Login RATES Home Why Harborstone Rates We take pride in the collective ownership of our members. That means our profits go back to you in the form of lower fees, great products, and competitive rates on loans and deposit accounts. Checking & Money Market Savings IRA & Certificate Vehicle Loan Personal Loan Home Equity Line of Credit Home Loan Credit Card Business CHECKING & MONEY MARKET ACCOUNT RATES Account Type Dividend Rate APY Minimum Opening Balance Minimum Monthly Balance BreakFree Checking 0.020% on entire balance 0.02% on entire balance $25 None required to earn APY* BreakFree Checking Rewards Rate (additional earnings when requirements are met) 0.520% (0.50% plus the regular .020%) on daily account balances up to $4,000 0.52% (0.50% plus the regular .020%) on daily account balances up to $4,000 $25 None required to earn APY* Ultimate Value Checking 0.010% 0.01% $25 $0-$4,999* 0.030% 0.03% $25 $5,000-$9,999 0.050% 0.05% $25 $10,000 and over Unlimited Potential 0.000% 0.00% $25 None required to earn APY* Teen Checking 0.000% 0.00% $25 None required to earn APY* Money Market 0.100% 0.10% $25 $0-$9,999, however balances below $1,000 will result in a fee* 0.200% 0.20% $25 $10,000-$99,999, required to avoid monthly fee and earn APY 0.300% 0.30% $25 $100,000-$249,999, required to earn APY 0.400% 0.40% $25 $250,000-$999,999, required to earn APY 0.500% 0.50% $25 $1,000,000 and over, required to earn APY APY = annual percentage yield. Dividends are calculated daily and compounded and credited monthly. *If checking account maintains a zero balance for nine consecutive months, the account will be closed. **New money may be required. New money is defined as money not currently on deposit with Harborstone. Apply Today Full Account Disclosures SAVINGS ACCOUNT RATES Account Type Dividend Rate APY Minimum Opening Balance Minimum Monthly Balance Savings (Includes Minor and Jet Set) 0.020% 0.02% $5 $5, required to earn APY Holiday Savings 0.020% 0.02% $5 $5, required to earn APY Set-Aside Savings 0.020% 0.02% $5 $5, required to earn APY APY = annual percentage yield. Dividends are calculated daily and compounded and credited monthly. Savings accounts are allowed up to six automatic transfers per calendar month. Apply Today Full Account Disclosures IRA & CERTIFICATE ACCOUNT RATES Account Type Dividend Rate APY* Minimum Opening Balance Minimum Monthly Balance IRA Savings 0.050% 0.05% $100 $100 1-Year Fixed Rate Accumulator IRA Certificate 0.300% 0.30% $100 $100 18-Month Fixed Rate IRA Certificate 0.350% 0.35% $500 $100 2-Year Fixed Rate Accumulator IRA Certificate 0.400% 0.40% $100 $100 5-Year Fixed Rate IRA Certificate 0.700% 0.70% $500 $100 6- to 11-Month Certificate 0.200% 0.20% $500 $500 12- to 17-Month Certificate 0.350% 0.35% $500 $500 18- to 23-Month Certificate 0.400% 0.40% $500 $500 24- to 29-Month Certificate 0.450% 0.45% $500 $500 30- to 35-Month Certificate 0.450% 0.45% $500 $500 36- to 47-Month Certificate 0.500% 0.50% $500 $500 48- to 60-Month Certificate 0.700% 0.70% $500 $500 Flexible 12- to 17-Month Certificate 0.350% 0.35% $500 $500 Flexible 18-Month Certificate 0.350% 0.35% $500 $500 Flexible 36-Month Certificate 0.450% 0.45% $500 $500 Jumbo 6- to 11-Month Certificate 0.350% 0.35% $50,000 $50,000 Jumbo 12- to 17-Month Certificate 0.500% 0.50% $50,000 $50,000 Jumbo 18- to 23-Month Certificate 0.550% 0.55% $50,000 $50,000 APY = annual percentage yield. Dividends on all IRA and certificate accounts are calculated daily and compounded and credited monthly. Early withdrawal penalties may apply. Some certificates are available to Jet Set members at a slightly higher rate. See our full account disclosures for details. *Fees may reduce earnings. **New money may be required for certificate specials. New money is defined as money not currently on deposit with Harborstone. You cannot apply for an IRA or certificate online, but visit any of our branch locations or give us call, and we would be happy to get you into the right product. Contact Us Full Account Disclosures VEHICLE LOAN RATES Loan Type APR Auto Loan (new and used) As low as 2.69% RV and Boat Loan (new and used) As low as 5.74% Motorcycle Loan (new and used) As low as 3.24% Toy Loan (new and used) As low as 5.74% Term is determined by collateral year and loan amount for all vehicle types. Your personalized rate will be based on your credit qualifications and the loan amount and term. Apply Today—Auto Loan Apply Today—Other Vehicle Loan PERSONAL LOAN RATES Loan Type APR Personal Line of Credit As low as 7.25% Signature Loan As low as 7.25% Seasonal Loan As low as 7.25% Secured Loan 3.00% + the APY of account securing the loan Rates are based on WSJ prime plus a margin (based on credit qualifications). Rates are subject to change monthly on the first business day of the month. Apply Today HOME EQUITY LINE OF CREDIT RATES Loan Type APR Terms Additional Information Home Equity Line of Credit As low as 4.25% Line of credit stays open for 10 years, and you have an additional 15 years to pay it back Financing up to 95% loan to value available with qualifying credit Rates are based on WSJ prime plus a margin (based on credit qualifications), with a maximum of 12.50%. Rate is subject to change quarterly. Property insurance is required. Apply Today HOME LOAN RATES View Rates | Apply Today CREDIT CARD RATES View Rates | Apply Today BUSINESS RATES Account Type Dividend Rate APY Minimum Opening Balance Minimum Monthly Balance Business Savings 0.020% 0.02% $100 $100 daily balance required to earn APY 6-11-Month Certificate 0.200% 0.20% $500 $500 12-17-Month Certificate 0.350% 0.35% $500 $500 Account Type Dividend Rate APY Minimum Opening Balance Minimum Monthly Balance Business Basic Checking 0.000% 0.00% $100 $0* Business Interest Checking 0.010% 0.01% $100 $0*-$9,999 0.020% 0.02% $100 $10,000-$24,999 0.050% 0.05% $100 $25,000-$99,999 0.070% 0.07% $100 $100,000-$249,999 0.100% 0.10% $100 $250,000 and over Business Money Market 0.100% 0.10% $10,000 $0-$9,999 0.200% 0.20% $10,000 $10,000-$99,999 0.300% 0.30% $10,000 $100,000-$249,999 0.400% 0.40% $10,000 $250,000-$999,999 0.500% 0.50% $10,000 $1,000,000 and over APY = annual percentage yield. *If checking account maintains a zero balance for nine consecutive months, the account will be closed. **New money may be required. New money is defined as money not currently on deposit with Harborstone. You cannot apply for a business account or loan online, but visit any of our branch locations or give us call, and we would be happy to get you into the right product. Contact Us Full Account Disclosures Open an Account Copyright © 2021 Harborstone Credit Union All rights reserved. P.O. Box 4207, Tacoma, WA 98438-0207 Transit/ABA Routing Number: 325180870 Contact Us LOANS Vehicle Loans Credit Cards Home Equity Home Loans Avoid Foreclosure ACCOUNTS Checking Savings IRAs Money Market CONVENIENCE Online Banking Mobile Banking Telephone Banking Locations & ATMs ABOUT Careers Privacy Policy Site Map Disclosures & Agreements