Compound Interest Calculator
CD 3-year Account from HarborOne Bank with 4.15% APY and $1,000 minimum deposit



Use or Change These Amounts and Rates

The product CD 3-year Account from HarborOne Bank with 4.15% APY and $1,000 minimum deposit and a tax rate of 30 compounded annually, with an initial amount of $20,000, after 10 years would have grown your savings to approximately $30,035. The interest earned would be $10,035 and the tax amount on the interest earned would be approximately $3,010.

Please note that this analysis assumes a constant interest rate and doesn't take into account any fees associated with the savings account.

The Results for HarborOne Bank

Savings Boost of
$5,938 over 10 years
Cash Savings $20,000
Average Interest Earned $1,086

 
HarborOne Bank Interest Earned $7,024

 

 

See comparison detail table

This analysis is for demonstrative purposes only and may change should certain assumptions prove incorrect. Savings rates may change and CD rates may not be renewable for the length of the term of the analysis. The difference between the bank rate entered and the average rate may not remain constant throughout the term.

Comparison Detail Table Close X

Average Rate Scenario

Rate:
0.75%
Annual
Interest
Annual Interest
(After Tax)
1 20,000 150 105
2 20,150 151 106
3 20,301 152 107
4 20,453 153 107
5 20,607 155 108
6 20,761 156 109
7 20,917 157 110
8 21,074 158 111
9 21,232 159 111
10 21,391 160 112
TOTAL: $1,552 $1,086

HarborOne Bank Scenario

Rate:
4.15%
Annual
Interest
Annual Interest
(After Tax)
1 20,000 830 581
2 20,830 864 605
3 21,694 900 630
4 22,595 938 656
5 23,532 977 684
6 24,509 1,017 712
7 25,526 1,059 742
8 26,586 1,103 772
9 27,689 1,149 804
10 28,838 1,197 838
TOTAL: $10,035 $7,024

Take Action

The accounts below offer some of the best rates in the country can be opened online, and are available nationally. As the calculator shows, changing accounts to earn a higher interest rate can really add up over time.


Recent Rate Changes



Date APY
November 4, 2024 4.15%
September 30, 2024 4.00%
September 22, 2024 4.25%
August 12, 2024 4.60%
August 2, 2024 5.15%
April 2, 2024 5.25%
March 14, 2024 5.00%
February 6, 2024 4.25%
February 6, 2024 1.00%


Featured CD Rates

ONLINE BANKS APY? MIN?

Last change: ↑0.25% on October 28.
6 Month Jumbo CD.

Last change: ↓0.09% on October 17.
3 Month CD.

Last change: ↓0.15% on September 6.

Last change: ↑0.20% on October 28.
Early Withdrawal Penalty is 3 months interest.

Last change: ↓0.25% on October 16.



Customer Reviews for HarborOne Bank


  • January 30, 2020

    CDs 12 Month Rates

    Find branch personnel are genuinely interested in my business.

  • January 30, 2020

    CDs 12 Month Rates

    Have been with Harbor One and Coastway (before merger) and find them efficient, convenient and knowledgable.
    Will continue with my banking relationship with them as I am VERY satisfied with my returns..


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