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Today’s Rates

CD & IRA Rates

Deposit at least $500 to open these accounts, unless otherwise indicated. You must maintain a minimum balance of $1 (unless otherwise noted) in the account each day to obtain the annual percentage yield. There may be penalties for early withdrawal.

Standard CD & IRA Rates

Account Rate
Sneakers CD ¹ 0.12% APY
91 Day CD / IRA 0.05% APY
18 Month CD / IRA 0.12% APY
1 Year CD / IRA 0.12% APY
2 Year CD / IRA 0.20% APY
3 Year CD / IRA 0.30% APY
3 1/2 Year CD / IRA 0.35% APY
4 Year CD / IRA 0.40% APY
5 Year CD / IRA 0.50% APY
5.5 Year CD 0.50% APY
5.75 Year CD 0.55% APY
6 Month CD / IRA 0.10% APY
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Special CD & IRA Rates

Account Rate
5 Month Savers CD ¹ 0.10% APY
1 Year Variable Rate IRA ¹ ² 0.05% APY
15 Month Opportunity CD / IRA 0.12% APY
30 Month Opportunity CD / IRA 0.25% APY
54 Month Opportunity CD / IRA 0.45% APY
The Nine Month No-Penalty CD 0.10% APY
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Laddered CD & IRA Rates

Account Rate
Laddered CD / IRA - 1 Year Rung 0.15% APY
Laddered CD / IRA - 2 Year Rung 0.23% APY
Laddered CD / IRA - 3 Year Rung 0.33% APY
Laddered CD / IRA - 4 Year Rung 0.43% APY
Laddered CD / IRA - 5 Year Rung 0.53% APY
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Savings Rates

Account Rate
Sneakers Savings ² 0.05% APY
Regular Savings Account ² 0.05% APY
Super Savings Account ² 0.05% APY
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Checking Rates

Account Rate
Health Savings ² 0.03% APY
Packard Advantage Checking ² ³ 0.07% APY
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Deposit rates effective: October 23, 2020.

  1. Indicates $100 minimum deposit required.
  2. For variable rate accounts, the rate may change after account opening.
  3. The monthly service charge may reduce earnings when balance falls below $1,000 on any day of the month, combined deposit relationship falls below $10,000 or a Bath Savings Trust relationship is not maintained.

Personal Loans

Credit Cards

Card Rate
MasterCard Classic 9.50% APY
MasterCard Platinum Rewards 11.50% APY
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Auto Loans (New to 10 years old)

Age of Auto Term Rate APR*
NEW to 10 Years 36 months 3.990% 4.156%
NEW to 7 Years 48 months 4.165% 4.292%
NEW to 5 Years 60 months 4.438% 4.541%
NEW to 3 Years 72 months 4.740% 4.827%
Example of a loan payment: 36 monthly payments of $295.20 — based on a loan amount of $10,000, at 3.990% interest rate, which equals $29.52 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Boat and RV Loans

Loan Amount Max Term Rate APR**
$5,000 - $10,000 48 months 7.125% 7.322%
$10,001 - $25,000 60 months 6.250% 6.313%
$25,001 - $50,000 120 months 6.000% 6.017%
$50,001 - $100,000 120 months 5.750% 5.758%
Example of a loan payment: 48 monthly payments of $240.04 — based on a loan amount of $10,000, at 7.125% interest rate, which equals $24.00 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Other Vehicle Loans (older autos, small boats, on & off street motorcycles, ATVs, snowmobiles and jet skis)

Loan Amount Max Term Rate APR*
< $2,500 24 months 7.740% 9.263%
$2,500 to $5,000 36 months 7.990% 8.509%
$5,001 to $7,500 48 months 8.165% 8.430%
$7,501 and over 60 months 8.438% 8.600%
Example of a loan payment: 24 monthly payments of $451.09 — based on a loan amount of $2,000, at 7.740% interest rate, which equals $45.11 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Deposit/Stock Loan

Loan Amount Max Term Rate APR*
Savings Secured 120 months 3.050% 3.130%
CD Secured 120 months 3.250% 3.330%
Stock Secured - 1 yr or less 12 months 3.750% 4.460%
Stock Secured - >1 yr 120 months 4.750% 4.832%
BSTC Stock Secured - 1 yr or less 12 months 3.250% 3.959%
BSTC Stock Secured - >1 yr 120 months 3.750% 3.831%
Example of a loan payment: 120 monthly payments of $96.79 — based on a loan amount of $10,000, at 3.050% interest rate, which equals $9.68 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Loan rates effective: October 26, 2020. Rates are subject to change at any time.

* Annual Percentage Rate (APR) is calculated using a $10,000 loan amount and includes an origination fee. Actual rates, fees and terms are based on those offered as of the date of application and are subject to change without notice. The actual interest rate and fees available to you will be based on your credit history and may be different from the rates shown here.

** Annual Percentage Rate (APR) is calculated using the highest amount in each tier (10k, 25k, 50k, or 100k) and includes an origination fee. Actual rates, fees and terms are based on those offered as of the date of application and are subject to change without notice. The actual interest rate and fees available to you will be based on your credit history and may be different from the rates shown here.