Deposit Rates and Annual Percentage Yields
Effective August 1, 2023
Checking Account Rates
| Account | Minimum Opening Deposit | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| Advantage Gold | $10.00 | $100.00 | 0.05% | 0.05% |
| i-Checking1 | $10.00 | $0.01 - $19,999.99 | 0.02% | 0.02% |
| i-Checking2 | $10.00 | $20,000.00 or more | 0.01% | 0.02% - 0.01% |
| i-Checking3 If eligibility requirements are not met, entire balance earns: | $10.00 | $0.01 | 0.01% | 0.01% |
Savings Account Rates
Statement Savings
| Minimum Opening Deposit | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|
| $5.00 | $25.00 | 0.02% | 0.02% |
Remarkable Savings
Rates available for accounts opened on or after October 11, 2022, and for new-to-bank deposits.
| Balance | Minimum Opening Deposit | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| $0.00 - $4,999.99 | $5,000.00 | $0.01 | 0.02% | 0.02% |
| $5,000.00 - $24,999.99 | $5,000.00 | $5,000.00 | 0.10% | 0.10% |
| $25,000.00 - $99,999.99 | $5,000.00 | $25,000.00 | 2.23% | 2.25% |
| $100,000.00 - $249,999.99 | $5,000.00 | $100,000.00 | 2.96% | 3.00% |
| $250,000.00 - $499,999.99 | $5,000.00 | $250,000.00 | 2.96% | 3.00% |
| $500,000.00 - $999,999.99 | $5,000.00 | $500,000.00 | 2.96% | 3.00% |
| $1,000,000.00 - $2,999,999.99 | $5,000.00 | $1,000,000.00 | 2.96% | 3.00% |
| $3,000,000.00 or more | $5,000.00 | $3,000,000.00 | 0.00% | 0.00%^ |
^Will earn APY on entire balance.
Remarkable Savings
Rates available for accounts opened between March 15, 2022-October 10, 2022, and for new-to-bank deposits.
| Balance | Minimum Opening Deposit | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| $0.00 - $4,999.99 | $5,000.00 | $0.01 | 0.02% | 0.02% |
| $5,000.00 - $24,999.99 | $5,000.00 | $5,000.00 | 0.10% | 0.10% |
| $25,000.00 - $99,999.99 | $5,000.00 | $25,000.00 | 1.49% | 1.50% |
| $100,000.00 - $249,999.99 | $5,000.00 | $100,000.00 | 1.73% | 1.75% |
| $250,000.00 - $499,999.99 | $5,000.00 | $250,000.00 | 1.73% | 1.75% |
| $500,000.00 - $999,999.99 | $5,000.00 | $500,000.00 | 1.73% | 1.75% |
| $1,000,000.00 - $2,999,999.99 | $5,000.00 | $1,000,000.00 | 1.73% | 1.75% |
| $3,000,000.00 or more | $5,000.00 | $3,000,000.00 | 0.00% | 0.00%^ |
^Will earn APY on entire balance.
Remarkable Savings
Rates available on all accounts opened on or before March 14, 2022
| Balance | Minimum Opening Deposit | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| $0.00 - $4,999.99 | $5,000.00 | $0.01 | 0.02% | 0.02% |
| $5,000.00 - $24,999.99 | $5,000.00 | $5,000.00 | 0.10% | 0.10% |
| $25,000.00 - $99,999.99 | $5,000.00 | $25,000.00 | 0.40% | 0.40% |
| $100,000.00 - $249,999.99 | $5,000.00 | $100,000.00 | 0.55% | 0.55% |
| $250,000.00 - $499,999.99 | $5,000.00 | $250,000.00 | 0.55% | 0.55% |
| $500,000.00 - $999,999.99 | $5,000.00 | $500,000.00 | 0.55% | 0.55% |
| $1,000,000.00 - $2,999,999.99 | $5,000.00 | $1,000,000.00 | 0.55% | 0.55% |
| $3,000,000.00 or more | $5,000.00 | $3,000,000.00 | 0.00% | 0.00%^ |
^Will earn APY on entire balance.
Money Market Account Rates
Platinum Money Market4
| Balance | Minimum Opening Deposit | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| $0.01 - $4,999.99 | $5,000.00 | $0.01 | 0.02% | 0.02% |
| $5,000.00 - $24,999.99 | $5,000.00 | $5,000.00 | 0.10% | 0.10% |
| $25,000.00 - $49,999.99 | $5,000.00 | $25,000.00 | 3.20% | 3.25% |
| $50,000.00 - $249,999.99 | $5,000.00 | $50,000.00 | 5.12% | 5.25% |
| $250,000.00 - $499,999.99 | $5,000.00 | $250,000.00 | 5.12% | 5.25% |
| $500,000.00 - $999,999.99 | $5,000.00 | $500,000.00 | 4.40% | 4.50%^ |
| $1,000,000.00 - $2,999,999.99 | $5,000.00 | $1,000,000.00 | 4.40% | 4.50%^ |
| $3,000,000.00 or more | $5,000.00 | $3,000,000.00 | 0.00% | 0.00%^ |
^Will earn APY on entire balance.
i-Money Market
| Balance | Minimum Opening Deposit | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| $0.00 - $4,999.99 | $2,500.00 | $0.01 | 0.02% | 0.02% |
| $5,000.00 - $24,999.99 | $2,500.00 | $5,000.00 | 0.05% | 0.05% |
| $25,000.00 - $99,999.99 | $2,500.00 | $25,000.00 | 0.10% | 0.10% |
| $100,000.00 - $249,999.99 | $2,500.00 | $100,000.00 | 0.35% | 0.35% |
| $250,000.00 - $499,999.99 | $2,500.00 | $250,000.00 | 0.35% | 0.35% |
| $500,000.00 - $999,999.99 | $2,500.00 | $500,000.00 | 0.35% | 0.35%^ |
| $1,000,000.00 - $2,999,999.99 | $2,500.00 | $1,000,000.00 | 0.35% | 0.35%^ |
| $3,000,000.00 or more | $2,500.00 | $3,000,000.00 | 0.00% | 0.00%^ |
^Will earn APY on entire balance.
CD & IRA Account Rates
Savings Builder CD
(Not available as an IRA)
| Term | Minimum Opening Deposit Certificate/IRA | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| 24 Months | $100.00 | $0.01 | 3.20% | 3.25% |
Advantage Gold Certificate of Deposit/IRA CDs
| Term | Minimum Opening Deposit Certificate/IRA | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| 35 Months | $1,000.00 / $500.00 | $0.01 | 0.50% | 0.50% |
| 46 Months | $1,000.00 / $500.00 | $0.01 | 0.65% | 0.65% |
| 57 Months | $1,000.00 / $500.00 | $0.01 | 0.50% | 0.50% |
Certificates of Deposit/IRA CDs
| Term | Minimum Opening Deposit Certificate/IRA | Minimum Balance To Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| 3 Months | $1,000.00 / $500.00 | $0.01 | 0.50% | 0.50% |
| 6 Months | $1,000.00 / $500.00 | $0.01 | 4.88% | 5.00% |
| 9 Months | $1,000.00 / $500.00 | $0.01 | 4.16% | 4.25% |
| 12 Months | $1,000.00 / $500.00 | $0.01 | 0.50% | 0.50% |
| 18 Months | $1,000.00 / $500.00 | $0.01 | 0.50% | 0.50% |
| 24 Months | $1,000.00 / $500.00 | $0.01 | 0.50% | 0.50% |
| 30 Months | $1,000.00 / $500.00 | $0.01 | 0.50% | 0.50% |
| 36 Months | $1,000.00 / $500.00 | $0.01 | 3.44% | 3.50% |
| 48 Months | $1,000.00 / $500.00 | $0.01 | 0.60% | 0.60% |
| 60 Months | $1,000.00 / $500.00 | $0.01 | 0.50% | 0.50% |
*All rates and Annual Percentage Yields (APYs) are subject to change without notice. Limited Time Offers. All variable rate accounts may change after your account is opened. Fees may reduce earnings. Personal Accounts only.
Interest compounds daily on accounts except i-Checking.
For I-Checking Account: An interest rate of 0.02% with an annual percentage yield of 0.02% will be paid only for that portion of your daily balance that is greater than $.01, but equal to or less than $19,999.99.
- An interest rate of 0.00% will be paid only for that portion of your daily balance that is greater than $19,999.99. The annual percentage yield for this tier will range from 0.02% to 0.01% depending on the balance in the account.
- If your daily balance is $.01 or more, the interest rate paid on the entire balance in your account will be 0.01% with an annual percentage yield of 0.01%.
I-Checking Eligibility Requirements
You must meet the following requirements each calendar month to maintain this account.
- Received your account statement electronically AND
- At least one direct deposit must post to your account OR
- At least ten (10) debit card point of sale transactions must post and clear to your account
Available for Personal accounts only if you meet the requirement for each calendar month we will waive the Non-HarborOne ATM Fee for that statement cycle.
4 Platinum Money Market (PMM) at 5.25% APY is available to customers who have or open a HarborOne checking account AND who deposit a minimum of $50,000 in new-to-bank deposits into a new PMM. APY is accurate and effective as of 6/20/23. Minimum opening deposit is $5,000. Minimum daily balance of $0.01 to $4,999.99 will earn 0.02% APY. Daily balance of $5,000.00 up to $24,999.99 will earn 0.10% APY. Daily balance of $25,000.00 up to $49,999.99 will earn 3.25% APY. Daily balance of $50,000.00 to $249,999.99 will earn 5.25% APY. Daily balance of $250,000.00 to $499,9999.99 will earn 5.25% APY. Daily balance of $500,000.00 to $999,999.99 will earn 4.50% APY. Daily balance of $1,000,000.00 to $2,999,999.99 will earn 4.50% APY. Daily balance of $3,000,000.00 and over will earn 0.00% APY on entire balance. For the checking account requirement to earn stated APY on Platinum Money Market, please see the requirements for I-Checking above.
Savings Builder CD An Annual Percentage Yield (APY) of 3.25% for the 24-month CD assumes interest is left to compound to maturity. APY is accurate and effective as of 6/1/23. 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.
For Certificate of Deposits (CDs): APY is accurate and effective as of 8/1/2023. There may be a substantial penalty for early withdrawals from Certificates of Deposit. Federal and State penalties may also apply for early withdrawal on IRAs. The APY assumes that interest is left to compound to maturity. 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.
