Deposit Rates

Rates are effective December 1, 2016
 
Limited Time Offer -Special (Certificate of Deposit/IRA CD)
* 7 Mo. & 13 Mo. Products -Available for New Money to HarborOne Bank only
Term Minimum Opening Deposit Certificate/ IRA Minimum Balance To Earn APY Interest Rate Annual Percentage Yield (APY)*
* 7 Months $1,000 / $500 $0.01 1.00% 1.00%
* 13 Months $1,000 / $500 $0.01 1.29% 1.30%
15 Months $1,000 / $500 $0.01 0.60% 0.60%
Advantage Gold Certificate of Deposit/IRA CD’s
Term Minimum Opening Deposit Certificate/IRA Minimum Balance To Earn APY Interest Rate Annual Percentage Yield (APY)*
35 Months $1,000 / $500 $0.01 1.09% 1.10%
46 Months $1,000 / $500 $0.01 1.29% 1.30%
57 Months $1,000 / $500 $0.01 1.44% 1.45%
Certificates of Deposits or IRA CDs
Term Minimum Opening Deposit Certificate/IRA Minimum Balance To Earn APY Interest Rate Annual Percentage Yield (APY)*
3 Months $1,000 / $500 $0.01 0.20% 0.20%
6 Months $1,000 / $500 $0.01 0.25% 0.25%
9 Months $1,000 / $500 $0.01 0.30% 0.30%
12 Months $1,000 / $500 $0.01 0.40% 0.40%
18 Months $1,000 / $500 $0.01 0.45% 0.45%
20 Month Bump-Up $1,000 / $500 $0.01 0.45% 0.45%
24 Months $1,000 / $500 $0.01 0.65% 0.65%
30 Months $1,000 / $500 $0.01 0.70% 0.70%
36 Months $1,000 / $500 $0.01 0.75% 0.75%
48 Months $1,000 / $500 $0.01 1.09% 1.10%
60 Months $1,000 / $500 $0.01 1.34% 1.35%
16 Month Bump-Up (Existing Accounts only)NO LONGER AVAILABLE $1,000 / $500 $0.01 0.65% 0.65%
Checking Accounts
Product Minimum Opening Deposit Minimum Balance To Earn APY Interest Rate Annual Percentage Yield (APY)*
Advantage Gold $10.00 $100 0.05% 0.05%
i-Checking1 $10.00 $0.01-$19,999.99 0.30% 0.30%
i-Checking2 $10.00 $20,000 or more 0.05% 0.05%
i-Checking3 – if eligibility requirements are not met, entire balance earns: $10.00 $0.01 0.05% 0.05%
Savings Accounts
Product Minimum Opening Deposit Minimum Balance To Earn APY Interest Rate Annual Percentage Yield (APY)*
Passbook Savings $5 $25 0.07% 0.07%
Statement Savings $5 $25 0.07% 0.07%
 CheckIT Savings  $5 $25 0.07% 0.07%
 i-Savings $1,000 $25,000 0.50% 0.50%
Club Accounts $1 $1 0.05% 0.05%
Advantage Money Market
Balance Minimum Opening Deposit Minimum Balance To Earn APY Interest Rate Annual Percentage Yield (APY)*
$0-$2,499.99 $2,500   0.00% 0.00%
$2,500-$9,999.99 $2,500 $2,500 0.10% 0.10%
$10,000-$24,999.99 $2,500 $10,000 0.15% 0.15%
$25,000-$49,999.99 $2,500 $25,000 0.20% 0.20%
$50,000-$99,999.99 $2,500 $50,000 0.20% 0.20%
$100,000-$249,999.99 $2,500 $100,000 0.30% 0.30%
$250,000 – $999,999.99 $2,500 $250,000 0.35% 0.35%
$1,000,000.00 – or more $2,500 $1,000,000 0.35% 0.35%
Investor’s Money Market Accounts
Balance Minimum Opening Deposit Minimum Balance To Earn APY Interest Rate Annual Percentage Yield (APY)*
$0-$2,499.99 $2,500   0.00% 0.00%
$2,500-$24,999.99 $2,500 $2,500 0.10% 0.10%
$25,000-$49,999.99 $2,500 $25,000 0.15% 0.15%
$50,000 or more $2,500 $50,000 0.20% 0.20%
         
i-Money Market
Balance Minimum Opening Deposit Minimum Balance To Earn APY Interest Rate Annual Percentage Yield (APY)*
$0-$24,999.99 $2,500   0.00% 0.00%
$25,000- $49,999.99 $2,500 $25,000 0.35% 0.35%
$50,000- $74,999.99 $2,500 $50,000 0.55% 0.55%
$75,000-$249,999.99 $2,500 $75,000 0.70% 0.70%
$250,000-$499,999.99 $2,500 $250,000 0.70% 0.70%
$500,000 or more $2,500 $500,000 0.70% 0.70%

*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. Rates may change after Account(s) are opened.

1 An interest rate of .30% with an annual percentage yield of .30% will be paid only for that portion of your daily balance that is greater than $.01, but less than $20,000.00.

2 An interest rate of .05% with an annual percentage yield of .05% will be paid only for that portion of your daily balance that is greater than $19,999.99.

3 If your daily balance is $.01 or more, the interest rate paid on the balance of your account will be .05% with an annual percentage yield of .05%.

Accounts at HarborOne Bank above the FDIC limits are insured in full by the Share Insurance Fund (SIF).

For more information about FDIC insurance coverage of noninterest-bearing accounts, visit http://www.fdic.gov/news/news/financial/2012/fil12045.html.

Important Account Information & Disclosures

Fee Schedule