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Rates Calculator

Invest in a sure thing with a HarborLight share certificate. The longer you wait, the better your rate.

Not a member? Click the Apply Now button below.

Key Features

  • Fixed Rates
  • Convenient Terms
  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Dividends are compounded and paid monthly
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 6 months to 5 years)
  • No setup or maintenance charges
  • Early withdrawals subject to penalty1
  • Renews automatically upon maturity after 10-day grace period
  • $500 minimum deposit to open Regular CD
  • $25 minimum deposit to open a Save To Win CD
  • $50,000 minimum deposit to open Jumbo CD

Get an Even Higher Rate with PerkPoints

PerkPoints reward you just for doing business with us. The more you use HarborLight for your borrowing and banking needs, the more points you’ll earn. The PerkPoints program is free to all members and it’s automatic.

Learn more about PerkPoints.

1If early withdrawal of principal is necessary, withdrawal amount cannot be less than $1,000 or CD must be fully withdrawn.

Early withdrawal penalties include forfeiture of a set number of days interest on the entire principal balance as determined by the term length of the certificate as follows:

Term Interest Penalty
1 Year or Less 90 Days
More than 1 Year 180 Days

No early withdrawal penalty will be assessed if the principal is withdrawn due to the death of any joint party to the certificate.

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