Deposit Rates

Rates are effective January 19, 2017
 
Limited Time Offer -Special (Certificate of Deposit/IRA CD)
Term Minimum Opening Deposit Certificate/ IRA Minimum Balance To Earn APY Interest Rate Annual Percentage Yield (APY)*
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%.
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 Foreign ATM Fee for that statement cycle. HarborOne reserves the right to transfer this account to a non interest checking account if the eligibility requirements are not met for three consecutive months.
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