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Savings

Every little bit you set aside can get you where you want to be. Set a savings goal for retirement or college. Or, just add what you can, when you can, to a cushion or emergency fund. We offer options, so it’s up to you.

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Savings accounts that care what comes next for you

We love to see our neighbors succeed, so you can trust us to take your future as seriously as you do. All of our savings account options include features that protect your funds and make it easy for you to check in on your progress anytime:

  • Secure online and mobile access to accounts
  • Ability to set alerts to monitor activity

Explore Our Personal
Savings Accounts

Harbor Savings Account

The right choice for you if:
You dream of a “Maybe One Day” account to make those out-of-reach goals feel closer. This interest-bearing savings account helps you reach your savings goals. You can use our secure online and mobile banking to track your progress.

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Certificates of Deposit (CDs)

The right choice for you if:
 You want a risk-free savings option, a place to put some money you’d like to see earn interest. You'll enjoy a guaranteed rate of return.

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Christmas Club Account

Don’t let that most wonderful time of the year break your bank account. You can set aside a little every month all year to prepare with the Christmas Club Account:

• Decide on your annual budget.
• You don’t have to use your money for Christmas or holiday shopping – consider saving for annual taxes, save for a vacation, it is really your money to do what you want with it!
• Set up an automatic transfer each month into your Christmas Club Account.
• Add as much or as little as you want.
• Receive your funds in mid-October via direct deposit or check.

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Traditional Individual Retirement Account (IRA)

The right choice for you if*:
You want to deduct your contributions on your taxes and defer all of your investment earnings until distribution.

• Eligible for tax-deductible contributions.
• All IRA investment earnings are tax-deferred until distributed.

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ROTH Individual Retirement Account (IRA)

The right choice for you if*:
You don’t want to deduct your contributions on your taxes and would rather your earnings potentially be nontaxable upon distribution. Roth IRA owners are not required to take minimum distributions.

• Not tax-deductible.
• All earnings are potentially nontaxable upon distribution.
• After meeting a five-year holding period, a Roth IRA owner (and their beneficiaries) can take certain qualified distributions that are nontaxable.
• Roth IRA owners are not required to take minimum distributions.

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*This material has been prepared for informational purposes only and should not be relied on for, tax, legal or accounting advice. Please consult your own tax, legal and accounting advisors before engaging in any transaction.

Today’s Harbor Savings Rates

Minimum Balance to Earn APY Interest Rate APY
Tier 5 ($100,000.00 and above) 0.10% 0.10%
Tier 4 ($50,000.00-$99,999.99) 0.07% 0.07%
Tier 3 ($25,000.00-$49,999.99) 0.05% 0.05%
Tier 2 ($10,000.00-$24,999.99) 0.05% 0.05%
Tier 1 ($0.01-$9,999.99) 0.01% 0.01%

Interest rates and Annual Percentage yields (APY) are accurate as of Sunday, October 17, 2021. The rates may change after account is opened. Maximum daily balance is $1 million for personal accounts. Fees could reduce earnings. $1.00 minimum deposit to open account.

Today’s Premium CD Rates

Term Interest Rate APY
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
7 Months* 0.15% 0.15%
12 Months 0.25% 0.25%
24 Months 0.35% 0.35%
36 Months 0.40% 0.40%
60 Months 0.50% 0.50%

Interest rates and Annual Percentage yield (APY) are accurate as of Sunday, October 17, 2021. Fees may reduce earnings. Minimum opening deposit is $500 minimum; minimum balance to earn APY is $.01. Penalties for early withdrawal may apply. Premium CD eligibility requires maintaining a personal checking, money market or savings account.

*There is no penalty for early withdrawal during the no penalty CD Term.

Today’s Premium IRA Rates

Term Interest Rates APY
12 Months 0.25% 0.25%
24 Months 0.35% 0.35%
36 Months 0.40% 0.40%
60 Months 0.50% 0.50%

Interest rates and Annual Percentage yield (APY) are accurate as of Sunday, October 17, 2021.  Fees may reduce earnings. Minimum opening deposit is $500; minimum balance to earn APY is $.01. Penalties for early withdrawal may apply. Premium CD eligibility requires maintaining a personal checking, money market or savings account.

Today's Premium CESA Rates

Term Interest Rate APY
12 Months 0.25% 0.25%
24 Months 0.35% 0.35%
36 Months 0.40% 0.40%
60 Months 0.50% 0.50%

Interest rates and Annual Percentage yield (APY) are accurate as of Sunday, October 17, 2021. Fees may reduce earnings. Minimum opening deposit is $500 minimum; minimum balance to earn APY is $.01. Penalties for early withdrawal may apply. Premium CD eligibility requires maintaining a personal checking, money market or savings account.

Today's Christmas Club Rates

Minimum Balance to Earn APY Interest Rate APY
$0.01 0.10% 0.10%

Interest rates and Annual Percentage yield (APY) are accurate as of Sunday, October 17, 2021.  Fees could reduce earnings. $1.00 minimum deposit to open account. Minimum balance to earn APY is $.01.

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