Savings Builder CD
**Disclosure: An Annual Percentage Yield (APY) of 0.45% for the 24-month CD assumes interest is left to compound to maturity. APY is accurate and effective as of 7/1/2021. A minimum of $100 is required to open. Minimum balance to earn APY is $0.01. There may be a substantial penalty for early withdrawal, some exceptions apply. At maturity if a comparable term is not offered, the CD will be converted to a term of 12-months, at the interest rate and APY in effect for CDs on renewal date not subject to a special rate. Limited time offer, subject to change without notice.
***Home Equity Line of Credit Rates
The APR is the Annual Percentage Rate, and the Index is the Prime Rate.
The promotion requires an initial draw requirement of $20,000. This balance must be maintained for a minimum period of 6 months (minimum monthly payments excepted) in order to retain the promotional APR of 2.74%. If the customer pays off the draw amount prior to 6 months the rate will be reverted to the current rate for their line amount. The promotional APR is good for up to 12 months (“Introductory Period”).
Thereafter (see rate table above for rates with Auto-Pay from a HarborOne checking account), the Index is variable and based on the Prime Rate (Prime) as published in the Wall Street Journal (3.25% as of 4/12/2021). No additional rate reduction is included during the period of the promotional discount. Home Equity Line of Credit Rates shown above requires monthly automatic repayment from a HarborOne checking account. Termination of automatic repayment option will result in an undiscounted rate after the Introductory Period. Other HELOC programs offered by HarborOne do not include an automatic repayment feature. APR is subject to change and may increase after consummation. Subject to credit approval. No points. Promotional rate applies to new credit lines only. Other HELOC programs for current HarborOne HELOC customers available. Visit your local branch or call 1-800-244-7592 for additional information.
Advertised rates are available for lines of credit between $30,000 and $750,000 on 1 to 4 family, owner occupied homes located in (ME, NH, VT, MA, RI and CT) with a combined loan to value ratio (CLTV) of 80% or less as determined by the property type, an appraisal acceptable to the lender and acceptable FICO score of applicants. No closing costs except for properties held in a Real Estate Trust or a Life Estate. A non-refundable attorney Real Estate Trust review fee of $150 ($125 for Rhode Island) or $150 ($175 for Rhode Island) will be assessed on Life Estates. Hazard insurance is required. Flood insurance is required if applicable. Deductibility of interest is not guaranteed, consult your tax advisor. If you pay off the entire balance and close your line of credit account within 36 months of consummation, there will be a $575.00 Early Termination Fee. Annual fee of $50.00 (waived the first year). Other terms and restrictions may apply. Offer subject to change without notice.
**APR is based on the current Prime Rate (3.25% as of 4/14/2021) plus or minus the margin indicated in the rate table above. The corresponding APR will never be less than 3.50% or more than 18.00% per annum on our featured Home Equity Line of Credit Rate. Rates are variable and subject to change.
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