HarborOne Bank, 14-Month Remarkable CD, 3.00% APY, July 17 and 18

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UPDATE 7/16/2018: The Remarkable CD can be opened online.

Deal Summary: 14-month Remarkable CD, 3.00% APY, $1k minimum deposit, new money, available July 17 and 18, 2018.

Availability: Market area includes Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.

For the third time in the past five months, HarborOne Bank (HarborOne) is offering a Remarkable CD for two days. The “three-peat” Remarkable CD is a 14-month CD (3.00% APY) that can only be opened on July 17 and 18, 2018. The minimum deposit is $1k of new money, and there is a maximum deposit of $250k. There is also a maximum deposit of $250k per household.

The Remarkable CD is also available as IRAs (Traditional, Roth, CESA), earning the same APY, but only requiring a $500 minimum deposit.

As stated on the Important Account Information page, the Early Withdrawal Penalty reads as follows:

If your account has an original maturity of one year but less than twenty four months:

The penalty we may impose will equal nine months interest on the amount withdrawn subject to penalty.

Thanks to DA reader, happ, for a Forum post about this red-hot deal.

Availability

Headquartered in Brockton, Massachusetts, HarborOne Bank offers its product line to individuals who have a valid mailing address in New England, e.g., Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.

UPDATE 7/16/2018: The Remarkable CD can be opened online.

I am not 100% certain the 14-month Remarkable CD can be opened online. I missed the cutoff time to call Customer Service by 10 minutes, so I wasn’t able to verify the online availability; I’ll have a definitive answer on Monday.

HarborOne is currently offer two other limited-time CD Specials, and there is a note on the Deposit Rates page which may also apply to the Remarkable CD.

New customers call Customer Service to apply at 800-244-7592.

Previous two-day Remarkable CDs offered by HarborOne could be opened online, through the Call Center, or at any of 14 Massachusetts branches located in Abington, Attleboro, Bridgewater, Brockton (4), Canton, Mansfield, Middleboro, North Easton, Plymouth, Randolph, and Raynham.

The promotion page has a link to schedule a call back. Simply enter your name, email address, phone number, and the best time to call, and HarborOne will call you on July 17. In the past, HarborOne’s Call Center and branches stayed opened late when offering a two-day special.

Bank Overview

HarborOne Bank has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 5.72% (excellent) based on March 31, 2018 data. In the past year, the Bank has increased its total non-brokered deposits by $18.4 million, an above average annual growth rate of 0.96%. Please refer to our financial overview of HarborOne Bank (FDIC Certificate #59070) for more details.

HarborOne Bank is currently the 16th largest bank in Massachusetts, with assets in excess of $2.7 billion and more than 156,300 customer accounts. Established in 1918 as Brockton Credit Union, the name was changed to HarborOne Credit Union in 2004 to reflect an expanded field of membership, which included four east Massachusetts counties. In 2013, HarborOne converted to a bank to “provide more opportunities for growth and better meet the needs of those who wanted to do business” with HarborOne.

How the CD Compares

When compared to the similar length-of-term CDs tracked by DepositAccounts.com, requiring a similar minimum deposit and available within the market area, HarborOne Bank’s 14-month Remarkable CD currently and clearly ranks first.

Interest RateCD Length of TermCredit Union/Bank
3.00% APY14-Month Remarkable CDHarborOne Bank
2.51% APY12-Month CDColorado Federal Savings Bank
2.50% APY12-Month iGOCDiGObanking

The above rates are accurate as of 7/15/2018.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Boston CD rates, Providence CD rates, 1-year CD rates

Comments
Anon
Anon   |     |   Comment #1
The promotion page says the 3.00% APY 14-month CD is available July 17 and 18, NOT July 27 and 28.
Heads Up
Heads Up   |     |   Comment #2
VERY Good eye
Ken Tumin
Ken Tumin   |     |   Comment #3
Thanks. The post has been corrected.
gregk
gregk   |     |   Comment #4
A gimmick.
mathewp
mathewp   |     |   Comment #5
Can you elaborate on why this is a gimmick. I am tempted to open another CD with them with this offer after taking advantage of the 2.75% 13 month CD from earlier promotion.
Anon
Anon   |     |   Comment #6
Disclosure/T&C page states:

CHANGING ACCOUNT PRODUCTS
"We may change your account to another product offered by us at any time by giving you notice that your account will be changed to another product on a specified date. If your account is a time account, the change will not occur before the next maturity date of your account. If you do not close your account before the date specified in the notice, we may change your account to that other product on the date specified in the notice."

Anyone have a high rate CD converted to a lower rate with this bank? Their regular CD rates are not very competitive.
larry
larry   |     |   Comment #7
Sounds like the terms of the CD(timed account) is honored until after maturity in which they can change the terms and put you in another type of account. Have to wait until Monday for the full disclosure.
Ben
Ben   |     |   Comment #9
The answer to your question is clearly given in the disclosure you pasted:
". If your account is a time account, the change will not occur before the next maturity date "
larry
larry   |     |   Comment #12
Yep, just got off the phone with customer service and this CD looks like a go for us. Only drawbacks is the CD has to be opened up over the phone or in the branch and from what i can tell they do a hard pull. One would pull in an extra ~$1924 in over the Northern Bank 2.24% mm rate for the 15 month period for a max CD.
boston02116
boston02116   |     |   Comment #13
The CS rep I spoke to told me you can open the CD online and upoad documents. I hope he's correct. However, he did tell me, Trust accounts have to be opened in person, at a local branch.
larry
larry   |     |   Comment #14
We'll try the online app first. Almost always get a conflicting view from any customer service bank or cu. The 14 month is right in our sweet spot. Probably more funds out of Ally!
Captain Obvious
Captain Obvious   |     |   Comment #16
Wouldn't risk it!
larry
larry   |     |   Comment #17
No charge form Ally because it's Harbor One that's doing the pulling. From what I can gather there will be no charge from Harbor One according to customer service. I guess we shall see.
happ
happ   |     |   Comment #21
I was able to open it online, just like the last promotion. There was no hard pull for me last time, so I don't expect one with this one.
myself
myself   |     |   Comment #8
Hello man
When will you be giving us 5% deals. Soon?
D1000
D1000   |     |   Comment #10
not nationwide .
Tekka
Tekka   |     |   Comment #11
They will only let you open this account via ACH from a bank. They won't let you wire in the funds or send a check.
deplorable 1
deplorable 1   |     |   Comment #18
Is this available nationwide online or do you still need to live in the local area?
RJM
RJM   |     |   Comment #19
HarborOne Bank offers its product line to individuals who have a valid mailing address in New England, e.g., Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.

In other words, they DISCRIMINATE against the rest of us!
deplorable 1
deplorable 1   |     |   Comment #20
Yeah I tried to apply online and ran into that wall! Oh well it was worth a shot.
mathewp
mathewp   |     |   Comment #23
Great deal. I had taken advantage of their last 2.75% offer. I was able to open online by going through the existing customer process. Only confusion is they ask you to pick a new userid/passwd but chat confirmed that the userid/passwd is just for the application and I should be able to see the new CD once opened in my original login account. They could make this process simpler for existing customers for sure.
mathewp
mathewp   |     |   Comment #24
Just to report back, the second CD was successfully opened with no issues. In addition it automatically showed up under my old login/password. So even though they force you to pick another username/password for the application, with no effort on my part my actual bank login has both CDs now. So far happy with HarborOne deals.
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Credit union membership is open to those living or working in Bristol, Norfolk, Plymouth, or Barnstable counties. Please refer to the credit union's About Page for more details.

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