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CDs & IRAs


Certificates of Deposit

We know that flexibility is important to our customers. That's why we offer certificates with terms from seven days to five years. And with a minimum deposit of just $500.00, more people can take advantage of our great rates.

Our competitive interest rates on our certificates of deposits are compounded daily.

Our INVESTORS CHOICE certificate gives our customers another important option: a onetime chance to increase the rate to the current two-year rate offered by the bank for the remaining term of the certificate.

We also offer IRA banking services to our customers.  All rates on our certificates of deposit are applicable to certificate of deposit investments into IRAs as well.   Our traditional, Roth IRA’s and Education Savings allow you to save for your financial goals.

In addition, we can help you roll-over your other IRA(s) and 401(k) accounts to your Damariscotta Bank & Trust Co. IRA if you are seeking consolidation.

Click here to see our current rates!