Harborlight Trust | Fixed Deposits

Fixed deposits lock in a guaranteed rate for a set term, giving you predictable growth with no market risk. Choose a term, deposit once, and collect your interest at maturity.

5.25% Top rate p.a.

$500 To start

100% Guaranteed

250k FDIC insured

Choose a deposit term

6-Month Deposit

Short-term security with a guaranteed rate.

4.00% Interest (p.a.)

6-month fixed term
Guaranteed rate for the full term
Minimum deposit $500
Automatic rollover option

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12-Month Deposit

Our most popular term with a higher rate.

4.75% Interest (p.a.)

12-month fixed term
Higher guaranteed rate
Minimum deposit $1,000
Interest paid at maturity

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24-Month Deposit

Maximum returns for longer-term savers.

5.25% Interest (p.a.)

24-month fixed term
Best available rate
Minimum deposit $2,000
Interest paid annually or at maturity

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Everything included

Guaranteed Returns

Rates are fixed for the entire term.

FDIC Insured

Deposits insured up to $250,000.

Auto Rollover

Renew automatically at the current rate.

Manage Online

Open, view and track deposits in the app.

Rates & fees

Detail	Value
6-month term	4.00% p.a.
12-month term	4.75% p.a.
24-month term	5.25% p.a.
Minimum deposit	$500
Interest payment	At maturity
Early withdrawal	Reduced rate applies

How to open in four steps

Choose a term

Pick 6, 12 or 24 months.

Fund your deposit

Deposit once from your checking account.

Lock your rate

Your rate is guaranteed for the full term.

Collect at maturity

Receive interest and principal automatically.

Frequently asked questions

Early withdrawals are allowed but earn a reduced rate for the term completed.

Your deposit rolls over automatically at the current rate unless you tell us otherwise.

Yes. The rate is fixed for the entire term, regardless of market changes.

Open a fixed deposit

Lock in a guaranteed rate today and grow with certainty.

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