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Harborstone Credit Union

Harborstone Credit Union Locations
9611 Gravelly Lk Dr Sw
Lakewood, WA 98499
253-584-2260
www.harborstone.com

NCUA

Harborstone Credit Union is headquartered in Tacoma and is the 13st largest credit union in the state of Washington. It is also the 265th largest credit union in the nation. It was established in 1955 and as of December of 2012, it had grown to 173 employees and 53,103 members. Harborstone Credit Union has a 5-star health rating.

Harborstone Credit Union Routing Number: 325180870

Related Posts

Harborstone Credit Union Announces Major Reward Checking Changes For May 2013 (Forum) - 4/4/2013

Harborstone Credit Union has sent letters to members informing them of changes being made May 1, 2013 to its Breakfree Rewards Checking Account. In summary, the balance cap is being slashed from $50K to $20K. The credit union is hoping a rate increase fro

Updated Review of Harborstone's Reward Checking Account - 1/25/2013

As I was looking for good deals on reward checking accounts, I came across one that I first reviewed three years ago. It's the BreakFree Checking account at Harborstone Credit Union . There are two re ...

3.00% Reward Checking Account at Harborstone Credit Union in WA - 1/6/2010

Harborstone Credit Union has a high-yield reward checking account called BreakFree Checking. It offers the following rates and features if certain monthly requirements are met:3.00% APY on balances up to $50,0000.05% on portion of balance over...

5.53% 9-Month CD at a Washington State CU (Harborstone) - 6/5/2007

Harborstone Credit Union is offering a special 5.53% APY 9-month certificate. The minimum deposit is $10,000 and at least $5,000 of it must be new money.Field of membership includes those who live, work, or worship in the state of Washington. Also...



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See Rates for: Checking | Savings | Money Market | CD | IRA

Harborstone Credit Union Checking Account Rates

ApyMinMaxProduct
2.95%-$20kBreakFree Checking
0.50%$100k-Business Analysis Checking
0.25%$10k-Ultimate Value Checking
0.15%-$10kBusiness Interest Checking

Harborstone Credit Union Savings Account Rates

ApyMinMaxProduct
0.40%$100-IRA Savings
0.40%$100-Roth IRA Savings
0.40%$100-Coverdell Education Savings Account
0.15%$25-Savings
0.15%$25-Holiday Savings
0.15%$25-Set Aside Savings
0.15%--Business Savings

Harborstone Credit Union Money Market Rates

ApyMinMaxProduct
0.55%$100k-Business Money Market
0.35%$50k-Money Market Account

Harborstone Credit Union CD Rates

ApyMinMaxProduct
1.62%$500-48 - 60 Month Jet Set Certificate
1.51%$500-48 - 60 Month CD
0.95%$500-36 - 47 Month Jet Set Certificate
0.85%$500-36 - 47 Month CD
0.65%$500-30 - 35 Month Jet Set Certificate
0.60%$500-24 - 29 Month Jet Set Certificate
0.55%$500-30 - 35 Month CD
0.50%$500-24 - 29 Month CD
0.50%$75k-12 - 17 Month Jumbo CD
0.50%$75k-18 - 23 Month Jumbo CD
0.40%$100-VFF_6 Month CD
0.40%$75k-6 - 11 Month Jumbo CD
0.40%$500-Business 12 - 17 Month Certificate
0.40%$10k-12 - 17 Month Jet Set Add-on, Bump-up Flex CD
0.35%$500-12 - 17 Month Jet Set Certificate
0.35%$500-18 - 23 Month Jet Set Certificate
0.25%$500-12 - 17 Month CD
0.25%$500-18 - 23 Month CD
0.25%$500-Business 6 - 11 Month Certificate
0.25%$500-6 - 11 Month Jet Set Certificate
0.15%$500-6 - 11 Month CD
0.15%$10k-12 - 17 Month Add-on, Bump-up Flex CD

Harborstone Credit Union IRA Rates

ApyMinMaxProduct
1.56%$500-5-Year Fixed Rate IRA Certificate
1.56%$500-5-Year Fixed Rate Roth IRA Certificate
1.56%$500-5-Year Fixed Rate CESA Certificate
0.60%$100-2-Year Fixed Rate Accumulator Add On, Bump Up IRA Certificate
0.60%$100-2-Year Fixed Rate Accumulator Add On, Bump Up Roth IRA Certificate
0.60%$100-2-Year Fixed Rate Accumulator Add On, Bump Up CESA Certificate
0.50%$500-18-Month Fixed Rate IRA Certificate
0.50%$500-18-Month Fixed Rate Roth IRA Certificate
0.50%$500-18-Month Fixed Rate CESA Certificate
0.40%$100-1-Year Fixed Rate Accumulator Add On, Bump Up IRA Certificate
0.40%$100-1-Year Fixed Rate Accumulator Add On, Bump Up Roth IRA Certificate
0.40%$100-1-Year Fixed Rate Accumulator Add On, Bump Up CESA Certificate

Rates updated: 5/23/2013

Data for Q4 2012


Institution Statistics


HARBORSTONE
NCUA #66399
BankRate ReportView
Year Chartered1955
Employees173
Primary Regulator

Assets and Liabilities

Assets$792.71 million
Loans$406.78 million
Deposits$677.05 million
Equity Capital$94.69 million
Loan Loss Allowance$7.64 million
Unbacked Noncurrent Loans$5.05 million
Real Estate Owned$673,000

Historic Data - December 2011

Assets$757.46 million
Equity Capital$90.41 million
Loan Loss Allowance$8.26 million
Unbacked Noncurrent Loans$2.63 million
Real Estate Owned$1.60 million

Profit Margin - Quarterly

Net Interest Margin4.04%
Return on Assets0.75%
Return on Equity6.26%
Interest Income$24.84 million
Non-Interest Income$12.63 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Harborstone Credit Union had $5.72 million in non-current loans and owned real-estate with $102.32 million in equity and loan loss allowances on hand to cover it. This gives Harborstone Credit Union a Texas Ratio of 5.59% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Harborstone Credit Union held steady from 4.29% as of December 31, 2011 to 5.59% as of December 31, 2012, resulting in a negative change of 30.31%. This indicates that the balance sheet and financial strength for Harborstone Credit Union has held steady in recent periods.
Deposit Growth4
In the past year, Harborstone Credit Union has increased its total deposits by $27.39 million, resulting in 4.22% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Harborstone Credit Union has shown is above average.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Harborstone Credit Union has $792.71 million in assets with $102.32 million in equity, resulting in a capitalization level of 12.91%, which is excellent.
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Its A Privelage To Bank With HS LOL
1 stars - ikciv - Saturday, March 23, 2013 - 4:08 PM

This bank has some of the most unprofessional employees I have ever seen.  Ego takes presidence.  Stay Clear

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