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Interest Rates
Harford Bank's Weekly Commercial Deposit Interest Rates
Effective 10/8/2026
Interest Rates Reviewed Weekly
Account |
Interest Rate % |
APY%* |
|---|---|---|
Savings |
||
Commercial Statement Savings |
.06 |
.06 |
Commercial Money Market |
||
Tier 1 ($1 to $9,999) |
.200 |
.20 |
Tier 2 ($10,000 to $24,999) |
.250 |
.25 |
Tier 3 ($25,000 to $49,999) |
.400 |
.40 |
Tier 4 ($50,000 to $99,999) |
.750 |
.75 |
Tier 5 ($100,000 to $249,999) |
.995 |
1.00 |
Tier 6 ($250,000 to $499,999) |
1.240 |
1.25 |
Tier 7 ($500,000 to $999,999) |
1.290 |
1.30 |
Tier 8 ($1,000,000 to $4,999,999) |
1.985 |
2.00 |
Tier 9 ($5,000,000 +) |
3.545 |
3.60 |
Account |
Interest Rate% |
APY%* |
|---|---|---|
Premium Commercial Checking |
||
Under — 35,000 |
.00 |
.00 |
35,001 — 50,000 |
.05 |
.05 |
50,001 — 100,000 |
.08 |
.08 |
100,001 — Over |
.12 |
.12 |
Account |
Interest Rate% |
APY%* |
|---|---|---|
Select Checking (Sole Proprietors and Non Profit Organizations Only) |
||
|
.02 |
.02 |
Business Trust Accounts |
||
IOLTA (Checking Account) |
.12 |
.12 |
MAHT (Checking Account) |
.12 |
.12 |
Account |
Interest Rate% |
APY%* |
|---|---|---|
Certificates of Deposit (Minimum Deposit $1,000) |
||
31 Day |
.20 |
.20 |
91 Day |
3.505 |
3.55 |
6 Month |
3.650 |
3.70 |
9 Month |
3.310 |
3.35 |
12 Month |
3.410 |
3.45 |
13 Month |
3.980 |
4.05 |
15 Month |
3.700 |
3.75 |
18 Month |
3.215 |
3.25 |
21 Month** |
3.455** |
3.50** |
23 Month (Step-Up) |
2.72 |
2.75 |
24 Month |
2.97 |
3.00 |
30 Month |
2.380 |
2.40 |
36 Month |
2.530 |
2.55 |
42 Month |
2.72 |
2.75 |
48 Month (Step-Up) |
2.72 |
2.75 |
60 Month |
2.82 |
2.85 |
* The Interest Rates and Annual Percentage Yields ("APY") are accurate and effective as of the date(s) shown at the top of this page. Except for Certificates of Deposit (excluding the 23 and 48 month Step-Up), the accounts above are variable rate accounts and, at the Bank's discretion, rates and yields are subject to change without notice after the account is opened. Fees may reduce earnings on the account. For Certificate of Deposit, a penalty may be imposed for early withdrawal. Step-up CD customers have the option of changing the interest rate one time during each term. The new interest rate paid will be the rate in effect at Harford Bank for Step-up CD accounts on the date the customer exercises the option. If Harford Bank no longer offers Step-up CD accounts, the new interest rate will be the interest rate offered for comparable regular certificates of deposit. See Harford Bank's Consumer Deposit Agreement and Schedule of Current Fees for any terms, conditions, and fees associated with the accounts listed above.
**The 3.50% APY promotional rate is only available for funds not already on deposit with Harford Bank. 21 Month Flexible CDs opened with money already on deposit with Harford Bank will earn a rate of 3.115% with an APY of 3.15%. A Harford Bank DDA is required to open a 21 Month Flexible CD.
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