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Certificates of Deposit

Effective Date: Friday, March 31, 2023

Certificate of Deposit Rates

Account TypeMinimum Opening BalanceInterest RateAnnual Percentage Yield
6 Month CD$500*0.20%0.20%
9 Month CD$500-24,999*0.25%0.25%
$25,000+*0.25%0.25%
1 Year CD$500*3.25%3.30%
18 Month Fixed Rate CD$500*0.30%0.30%
18 Month Variable Rate IRA CD$500**5.05%5.17%
2 Year CD$500*0.75%0.75%
3 Year CD$500*3.50%3.56%
4 Year CD$500*0.35%0.35%
5 Year CD$500*0.45%0.45%

*Minimum opening balance to obtain the Annual Percentage Yield (APY) is $500. The APY for the CD assumes interest will remain on deposit until maturity. A penalty may be charged for early withdrawal. A withdrawal will reduce earnings. Also available for IRAs with $500 minimum to open and obtain APY.

**Minimum opening balance to obtain the Annual Percentage Yield (APY) is $500. The APY for the IRA CD assumes interest will remain on deposit until maturity. A penalty may be charged for early withdrawal. A withdrawal will reduce earnings. Only available as an IRA.

Learn more about Certificates of Deposit.

Deposit Accounts

Checking Accounts

Effective Date: Friday, March 31, 2023

Checking Accounts Rates

Account TypeTierMinimum Balance to obtain Annual Percentage YieldInterest RateAnnual Percentage Yield
Preferred CheckingTier 1$0.00 - $24,999.990.10%0.10%
Preferred CheckingTier 2

$25,000.00 - $99,999.99

0.20%0.10% - 0.18%
Preferred CheckingTier 3$100,000.00 +0.10%0.18% - 0.15%
Community NOW (non-profits)$0.000.10%0.10%

Rates subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum balance is required to obtain APY on all deposit accounts.

Savings Accounts

Effective Date: Friday, March 31, 2023

Savings Accounts Rates

Account TypeTierMinimum Balance to obtain Annual Percentage YieldInterest RateAnnual Percentage Yield
Standard SavingsTier 1$0.00 - $4,999.990.01%0.01%
Standard SavingsTier 2$5,000.00+0.01%0.01%
Companion SavingsTier 1$0.00 - $4,999.990.05%0.05%
Companion SavingsTier 2$5,000.00 - $24,999.990.05%0.05%
Companion SavingsTier 3$25,000.00+0.10%0.10%
Community NOW (non-profits)$0.000.10%0.10%
Personal Money MarketTier 1$0.00 - $4,999.990.01%0.01%
Personal Money MarketTier 2$5,000.00 - $24,999.990.15%0.15%
Personal Money MarketTier 3$25,000.00 - $49,999.990.20%0.20%
Personal Money MarketTier 4$50,000.00 - $74,999.990.25%0.25%
Personal Money MarketTier 5$75,000.00 - $99,999.990.40%0.40%
Personal Money MarketTier 6$100,000+0.60%0.60%

Personal Flex Money Market Account

*New to Bank money only

Tier 1$0.00 - $99,999.990.25%0.25%

Personal Flex Money Market Account

*New to Bank money only

Tier 2$100,000.00+4.00%4.07%
Business SavingsTier 1$0.00 - $24,999.990.01%0.01%
Business SavingsTier 2$25,000.00 - $99,999.990.05%0.05%
Business SavingsTier 3$100,000+0.07%0.07%
Business Money Market AccountTier 1$0.00 - $4,999.990.01%0.01%
Business Money Market AccountTier 2$5,000.00 - $24,999.990.15%0.15%
Business Money Market AccountTier 3$25,000.00 - $49,999.990.20%0.20%
Business Money Market AccountTier 4$50,000.00 - $74,999.990.25%0.25%
Business Money Market AccountTier 5$75,000.00 - $99,999.990.40%0.40%
Business Money Market AccountTier 6$100,000+0.60%0.60%

Business Flex Money Market Account

*New to Bank money only

Tier 1$0.00 - $99,999.000.25%0.25%

Business Flex Money Market Account

*New to Bank money only

Tier 2$100,000.00+4.00%4.07%
Club Accounts**$0.000.05%0.05%
Health Savings AccountTier 1$0.00 - $4,999.990.10%0.10%
Health Savings AccountTier 2$5,000+0.10%0.10%
IRA Saver AccountTier 1$0 - $9,999.990.01%0.01%
IRA Saver AccountTier 2$10,000 - $19,999.990.01%0.01%
IRA Saver AccountTier 3$20,000 - $49,999.990.01%0.01%
IRA Saver AccountTier 4$50,000+0.01%0.01%

Rates subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum balance is required to obtain APY on all deposit accounts.

Learn more about Checking and Savings accounts.

Consumer Loans

Vehicle Loans*

Effective Date: Friday, March 31, 2023

Vehicle Loans*

Age (based on model year)TermRate

APR (Relationship pricing**)

RateAPR
New to 1 year old5 yrs7.00%7.94%8.50%9.56%
New to 1 year old4 yrs or less6.75%7.83%8.75%9.99%
2 - 3 years old5 yrs7.35%8.31%8.85%9.94%
2 - 3 years old4 yrs7.00%8.10%8.50%9.72%
2 - 3 years old3 yrs or less6.75%8.10%8.75%10.26%
4 - 5 years old4 yrs7.50%8.64%8.75%9.99%
4 - 5 years old3 yrs or less7.00%8.37%8.50%9.99%
6 - 7 years old3 yrs or less7.75%9.18%9.00%10.54%

*Processing Fee of $250.00 is charged on all consumer loans.

**Relationship pricing is defined as a client with year to date average collected deposit balances (combined) of $1,000 or greater.

Example of a typical new Vehicle loan: 36 monthly payments of $463.15 based on a $15,000 loan, at 7.00% which equals to $30.88 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Boats, Campers, Tractors, Motorcycles, ATV's, and Snowmobiles*

Effective Date: Friday, March 31, 2023

Boats, Campers†, Tractors, Motorcycles, ATV's, and Snowmobiles*

Age (based on model year)TermRate

APR(Relationship pricing**)

RateAPR
New to 1 year old5 yrs8.75%9.83%11.25%12.59%
New to 1 year old4 yrs or less8.50%9.72%11.00%12.47%
2 - 3 years old4 yrs9.00%10.27%11.50%13.03%
2 - 3 years old3 yrs or less8.50%9.99%11.00%12.74%
4 - 5 years old3 yrs or less9.50%11.08%12.00%13.86%

*Processing Fee of $250.00 is charged on all consumer loans.

**Relationship pricing is defined as a client with year to date average collected deposit balances (combined) of $1,000 or greater.

†Campers, for the purposes of lending, are defined as those vehicles which are towed behind another vehicle. Androscoggin Bank does not offer loan products for recreational vehicles with self-propelling engines (motor homes, etc.) If you have any questions about this designation, please ask your lending professional.

Example of a typical Recreational Vehicle loan: 36 monthly payments of $475.25 based on a $15,000 loan, at 8.75% which equals to $31.69 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Savings Secured Loans*

Effective Date: Friday, March 31, 2023

Savings Secured Loan*

TermRateAPRRateAPR
Maximum of 5 yrsSavings/CD Rate plus 3.00%4.32%N/AN/A

This is a variable rate product. Loan term must be equal to or shorter than the CD term.

*Processing Fee of $95.00 is charged on all consumer loans.

Example of a typical Savings Secured loan: 36 monthly payments of $89.00 based on a $3,000 loan, at 4.32% which equals to $29.67 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Personal Unsecured Loans*

Effective Date: Friday, March 31, 2023

Personal Unsecured Loan*

TermRateAPR
Maximum of 3 years14.50%16.79%

Maximum loan amount $5,000.

*Processing Fee of $95.00 is charged on all consumer loans.

Example of a typical Personal Loan: 36 monthly payments of $103.26 based on a $3,000 loan, at 14.50% which equals to $34.42 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Learn more about Consumer Loans.