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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of November 1, 2018. Fees may reduce earnings. Rates are subject to change without notice. Contact Bangor Federal to request further information concerning the fees and terms applicable to the advertised accounts.  

Kasasa Cash*Learn More

Balance Rate APY
0 - $10,000 2.95% 3.00%
$10,000+ 0.25% 3.00% to 0.50%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle: 

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking 

That’s it. Didn’t meet your qualifications? No worries. Your account is still free, and you still earn our base dividend rate. Then you can get back to earning your full rewards the very next month.

Kasasa Saver*Learn More

Balance Rate APY
0 - $20,000 0.75% 0.75%
$20,000+ 0.25% 0.75% to 0.33%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base dividend rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

Savings AccountsLearn More

Account Minimum to Open Minimum to Earn Dividends Rate APY
Regular Savings $5 $25 0.10% 0.10%
Club Accounts $0 $0 0.10% 0.10%
Health Savings Account $25 $0 0.10% 0.10%

Money Market AccountLearn More

Balance Minimum to Open Rate APY
$2,000 - $9,999.99 $2,000 0.45% 0.45%
$10,000 - $24,999.99 $2,000 0.50% 0.50%
$25,000+ $2,000 0.55% 0.55%

Dividend rate is paid based on the aggregate balance method

IRA SavingsLearn More

Balance Minimum to Open Rate APY
$25 - $9,999.99 $25 0.45% 0.45%
$10,000 - $24,999.99 $25 0.50% 0.50%
$25,000+ $25 0.55% 0.55%

Dividend rate is paid based on the aggregate balance method

Share & IRA CertificatesLearn More

Term Minimum to Open Rate APY
6 months (not available for IRA) $500 1.00% 1.00%
1 year (not available for IRA) $500 1.25% 1.26%
18 months (not available for IRA) $500 1.50% 1.51%
2 years $500 1.75% 1.76%
3 years $500  2.00% 2.02%
4 years $500 2.25% 2.27%
5 years $500  2.50% 2.53%
1 Year Super Saver Certificate (not available for IRA) $50 1.25% 1.26%

Dividend rates for Certificates and IRA Certificates are guaranteed from time of purchase to maturity. A penalty will be imposed if funds are withdrawn prior to maturity on all Certificates and IRA Certificates. Fees could reduce the earnings on the account. View Account Limitations below for more information on penalties pertaining to early withdrawal of certificates.

Jumbo Share & IRA CertificatesLearn More

Term Minimum to Open Rate APY
6 months (not available for IRA) $100,000 1.10% 1.11%
1 year (not available for IRA) $100,000 1.35% 1.36%
18 months (not available for IRA) $100,000 1.60% 1.61%
2 years $100,000 1.85% 1.87%
3 years $100,000 2.10% 2.12%
4 years $100,000 2.35% 2.38%
5 years $100,000 2.60% 2.63%

Dividend rates for Certificates and IRA Certificates are guaranteed from time of purchase to maturity. A penalty will be imposed if funds are withdrawn prior to maturity on all Certificates and IRA Certificates. Fees could reduce the earnings on the account. View Account Limitations below for more information on penalties pertaining to early withdrawal of certificates.

Loan Rates

Loan Type Maximum Term APR Payment per $1,000
New Autos (2016 and newer) up to 7 years as low as 2.75% $29.033
Used Autos (2010 - 2015) up to 6 years as low as 3.50% $29.384
Used Autos (2007 - 2009) up to 4 years as low as 5.99% $30.555
Recreational Vehicles & Others up to 10 years as low as 4.25% $18.596
Personal Loan up to 6 years as low as 8.50% $24.817
Personal Line of Credit1 n/a 8.50% $50/month or 2% of balance
Overdraft Line of Protection2 n/a 12.00% $50/month
Share Secured Loan - 100% up to 5 years 3% above Regular Savings $18.068

Membership eligibility is required for all loans. A one-time $5 membership fee will apply for new members. 
Maximum term is the maximum term available for each loan type.  It does not indicate the term eligible for the as low as rate.
All loans are subject to a minimum payment amount of $50.  Title and UCC fees will be charged when necessary.

1 Personal line of credit rate is subject to change quarterly and is 3.5% above the Prime Rate as shown in the Wall Street Journal (the 'Index').  Changes in your interest rate will be calculated using the Index figure available 45 days before each Change Date.  This figure rounded to the nearest .25% plus the applicable margin will be your new APR* effective on the next Change Date.  The prime rate was 5.00% APR* as of August 21, 2018.

2Overdraft Line of Protection advances have a fee of $2.50 per transfer when automatic transfers occur. No fee is charged when Online/Mobile Banking and/or in-person transfers occur.  

3 Term up to 36 months.  Estimated monthly payment is $29.03 per $1,000 borrowed.  We use risk-based pricing to determine the interest rate.  Actual rate will vary based on borrower's credit-worthiness and the selected term.

4 Term up to 36 months.  Estimated monthly payment is $29.38 per $1,000 borrowed.  We use risk-based pricing to determine the interest rate.  Actual rate will vary based on borrower's credit-worthiness and the selected term.

5 Term up to 36 months.  Estimated monthly payment is $30.55 per $1,000 borrowed.  We use risk-based pricing to determine the interest rate.  Actual rate will vary based on borrower's credit-worthiness and the selected term.

6 Term up to 60 months.  Estimated monthly payment is $18.59 per $1,000 borrowed.  We use risk-based pricing to determine the interest rate.  Actual rate will vary based on borrower's credit-worthiness and the selected term.

7 Term up to 48 months.  Estimated monthly payment is $24.81 per $1,000 borrowed.  We use risk-based pricing to determine the interest rate.  Actual rate will vary based on borrower's credit-worthiness and the selected term.

8 Term up to 60 months.  Estimated monthly payment is $18.06 per $1,000 borrowed.  Payment per $1,000 based on Regular Savings rate.

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