Rates
Biddeford Savings - A whole new equation 
- Online Banking
Online Banking: Safe, Secure and On Your Schedule
Biddeford Savings offers you a wide range of online products and services designed to make all your financial transactions simpler, easier and safer.
- Personal
- Business
- Enroll
- FinanceWorks
- Mortgage Web Center
- Personal Banking
Personal Banking: Treating Customers Like Owners
We approach personal banking a little differently. We truly value and appreciate every customer, and we treat every customer like an owner.
- Checking
- Savings
- Loans
- Insurance
- Customer Tools
- Business Banking
Business Banking: A Strong Commitment to Small Business Banking
We believe that a small business banking relationship is a two way street and that relationships should be long-term.
- Checking
- Savings
- Loans
- Merchant Card Services
- Payroll Services
- Insurance
- CheckSend
Rates
Personal Banking Rates
Savings, Certificates of Deposit, and IRAs Rates
Effective Date: February 5, 2012
Savings Account
| Minimum Average Balance to earn APY | Annual Percentage Yield |
| $100,000 or more | 0.60% |
| $25,000 to $99,999.99 | 0.45% |
| $10,000 to $24,999.99 | 0.35% |
| $2,500 to $9,999.99 | 0.25% |
| $0 to $2,499.99 | 0.20% |
This is a variable rate account and the Annual Percentage Yield may change at any time. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us.
Certificates of Deposit (CDs)
| Term | Minimum Deposit | Annual Percentage Yield |
| 91 Day | $1,500 | 0.20% |
| 6 Months | $1,500 | 0.30% |
| 1 Year | $1,500 | 0.40% |
| 2 Years | $1,500 | 0.70% |
| 3 Years | $1,500 | 0.80% |
| 4 Years | $1,500 | 1.21% |
| 5 Years | $1,500 | 1.51% |
The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us.
Individual Retirement Accounts (IRAs)
| Term | Minimum Deposit | Annual Percentage Yield |
| 1 Year | $500 | 0.40% |
| 2 Years | $500 | 0.70% |
| 3 Years | $500 | 0.80% |
| 4 Years | $500 | 1.21% |
| 5 Years | $500 | 1.51% |
The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity. A substantial penalty may be imposed for early withdrawal. These yields may be applied to either a Traditional or a Roth IRA. Ask your financial advisor about which may benefit you most. For more information on terms, rates, or products, please contact us.
Mortgage Rates
Click to visit our Mortgate Web Center.
Consumer Loan Rates
Home Equity Fixed Rate Loans
| Term | Interest Rate | Annual Percentage Rate | Monthly Payment Rate per $10,000 Borrowed |
| 10 Years | 6.25% | 6.25% | $111.03 |
| 15 Years | 6.75% | 6.75% | $87.13 |
For more information on terms, rates, or products, please contact one of our loan officers. Please use one of our calculators to figure your payment amount.
Home Equity Variable Rate Line of Credit
| Term | Interest Rate | Annual Percentage Rate | Monthly Payment Rate per $10,000 Borrowed |
| 10 Years 5 year draw period | 3.50% | 3.50% | Interest only or 1.5% of loan balance payable monthly |
Rates and points are subject to change at any time without notice. Property insurance is required. Rates are subject to change monthly, equal to the prime rate published in the Wall Street Journal plus a margin. Maximum annual percentage rate is 18%. You may be required to pay certain fees to third parties (for example,a title search, title insurance and a property appraisal). These fees generally cost between $0 and $500.
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