Certificates

Harborstone offers three certificate account options. See below for account details.

Traditional Certificates

• Terms from 6 to 48 months available
• $500 minimum balance required
• Automatic renewal available
• Certificate-secured loans available

Jumbo Certificates

• Terms from 6 to 23 months available
• $50,000 minimum balance required
• Automatic renewal available
• Certificate-secured loans available

Flexible Certificates

• Terms from 12 to 36 months available
• $500 minimum balance required
• Automatic renewal available
• Funds can be deposited once per ter
• You can bump up your rate once per term

Visit our IRAs and Certificates page to learn more about your options. Visit harborstone.com/rates for current rates and fees.

Anyone can appear on your certificate as a joint owner, as long as they become a member first.

Swing by your local branch with your preferred joint owner so we can assist you.

An Accumulator IRA Certificate is a great way to save for retirement at a higher rate without the risk of missing out when rates rise.

The account comes with a variety of benefits, including:

• An accumulator feature allowing members to adjust their rate once per term if rates rise
• A fixed rate, which reduces the risk of losing if rates drop during the selected term
• A low annual fee of just $8
• Up to 26 deposits ($50 minimum per deposit) allowed per year
• A low opening balance of just $100

The following terms are available for Accumulator IRA Certificates:

• 1 year
• 18 months
• 2 years
• 5 years

Visit harborstone.com/rates for current rates and fees.