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Deposit Rates

Rates are effective March 18, 2010

** HarborOne Promotional Products are indicated in Red **

Limited Time Offers
Term Minimum Opening Deposit Certificate/IRA Minimum Balance To Earn Interest Interest Rate Annual Percentage Yield (APY)*
10 Month IRA CD $1,000 / $500 $0.01 1.39% 1.40%
30 Month IRA CD $1,000 / $500 $0.01 2.13% 2.15%
36 Month IRA CD $1,000 / $500 $0.01 2.37% 2.40%
48 Month IRA CD $1,000 / $500 $0.01 2.86% 2.90%
60 Month IRA CD $1,000 / $500 $0.01 3.10% 3.15%
20 Month Bump-Up $1,000 / $500 $0.01 1.14% 1.15%
Advantage Gold Certificate of Deposit
Term Minimum Opening Deposit Certificate/IRA Minimum Balance To Earn Interest Interest Rate Annual Percentage Yield (APY)*
10 Months $1,000 / $500 $0.01 1.39% 1.40%
30 Months $1,000 / $500 $0.01 2.13% 2.15%
36 Months $1,000 / $500 $0.01 2.37% 2.40%
48 Months $1,000 / $500 $0.01 2.86% 2.90%
60 Months $1,000 / $500 $0.01 3.10% 3.15%
Certificates of Deposits or IRA CDs
Term Minimum Opening Deposit Certificate/IRA Minimum Balance To Earn Interest Interest Rate Annual Percentage Yield (APY)*
3 Months $1,000 / $500 $0.01 0.60% 0.60%
6 Months $1,000 / $500 $0.01 0.90% 0.90%
9 Months $1,000 / $500 $0.01 1.00% 1.00%
12 Months $1,000 / $500 $0.01 1.04% 1.05%
15 Months $1,000 / $500 $0.01 1.19% 1.20%
18 Months $1,000 / $500 $0.01 1.24% 1.25%
24 Months $1,000 / $500 $0.01 1.73% 1.75%
30 Months $1,000 / $500 $0.01 1.83% 1.85%
36 Months $1,000 / $500 $0.01 2.23% 2.25%
48 Months $1,000 / $500 $0.01 2.71% 2.75%
60 Months $1,000 / $500 $0.01 2.96% 3.00%
Checking Accounts
Product Minimum Opening Deposit Minimum Balance To Earn Interest Interest Rate Annual Percentage Yield (APY)*
Advantage Gold $0 $100 0.20% 0.20%
i-Checking $0.01-$19,999.99 $0.01 1.19% 1.20%
i-Checking $20,000 and higher $0.01 0.20% 0.20%
i-Checking – if eligibility requirements are not met, entire balance earns: $0.01 $0.01 .10% .10%
Super NOW No longer available for new accounts $100 0.80% 0.80%
Savings Accounts
Product Minimum Opening Deposit Minimum Balance To Earn Interest Interest Rate Annual Percentage Yield (APY)*
Passbook Savings $5 $25 0.25% 0.25%
Statement Savings $5 $25 0.40% 0.40%
Club Accounts $1 $1 0.25% 0.25%
i-Savings $1,000 $25,000 1.29% 1.30%
Advantage Money Market
Balance Minimum Opening Deposit Minimum Balance To Earn Interest Interest Rate Annual Percentage Yield (APY)*
$0-$2,499.99 $2,500 $2,500 0.00% 0.00%
$2,500-$9,999.99 $2,500 $2,500 0.45% 0.45%
$10,000-$24,999.99 $2,500 $2,500 0.70% 0.70%
$25,000-$49,999.99 $2,500 $2,500 0.80% 0.80%
$50,000-$99,999.99 $2,500 $2,500 0.95% 0.95%
$100,000-$249,999.99 $2,500 $2,500 1.19% 1.20%
$250,000-$999,999,999.99 $2,500 $2,500 1.29% 1.30%
Investor’s Money Market Accounts
Balance Minimum Opening Deposit Minimum Balance To Earn Interest Interest Rate Annual Percentage Yield (APY)*
$0-$2,499.99 $2,500 $2,500 0.00% 0.00%
$2,500-$24,999.99 $2,500 $2,500 0.45% 0.45%
$25,000-$49,999.99 $2,500 $2,500 0.70% 0.70%
$50,000 and over $2,500 $2,500 0.90% 0.90%

*Rates are subject to change without notice. Interest compounds daily on accounts except Club, i-Checking, and Investor’s Money Market accounts. The APY assumes that interest is left in your account to compound for one year. Account fees could reduce earnings. There may be a substantial penalty for early withdrawals from Certificates of Deposit.

Accounts are federally insured by the National Credit Union Administration (NCUA), up to certain limits. Amounts above the NCUA limit are insured by Massachusetts Share Insurance Corp. (MSIC), up to the maximum amount allowed by law. To learn more, visit http://www.ncua.gov and http://www.msic.org.

Important Account Information & Disclosures

Fee Schedule