Deposit Rates and Annual Percentage Yields

Effective November 1, 2022

Checking

Checking Account Rates

AccountMinimum Opening DepositMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
Advantage Gold$10.00$100.000.05%0.05%
i-Checking1$10.00$0.01 - $19,999.990.02%0.02%
i-Checking2$10.00$20,000.00 or more0.01%0.02% - 0.01%
i-Checking3
If eligibility requirements are not met, entire balance earns:
$10.00$0.010.01%0.01%
Savings

Savings Account Rates

Statement Savings

Minimum Opening DepositMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
$5.00$25.000.02%0.02%

Remarkable Savings

Rates available for accounts opened on or after October 11, 2022, and for new-to-bank deposits.

BalanceMinimum Opening DepositMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
$0.00 - $4,999.99$5,000.00$0.010.02%0.02%
$5,000.00 - $24,999.99$5,000.00$5,000.000.10%0.10%
$25,000.00 - $99,999.99$5,000.00$25,000.002.23%2.25%
$100,000.00 - $249,999.99$5,000.00$100,000.002.96%3.00%
$250,000.00 - $499,999.99$5,000.00$250,000.002.96%3.00%
$500,000.00 - $999,999.99$5,000.00$500,000.002.96%3.00%
$1,000,000.00 - $2,999,999.99$5,000.00$1,000,000.002.96%3.00%
$3,000,000.00 or more$5,000.00$3,000,000.000.00%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.

BalanceMinimum Opening DepositMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
$0.00 - $4,999.99$5,000.00$0.010.02%0.02%
$5,000.00 - $24,999.99$5,000.00$5,000.000.10%0.10%
$25,000.00 - $99,999.99$5,000.00$25,000.001.49%1.50%
$100,000.00 - $249,999.99$5,000.00$100,000.001.73%1.75%
$250,000.00 - $499,999.99$5,000.00$250,000.001.73%1.75%
$500,000.00 - $999,999.99$5,000.00$500,000.001.73%1.75%
$1,000,000.00 - $2,999,999.99$5,000.00$1,000,000.001.73%1.75%
$3,000,000.00 or more$5,000.00$3,000,000.000.00%0.00%**

**Will earn APY on entire balance.


Remarkable Savings

Rates available on all accounts opened on or before March 14, 2022

BalanceMinimum Opening DepositMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
$0.00 - $4,999.99$5,000.00$0.010.02%0.02%
$5,000.00 - $24,999.99$5,000.00$5,000.000.10%0.10%
$25,000.00 - $99,999.99$5,000.00$25,000.000.40%0.40%
$100,000.00 - $249,999.99$5,000.00$100,000.000.55%0.55%
$250,000.00 - $499,999.99$5,000.00$250,000.000.55%0.55%
$500,000.00 - $999,999.99$5,000.00$500,000.000.55%0.55%
$1,000,000.00 - $2,999,999.99$5,000.00$1,000,000.000.55%0.55%
$3,000,000.00 or more$5,000.00$3,000,000.000.00%0.00%**

**Will earn APY on entire balance.

Money Market

Money Market Account Rates

i-Money Market

BalanceMinimum Opening DepositMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
$0.00 - $4,999.99$2,500.00$0.010.02%0.02%
$5,000.00 - $24,999.99$2,500.00$5,000.000.05%0.05%
$25,000.00 - $99,999.99$2,500.00$25,000.000.10%0.10%
$100,000.00 - $249,999.99$2,500.00$100,000.000.35%0.35%
$250,000.00 - $499,999.99$2,500.00$250,000.000.35%0.35%
$500,000.00 - $999,999.99$2,500.00$500,000.000.35%0.35%**
$1,000,000.00 - $2,999,999.99$2,500.00$1,000,000.000.35%0.35%**
$3,000,000.00 or more$2,500.00$3,000,000.000.00%0.00%**

**Will earn APY on entire balance.

CD & IRA

CD & IRA Account Rates

CD Special

Special rate available only for all new-to-bank deposits.

TermMinimum Opening Deposit Certificate/IRAMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
11 Months$1,000 / $500.00$0.014.64%4.75%

 


Savings Builder CD

(Not available as an IRA)

TermMinimum Opening Deposit Certificate/IRAMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
24 Months$100.00$0.011.98%2.00%

 


Advantage Gold Certificate of Deposit/IRA CDs

TermMinimum Opening Deposit Certificate/IRAMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
35 Months$1,000.00 / $500.00$0.010.40%0.40%
46 Months$1,000.00 / $500.00$0.010.65%0.65%
57 Months$1,000.00 / $500.00$0.010.50%0.50%

 


Certificates of Deposit/IRA CDs

TermMinimum Opening Deposit Certificate/IRAMinimum Balance To Earn APYInterest RateAnnual Percentage Yield (APY)*
3 Months$1,000.00 / $500.00$0.010.10%0.10%
6 Months$1,000.00 / $500.00$0.010.10%0.10%
9 Months$1,000.00 / $500.00$0.010.10%0.10%
12 Months$1,000.00 / $500.00$0.010.10%0.10%
18 Months$1,000.00 / $500.00$0.010.20%0.20%
24 Months$1,000.00 / $500.00$0.010.20%0.20%
30 Months$1,000.00 / $500.00$0.010.35%0.35%
36 Months$1,000.00 / $500.00$0.010.50%0.50%
48 Months$1,000.00 / $500.00$0.010.60%0.60%
60 Months$1,000.00 / $500.00$0.010.45%0.45%

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