Harvest Community Bank is offering a few competitive long-term CD rates and a competitive savings account. The best CD rates include a 3.15% APY 60-month CD, a 2.30% APY 36-month CD and a 2.00% APY 24-month CD. Minimum deposit is $500. The Flexible Savings Account has a top rate of 1.36% APY. This requires a $25K minimum balance. The rates are under 1% for the smaller tiers, but the minimum to avoid monthly fees is only $500. These rates are listed in the bank's rates page as of the morning of 7/01/2010.
A branch visit appears to be required to open an account. Branches are located in the New Jersey cities of Pennsville, Pilesgrove, Elmer and Salem.
The bank's ratings for safety and soundness are fair: 3½ stars (good) at BauerFinancial, 3 stars (performing) at Bankrate.com and an overall health score of 3 out of 5 at DepositAccounts.com (see our Harvest Community Bank financial overview). These ratings are based on 3/31/10 data except for Bankrate which is based on 12/31/09 data. The bank has been a FDIC member since 2000 (FDIC Certificate # 34951).
Searching for the Best CD Rates
To search for the best nationwide CD rates and the best CD rates in your state, please refer to the CD rates section of DepositAccounts.com.