Savings Accounts

Whether you’re looking to save for retirement, a special event, or even unforeseen expenses, Harbor has you covered. At Harbor Community Bank, we take pride in playing an active role within the local communities we serve. In honor of this proud tradition, we use the “Hometown” touch with many of the products we offer.

Key Features

  • Free ATM Card
  • 24-hour Telephone Banking
  • Direct Deposit
  • Mobile Deposit
  • Automatic Deposits & Transfers from Checking

Call or stop by your local branch today, and let one of our friendly, knowledgeable bankers help you find a solution to suit your needs.

Savings Options

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Hometown Savings

Earn interest without sacrificing liquidity or access to your funds. A Hometown Savings account provides you with a competitive interest rate and a low minimum monthly balance to make saving a little easier.

Hometown 50 Savings

Perfect for individuals 50 years of age or older who may be on a fixed-income, Hometown 50 Savings earns a competitive interest rate and has no minimum balance requirement or monthly maintenance fees.

Hometown Youth Savings

With no minimum balance requirement or monthly maintenance fee, Hometown Youth Savings is the perfect tool to teach children under 18 how to save for their future. As they grow, so will their savings!

Credit Builder Savings

As part of Harbor’s Credit Builder Loan Program, a Credit Builder Savings account will help you build or repair your credit! Stop by one of our convenient locations to learn more about this unique program.

Holiday Club Savings

Say goodbye to high credit card bills with high interest rates at the end of each holiday season. With no minimum balance requirement or monthly maintenance fee, Harbor’s Holiday Club Savings account pays you interest on balances up to $5,000 and helps you save as much as you need by restricting access to your funds until November, just in time for the holiday shopping season!

Hometown Money Market

Like a traditional checking account, a Hometown Money Market account gives you easy access to your funds when you need it most, yet transactions are limited. These limits encourage you to save money while you earn a more competitive interest rate than a traditional savings account can offer.

Health Savings Accounts (HSA)

An HSA is a tax-exempt savings account that lets you earn interest while you save money for health-related expenses such as insurance deductibles, copayments, and other out-of-pocket costs. To make payments to your healthcare providers easy and convenient, you will receive checks and a unique HSA debit card when you sign up for a Health Savings Account with Harbor. Certain limits and tax restrictions apply (see IRS limits and restrictions here). Applicants must be covered under a high-deductible health plan (HDHP) to qualify. Please consult your tax advisor to see if a Health Savings Account is right for you.

Personal IRAs

Saving for retirement has never been easier. Ask your local Harbor Community Bank representative about our Hometown IRA Savings1 deposit account. It is perfect for anyone who wants to roll over an existing IRA into an FDIC insured account.

Key Features

  • Low minimum deposit requirement
  • No bank withdrawal penalties2
  • FDIC insured

Visit your local Harbor Community Bank to learn more!

1 IRA CD options available
2 IRS tax penalties on early withdrawl may apply

Certificates of Deposit

Certificates of deposit (CDs)1 offer customers and businesses an easy way to save for both short-term and long-term goals. At Harbor, we offer competitive rates and the peace of mind knowing your principal funds are secure. Early withdrawal penalties apply.

Key Features

  • Automatic Renewal
  • FDIC Insured
  • Fixed Rates
  • Flexible Terms
  • Low Minimum Deposit Requirement

Please visit our WEALTH page for additional investment products and services.

Visit your local Harbor Community Bank to learn more.

1 IRA CD options available. Early withdrawal penalties apply.


At Harbor we offer more than basic checking and savings account solutions.

Foreign Currency Exchange

  • Low exchange fee
  • $200 minimum exchange amount
  • Fast, convenient service (currency typically available within two business days)
  • Foreign currency available from over 80 popular countries

*Harbor Community Bank does not provide or buy back foreign coins. Currency exchange rates change daily. Please visit your local branch to learn more.

Notary Service

This complimentary service is available to current Harbor Community Bank customers.

Contact your local branch today.

Order Checks

  • Order in person
  • Contact Harland Clarke at 1-800-503-2345
  • Order online at*
  • Mail in your order form to Harland Clarke using the address provided on the form

*Note: Online option not available if your mailing address has changed.

Overdraft Protection

Protect your account with a secondary Harbor deposit account or a Harbor line of credit.

Contact your local branch today to learn more.

Safe Deposit Boxes

  • Choose a size to suit your needs
  • Protect your valuables against fire or theft
  • Boxes available at select branch locations

Contact your local branch for sizes and availability.


Receive or transfer money quickly and securely using your account. We offer wire transfer services for our customers to destinations both foreign and domestic.

For outgoing wires, please visit any of our branch locations.