Interest Rates
Harford Bank’s Weekly Consumer Deposit Interest Rates
Effective 4/11/2025
Interest Rates Reviewed Weekly
| Account |
Interest Rate% |
APY%* |
| Savings (Minimum balance to open $100) |
|
|
| Regular Statement Savings |
.25 |
.25 |
| Community Money Market Account (Minimum balance to open $100) |
|
|
| Tier I ($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 +) |
4.170 |
4.25 |
clearer
| Account |
Interest Rate% |
APY%* |
| Community Checking |
| Premier (Minimum balance to open $100) |
.02 |
.02 |
| Premier Plus (Minimum balance to open $100) |
.05 |
.05 |
clearer
| Account |
Interest Rate% |
APY%* |
Certificates (Minimum Deposit $1,000)
CD, Traditional IRA, Roth IRA, or Coverdell Educational Savings Account (Minimum Deposit $250) |
| 31 day (Not an IRA) |
.20 |
.20 |
| 91 day (Not an IRA) |
3.845 |
3.90 |
| 6 Month |
3.945 |
4.00 |
| 9 Month |
3.750 |
3.80 |
| 12 Month |
3.700 |
3.75 |
| 13 Month |
3.885 |
3.95 |
| 15 Month |
2.72 |
2.75 |
| 18 Month |
3.505 |
3.55 |
| 21 Month** Penalty Free (New Money Only, $5,000 minimum deposit) (Not an IRA) |
3.360** |
3.40** |
| 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 (Not an IRA) |
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 3.40% 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 3.260% with an APY of 3.30%. A Harford Bank deposit account is required to open a 21 Month Flexible CD.
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