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Deposit Rates & Annual Percentage Yields
Effective October 2, 2025
Savings Account Rates
Savings Account Rates
BusinessOne Savings
Only for money new to HarborOne Bank for business customers who have a HarborOne business checking account.
| Balance | Minimum Opening Deposit | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| $0.00 - $2,499.99 | $100.00 | $0.01 | 0.00% | 0.00% |
| $2,500.00 - $9,999.99 | $100.00 | $2,500.00 | 0.02% | 0.02% |
| $10,000.00 - $24,999.99 | $100.00 | $10,000.00 | 0.05% | 0.05% |
| $25,000.00 - $49,999.99 | $100.00 | $25,000.00 | 1.74% | 1.75% |
| $50,000.00 - $99,999.99 | $100.00 | $50,000.00 | 2.75% | 2.79% |
| $100,000.00 - $249,999.99 | $100.00 | $100,000.00 | 2.75% | 2.79% |
| $250,000.00 or more | $100.00 | $250,000.00 | 2.75% | 2.79% |
Business Advantage Savings
| Balance | Minimum Opening Deposit | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| $0.00 - $2,499.99 | $100.00 | $0.01 | 0.02% | 0.02% |
| $2,500.00 - $9,999.99 | $100.00 | $2,500.00 | 0.02% | 0.02% |
| $10,000.00 - $24,999.99 | $100.00 | $10,000.00 | 0.05% | 0.05% |
| $25,000.00 - $49,999.99 | $100.00 | $25,000.00 | 0.10% | 0.10% |
| $50,000.00 - $99,999.99 | $100.00 | $50,000.00 | 0.10% | 0.10% |
| $100,000.00 - $249,999.99 | $100.00 | $100,000.00 | 0.15% | 0.15% |
| $250,000.00 or more | $100.00 | $250,000.00 | 0.15% | 0.15% |
Business Money Market
Business Money Market
| Balance | Minimum Opening Deposit | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|---|
| $0.00 - $9,999.99 | $100.00 | $0.00 | 0.00% | 0.00% |
| $10,000.00 - $49,999.99 | $100.00 | $10,000.00 | 0.05% | 0.05% |
| $50,000.00 - $99,999.99 | $100.00 | $50,000.00 | 0.10% | 0.10% |
| $100,000.00 or more | $100.00 | $100,000.00 | 0.10% | 0.10% |
Commercial Checking
Commercial Checking
| Balance | Minimum Opening Deposit |
|---|---|
| Earnings Credit | $100.00 |
*Rates and APYs are subject to change without notice. All variable rate accounts may change after your account is opened.
