Score big this season

Stack your savings with the 
HarborOne Hat Trick

Every financial goal counts, and at HarborOne, we're committed to helping you reach yours. 
Whether you're in the market for a high-yield CD, a new checking account, 
a HELOC—or all three—we're here to help you save like a champion.

Great Savings

Put your savings in the game

13 Month CD 5.00% APY

Looking to secure a rate for a set period of time?  A CD can be a perfect solution for longer-term savings 
goals.  Open today to lock in a great CD rate.

Find a banking center  Open Online

Your savings power play

36 Month CD 4.50% APY

Lock in this great rate for a longer-term savings option. Open your 36 month CD today.

Find a banking center  Open Online

Great Bonus

Score a new account bonus

Earn a $300 Bonus3

  • Register by filling in the form below using the same email address used when 
    opening your new checking account and
  • Open a new checking and 
  • Make monthly direct deposits totaling at least $2,500 per month

Learn more or open a checking account


Don't let your equity sit on the sidelines

Home Equity Line of Credit 6.99% APR4

Available for the first 6 months, AutoPay from a HarborOne checking account is required

Use your HELOC to pay off credit cards, make home improvements, or reduce monthly payments 
plus you enjoy NO closing costs.

Rates with AutoPay from a HarborOne checking account 
after the first 6 months

Line AmountRate Annual Percentage Rate (APR)**
$30,000.00 - $49,999.99Prime Rate +0.749.24%
$50,000.00 - $99,999.99Prime Rate +0.498.99%
$100,000.00 - $249,999.99Prime Rate +0.008.50%
$250,000.00 - $750,000.00Prime Rate -0.258.25%

Take advantage of this special offer power play!

Stop by one of our 30 banking centers across Massachusetts and Rhode Island.

Find a banking center

 Book a One2One appointment to meet with our team by phone, Zoom, or in person.

Book an appointment

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. Offer available only to residents of MA, NH, and RI. Offer subject to change at any time. 

113 Month Certificate of Deposit (CD) at 5.00% APY and 236 month CD at 4.50% APY are accurate and effective as of 12/1/23. Open with minimum of $1,000 for regular CD, or $500 minimum for IRA. Minimum balance to earn APY is $0.01. 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. 

3$300 Bonus: This bonus offer is effective as of 12/1/2023 for new customers. Criteria for new Customers: New customer to the Bank; Existing customer that did not have a checking account; Existing customer that is not the tax owner on any existing checking account; Considered new if the customer has not had a checking account in prior 12 months; If multiple accounts are opened with the same signer, only one account will be eligible for the incentive. 

To receive the $300 Checking bonus

1) Primary tax owner must register at for the bonus within 60 days of account opening AND 

2) Open and fund any new HarborOne personal Checking Account; AND 3) Receive direct deposits totaling at least $2,500 per month, within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits such as social security from your Employer or the Government. Direct Deposits that do NOT qualify include: Deposits to your account made by an individual using online banking or internet payment providers, Person to Person and bank transfers between your existing HarborOne Bank accounts or accounts you have at other financial institutions or brokerages. 

Bonus Conditions: Account must remain open, active, in good standing, and in the same product type through the 60 day period from account opening to earn the bonus for noted offer above. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 80 days from account opening. We offer checking accounts with Annual Percentage Yields (APYs) that depend on the type of account you choose. For representative examples see below. The APY’s are accurate and effective as of 12/1/23 for the following representative examples below: Checking: iChecking with a minimum balance of $0.01 - $19,999.99 will earn an APY of 0.02%; $20,000 or more will earn 0.02%-.01%; if eligibility requirements are not met, the entire balance will earn an APY of 0.01%. To maintain iChecking account you must meet the following eligibility requirements each calendar month: Receive your account statement electronically AND at least one direct deposit must post to your account OR at least ten debit card point of sale transactions must post and clear to your account. iChecking requires a minimum of $10 to open the account. You must maintain a minimum average daily balance of $200.00 to avoid a $2 monthly maintenance service charge. 

Bonuses are considered interest and will be reported on IRS Form 1099-INT. Please consult your tax adviser. Offer is subject to change or cancellation without notice. HarborOne Bank employees are not eligible. Bonus offers do not apply to those customers who have been paid a promotional premium in the past.

4Home Equity Line of Credit Rates. The APR is the Annual Percentage Rate, and the Index is the Prime Rate.

The introductory APR will be fixed at 6.99% for the first 6 months and a $25,000 draw is required at time of funding. Thereafter (see rate table above for rates), the Index is variable and based on the Prime Rate (Prime) as published in the Wall Street Journal (8.50% as of 7/27/23). 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. The corresponding APR will never be less than 3.99% or more than 18.00% per annum on our featured Home Equity Line of Credit Rate. 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 fee in Rhode Island); For Life Estate reviews, the bank will assess a non-refundable $150 fee ($175 fee in Rhode Island). 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 $75.00 (waived the first year). Other terms and restrictions may apply. Offer subject to change without notice. 

APR is based on the current Prime Rate (8.50% as of 7/27/23) plus or minus the margin indicated in the rate table above. Rates are variable and subject to change.