Deposit Rates & Annual Percentage Yields

All rates and 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.

1. 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.
2. 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.

Savings Builder CD ​An Annual Percentage Yield (APY) of 2.00% for the 24-month CD assumes interest is left to compound to maturity. APY is accurate and effective as of 03/01/2023. 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.

For Certificate of Deposits (CDs): APY is accurate and effective as of 03/01/2023. 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.

Important Account Information & Disclosures

Fee Schedule