Checking and Saving Deposit Rates

Rates accurate as of Monday May 20, 2013


Checking	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 and $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: Make 12 or more purchases using your Bar Harbor Bank & Trust Visa® debit card (excludes pending and ATM transactions),Have at least one electronic (ACH) debit or credit on the account such as direct deposit or automatic bill pay, Log into Online Direct Internet Banking, Choose e-Statements
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Savings	Minimum to open	APY*
Statement Savings	$25.00	0.07%
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Club Account	Minimum to open	APY*
Transfer	$2.00	0.07%
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Certificate of Deposit Specials (BHBT checking account required)	Minimum to open	APY*
14 Month with Checking Account	$1,000.00	0.30%
23 Month with Checking Account	$1,000.00	0.40%
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Certificates of Deposit	Minimum to open	APY*
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	0.27%
24 - 29 Months	$500.00	0.30%
30 - 35 Months	$500.00	0.37%
36 - 47 Months	$500.00	0.47%
48 - 59 Months	$500.00	0.70%
60 Months and Over	$500.00	1.20%
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Health Savings 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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Individual Retirement Accounts	Minimum to open	APY*
14 Month Special with Checking Account	$100.00	0.30%
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	0.48%
48 - 59 Months	$100.00	0.83%
60 Months and Over	$100.00	1.33%
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Investors Choice	Minimum to open	APY*
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	$2,500.00	0.05%
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*Annual Percentage Yield

Note: Checking account fees 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 Direct (207) 667-7100 • 1-888-853-7100 (Toll Free)