For all offers listed here: 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. Offers available only to residents of MA, NH, and RI. Offers subject to change at any time. 

*Annual Percentage Yield (APY) of 4.00% on an 6-month CD is available only to customers who have or who open and fund any personal HarborOne Checking account at same time as CD opening. Available only in banking centers or by scheduling an appointment. APY assumes interest is left to compound to maturity.  A minimum of $1,000 is required to open; $500 for IRAs. Maximum for this account is capped at $1,000,000. Minimum balance to earn APY is $0.01. There may be a substantial penalty for early withdrawal from CDs. Federal and State penalties may also apply for early withdrawal on IRAs. 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. For the checking account requirement to earn stated APYs, see representative checking account example here:  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% - 0.01%; if eligibility requirements are not met, the entire balance will earn an APY of 0.01%. All variable rate accounts may change after your account is opened. 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. 

**Platinum Money Market (PMM) at 3.85% 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 December 20, 2024. 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 1.75% APY. Daily balance of $50,000.00 to $249,999.99 will earn 3.50% APY. Daily balance of $250,000.00 to $499,999.99 will earn 3.85% APY. Daily balance of $500,000.00 to $999,999.99 will earn 3.50% APY. Daily balance of $1,000,000.00 to $2,999,999.99 will earn 3.50% 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, a representative checking account example is below with APY’s accurate and effective as of December 20, 2024: 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% - 0.01%; If eligibility requirements are not met, the entire balance will earn an APY of 0.01%. To maintain an 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.

***$600 Bonus offer is available 2/1/24 – 3/31/25: $600 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 for the bonus within 30 days of account opening at harborone.com/offers, AND 2) Open and fund any new HarborOne personal Checking Account (depending on your source of funding it may take up to 3 business days); AND 3) Receive direct deposits totaling at least $2,500 per month, starting within 30 days of account opening, for 3 consecutive months. 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.  

To receive the additional $300 Savings bonus: 1) New checking account must be opened on the same day as the Savings, MM, or CD. 2) All checking bonus requirements listed above must be met. 3) Open any new HarborOne Personal Savings, Money Market or CD account, (with the same tax ID # used when opening checking) with new money to HarborOne, in accordance with the minimum opening balance requirement, AND maintain at least a $10,000 combined average monthly balance in your new Savings or MM or CD account each month for 3 consecutive months, starting after 30 days of account opening. You will have the first 30 days to bring the average balance to $10,000.

Bonus Conditions: Account must remain open, active, in good standing, and in the same product type through the 5 month period from account opening to receive the bonus for noted offers above. Once the offer criteria is met, the bonus will be credited into the new personal checking or into the savings or MM or CD account no later than 20 days from 5 month anniversary of account opening. We offer checking and savings 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 December 20, 2024 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% - 0.01%; 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. Savings: Our statement savings account pays a 0.02% APY and requires a minimum of $5.00 to open the account. You must maintain a minimum average daily balance of $200.00 or combined average daily balances of $2,000.00 to avoid a $2 monthly maintenance service charge. Combined balances include Checking accounts, Savings accounts, Money Market accounts, and CDs. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account. 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.