in financial flexibility and high-yield returns. To learn more about our Business Premium Money Market product click here, call your local branch, email us at CustomerService@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Balance Tiers Interest Rate* Annual Percentage Yield*
0 - $4,999.99 0.00% 0.00%
$5,000 - $49,999.99 0.50% 0.50%
$50,000 - $99,999.99 1.73% 1.75%
100,000 and over 1.73% 1.75%

*Interest rates and annual percentage yields are accurate as of 2 May 2008.  Annual percentage yields assume interest remains on deposit. The rates may change after the account is opened. Fees may reduce earnings on the account. Business Premium Money Market account requires a $50,000 minimum opening deposit.

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Great Start Savings Account    (print)

A special savings plan for individuals 18 years or younger. To learn more about our Great Start Savings Plan click here, call your local branch, email us at CustomerService@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Balance Tiers Interest Rate* Annual Percentage Yield*
0 - $999.99 0.30% 0.30%
$1,000 - $4,999.99 0.30% 0.30%
$5,000 - $24,999.99 0.60% 0.60%
$25,000 and over 0.85% 0.85%

*Interest rates and annual percentage yields are accurate as of 2 May 2008.  Annual percentage yeilds assume interest remains on deposit. The rates may change after the account is opened. Fees may reduce earnings on the account. Great Start Savings Savings accounts require a $1 minimum opening deposit.

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Benefit Savings    (print)

A low minimum balance and daily compounding make it easy to save. To learn more about our Benefit Savings product click here, call your local branch, email us at CustomerService@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Balance Tiers Interest Rate* Annual Percentage Yield*
0 - $24.99 0.00% 0.00%
$25 - $999.99 1.00% 1.01%
$1,000 - $4,999.99 1.00% 1.01%
$5,000 - $24,999.99 1.49% 1.50%
$25,000 and over 1.49% 1.50%

*Interest rates and annual percentage yields are accurate as of 2 May 2008. Annual percentage yields assume interest remains on deposit. The rates may change after the account is opened. Fees may reduce earnings on the account. Benefit Savings accounts require a $25 minimum opening deposit.

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Benefit Money Market Account    (print)

To learn more about our Benefit Money Market product click here, call your local branch, email us at CustomerService@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Balance Tiers Interest Rate* Annual Percentage Yield*
0 - $4,999.99 0.00% 0.00%
$5,000 - $24,999.99 0.50% 0.50%
$25,000 - $49,999.99 1.88% 1.90%
$50,000 - $99,999.99 1.98% 2.00%
$100,000 - $249,999.99 1.98% 2.00%
$250,000 and over 1.98% 2.00%

*Interest rates and annual percentage yields are accurate as of 2 May 2008.  Annual percentage yields assume interest remains on deposit. The rates may change after the account is opened. Fees may reduce earnings on the account. Benefit Money Market account requires a $25,000 minimum opening deposit.

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Regular Statement Savings    (print)

A low minimum balance and daily compounding make it easy to save. To learn more about our statement savings product click here, call your local branch, email us at CustomerService@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Balance Tiers Interest Rate* Annual Percentage Yield*
0 - $24.99 0.00% 0.00%
$25 - $999.99 0.30% 0.30%
$1,000 - $4,999.99 0.30% 0.30%
$5,000 - $24,999.99 0.60% 0.60%
$25,000 and over 0.85% 0.85%

*Interest rates and annual percentage yields are accurate as of 2 May 2008.  Annual percentage yields assume interest remains on deposit. The rates may change after the account is opened. Fees may reduce earnings on the account. Regular Statement savings accounts require a $25 minimum opening deposit.

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Personal Market Rate Statement Savings    (print)

Enjoy easy access to your money while earning competitive interest rates. To learn more about our market rate statement savings product, call your local branch, email us at CustomerService@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Balance Tiers Interest Rate* Annual Percentage Yield*
0 - $4,999.99 0.00% 0.00%
$5,000 - $9,999.99 0.70% 0.70%
$10,000 - $24,999.99 0.75% 0.75%
$25,000 - $49,999.99 0.90% 0.90%
$50,000 and over 1.34% 1.35%

*Interest rates and annual percentage yields are accurate as of 2 May 2008.  Annual percentage yields assume interest remains on deposit. The rates may change after the account is opened. Fees may reduce earnings on the account. Personal Market Rate Statement Savings accounts require a $5,000 minimum opening deposit.

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Market Rate IRAs    (print)

Enjoy easy access to your money while earning competitive interest rates. To learn more about our market rate IRA product, call your local branch, email us at CustomerService@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Balance Tiers Interest Rate* Annual Percentage Yield*
0 - $24.99 0.00% 0.00%
$25 - $4,999.99 1.00% 1.01%
$5,000. - $9,999.99 1.24% 1.25%
$10,000 - $24,999.99 1.49% 1.50%
$25,000 - $49,999.99 1.88% 1.90%
$50,000 - $99,999.99 1.88% 1.90%
$100,000 - and over 1.98% 2.00%

*Interest rates and annual percentage yields are accurate as of 2 May 2008.  Annual percentage yields assume interest remains on deposit. The rates may change after the account is opened. Fees may reduce earnings on the account. Market Rate IRAs require a $25 minimum opening deposit.

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CD Rates    (print)

To learn more about savings rates and the benefits of our BangorFirst Relationship Plans, call your local branch or email us at CustomerService@bangor.com or call 1 877-Bangor1 (1 877-226-4671).

Benefit Plus Customers
Term (months) Interest Rate* Annual Percentage Yield* Interest Rate* Annual Percentage Yield*
3 2.17% 2.19% 2.42% 2.45%
6 2.22% 2.25% 2.47% 2.50%
12** 2.27% 2.30% 2.52% 2.55%
18 2.32% 2.35% 2.57% 2.60%
24 2.36% 2.39% 2.61% 2.65%
30 2.95% 2.99% 3.20% 3.25%
36 2.95% 2.99% 3.20% 3.25%
48 3.43% 3.49% 3.68% 3.75%
60 3.19% 3.24% 3.44% 3.50%
Step Rate CDs
36 Step † 3.24% 3.50%
1st 6 mo. 2.71% 2.75% 2.96% 3.00%
2nd 6 mo. 2.90% 2.94% 3.15% 3.20%
3rd 6 mo. 3.09% 3.14% 3.34% 3.40%
4th 6 mo. 3.29% 3.34% 3.54% 3.60%
5th 6 mo. 3.48% 3.54% 3.73% 3.80%
6th 6 mo. 3.67% 3.74% 3.92% 4.00%
60 Step † 3.64% 3.90%
1st 12 mo. 2.95% 2.99% 3.20% 3.25%
2nd 12 mo. 3.19% 3.24% 3.44% 3.50%
3rd 12 mo. 3.43% 3.49% 3.68% 3.75%
4th 12 mo. 3.67% 3.74% 3.92% 4.00%
5th 12 mo. 4.63% 4.74% 4.88% 5.00%

*Interest rates and annual percentage yields are accurate as of 2 May 2008.  Annual percentage yields assume interest remains on deposit. Penalties may be imposed for early withdrawal. All terms require a $500 minimum opening deposit.
** This rate also applies to our Great Start CD.
† 36 Month Step - Funds can be withdrawn or the account can be closed, without penalty, during the 10-day grace period following each six-month period (also known as the Step anniversary dates). A written maturity notice will be sent only at the end of the 36-month term.
† 60 Month Step - Funds can be withdrawn or the account can be closed, without penalty, during the 10-day grace period following each annual anniversary date. A written maturity notice will be sent only at the end of the 60-month term.

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