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Here’s how it works

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Connect your direct deposit

We make it easy to move your direct deposit in just a few clicks – the simplest way to grow your balance.

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Keep track of your spending

Do you know how much you actually save? Understand your habits more clearly than ever.

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Build your Interest up to 3% APY

You’ll start at 1.00% APY and begin working towards even better interest rates that match your habits.2

Tier 1

Tier 1

3.00% APY

Saving at least 20%

Tier 2

2.00% APY

Saving at least 15%

Tier 3

1.00% APY

Saving at least 10%

Tier 4

0.5% APY

Saving at least 5%

Savings Tiers are subject to change. Please see our Terms and Conditions..

Savings tiers

Earn a better interest rate with Savings Tiers

Not all savers are created equal, so we reward based on your habits. Earn up to 3.00% APY2 – the best in the industry3 .

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HMBradley Credit card

Earn even more with automated credit benefits

A fixed rate credit card that rewards your top categories with up to 3% in cash back – and helps you earn more interest on your HMBradley deposit account.

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One account

One account.
Now that’s simple.

All your money lives in one, simple account that you can access from our fully-featured mobile app – and all of it earns interest.

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Plan
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Plans

Reach your goals by making a Plan

Set up a saving goal in just a few clicks and start saving for your future with Plans.

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In the news...

Big savers will get the most out of banking with HMBradley. You don't even have to save a huge dollar amount.
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Ready to start saving more?

Open an HMBradley account today, and set your sights on 3.50% APY.1

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  1. In order to achieve the stated 3.50% annual percentage yield for any given quarter on your HMBradley deposit account, you must complete two separate qualifications:
    (1) Qualify for 3.00% APY by meeting the requirements for Savings Tier 1, including a monthly direct deposit and saving at least 20% of all quarterly deposits into your deposit account. Interest is paid monthly. Interest rates are variable and may change without notice. Click here to see current rates and the full Savings Tiers terms and conditions.
    AND
    (2) Qualify for an additional 0.50% APY through the Savings Tier Boost Promotion. You must (a) have an open HMBradley credit card account, (b) spend at least $100 on the credit card each billing period, and (c) have direct deposits into your HMBradley deposit account totaling at least $2,500 each month of the previous quarter. Interest is paid monthly. Offer expires December 31, 2021. Click here to learn more about the HMBradley Deposit Account Savings Tier Boost Promotion.
  2. Learn more about our Savings Tiers and qualifying terms here. Some restriction apply.
  3. According to the FDIC’s Weekly National Rates
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All deposit accounts are provided by Hatch Bank, Member FDIC. The HMBradley Mastercard Debit and Credit Cards are issued by Hatch Bank pursuant to a license from Mastercard, Inc. and may be used everywhere Mastercard debit and credit cards are accepted. Certain restrictions may apply.