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Harborstone Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.97%Reward CheckingBreakFree Checking
0.10%1-year CD12 - 17 Month Add-on, Bump-up Flex CD
0.10%SavingsSavings

Overview / Commentary
253-584-2260
9611 Gravelly Lake Dr Sw
Lakewood, WA 98499-1515

Harborstone Credit Union is headquartered in Lakewood and is the 9th largest credit union in the state of Washington. It is also the 209th largest credit union in the nation. It was established in 1955 and as of December of 2015, it had grown to 228 employees and 75,653 members at 18 locations. Harborstone Credit Union has an A health rating.

Field of Membership Restrictions

Harborstone Credit Union of Washington is open to the residents, church members, and the people that maintain employment within the entire state, active, retired, and reserve military members, active and retired civil service employees, and the family members of current credit union members.
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Reviews (6)

Charges From The Account

I seem to have a problem with this credit union withdrawing the larger abount first and then a smaller amount.  There have been times where there was enough in my account to pay for the small amount and not get an overdraw fee of $30 but they processed the larger amount first, charged me $30 for that and then took the small amount out and charged me another $30.  Wells Fargo never did this to me.  They always took the smaller amount out.  It used to be a good credit union, when I was with them years ago, but now they are getting to big and they don't care about their customers.  I have done a few test runs with this credit union and everytime the larger amout clears first and then the smaller amout clears.  I will be taking my business else where that does not practice this kind of money making scheme.  

Harborstone Reports Under A Fake Moniker

Posted by: jpoorboy1 | Dec 4, 2015

Harborstone reports to Experian as Harborstone Credit Union. It then reports to Equifax as McChord Credit Union. (McChord Credit Union was bought out by Harborstone in 1984!)
Customer service is aware of the problem and insists that you must go through the dispute process with Equifax to resolve the issue. Harborstone Credit Union is reporting to different credit agencies using two different monikers, thus giving prospective creditors the impression of separate issues.
Check your credit reports with ALL reporting agencies.

Post-Merger Chaos

Posted by: kaviksdad | Jun 19, 2013

I was a member of Prevail prior to the merger. 5 accounts plus credit card & mortgage.

Despite all assurances that nothing would change, I've had nothing but problems. You can't reach anyone, and if by some miracle you do they're unresponsive and unhelpful. Whatever problem I've had it's "That's just the new policy" or "Sorry, there's nothing I can do." I'm getting delinquent notices on my mortgage despite it being current and up to date. Electronic payment transactions now take a week, regardless of whether the payee is part of Harborstone. They also now debits your accounts days before the payee receives electronic fund transfers.

I am now researching a new home for my money and my mortgage. I've already replaced the credit card, and shut off all direct deposits & automatic payments.

Stay away - go to BECU if you want a credit union

Absolutely Horrible

Complete trash. Unprofessional employees. Not to mention they stopped sending me invoices in the mail after a year.

Here's the worst part. After a few years of on time payments, I started to fall a little behind. I talked to them about it, and they seemed understanding. So I started making payments again to get caught back up, and they repossessed my vehicle without warning.

The only good thing about this is that I don't have to deal with them ever again.

Its A Privelage To Bank With HS LOL

Posted by: ikciv | Mar 23, 2013

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

Shambolic Mess Of An Amateur Credit Union STAY AWAY

I came as one of the Prevail customers. Their bill paying software does whatever it wants, whenever it wants. Sometimes it send bills three days early, sometimes a week late. I've called about this several times, gotten NSF fees refunded for those bills sent early, and then have to talk my vendors out of charging me late fees when HS's bill payer doesn't work.

It would take less time to write checks, but since they put an incomplete account number on my membership card, I had to reorder my new check, and don't have them yet.

Right now it's a Thursday at 4 o'clock, and online banking has been down for unscheduled maintenance for hours. Customer service says it's not IT's job to tell them what's up.



Health
A

Health Grade Components

Overall
NCUA #66399
Year Chartered1955
Employees228
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD5.98%
Annual Interest Income$37.5MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$1.15B$1.10B
LoansQ4 2015vs Q4 2014$747.8MM$681.9MM
DepositsQ4 2015vs Q4 2014$1.00B$955.6MM
Equity CapitalQ4 2015vs Q4 2014$131.5MM$125.6MM
Loan Loss AllowanceQ4 2015vs Q4 2014$6.7MM$6.3MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$7.4MM$5.1MM
Real Estate OwnedQ4 2015vs Q4 2014$0$373.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Harborstone Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Holiday Savings
0.15%--Set Aside Savings
0.15%$100-IRA Savings
0.10%--Savings
0.10%--Business Savings

Harborstone Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-Business Money Market
OTHER TIERS: 0.25% $10k - $50k | 0.35% $50k - $100k
0.35%*$100k*-Money Market Account
OTHER TIERS: 0.10% $1k - $10k | 0.25% $10k - $100k

Harborstone Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%*-$20kBreakFree Checking
OTHER TIERS: 0.05% $20k+
0.40%*$250k*-Business Interest Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $100k | 0.25% $100k - $250k
0.25%*$10k*-Ultimate Value Checking
OTHER TIERS: 0.05% Up to $5k | 0.15% $5k - $10k

Harborstone Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$500-48 - 60 Month Jet Set Certificate
0.75%$500-48 - 60 Month CD
0.75%$500-36 - 47 Month Jet Set Certificate
0.65%$500-36 - 47 Month CD
0.60%$500-30 - 35 Month Jet Set Certificate
0.50%$500-30 - 35 Month CD
0.45%$50k-12 - 17 Month Jumbo CD
0.45%$50k-18 - 23 Month Jumbo CD
0.40%$500-24 - 29 Month Jet Set Certificate
0.35%$50k-6 - 11 Month Jumbo CD
0.35%$500-Business 12 - 17 Month Certificate
0.35%$500-36 Month Jet Set Add-on, Bump-up Flex CD
0.30%$500-24 - 29 Month CD
0.30%$500-12 - 17 Month Jet Set Certificate
0.30%$500-18 - 23 Month Jet Set Certificate
0.30%$500-18 Month Jet Set Add-on, Bump-up Flex CD
0.25%$50k-12 - 17 Month Jet Set Add-on, Bump-up Flex CD
0.20%$500-12 - 17 Month CD
0.20%$500-18 - 23 Month CD
0.20%$500-Business 6 - 11 Month Certificate
0.20%$500-6 - 11 Month Jet Set Certificate
0.15%$500-36 Month Add-on, Bump-up Flex CD
0.10%$500-6 - 11 Month CD
0.10%$500-12 - 17 Month Add-on, Bump-up Flex CD
0.10%$500-18 Month Add-on, Bump-up Flex CD

Harborstone Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$100-5 Year Fixed Rate Accumulator Add On, Bump Up IRA Certificate
0.35%$100-2-Year Fixed Rate Accumulator Add On, Bump Up IRA Certificate
0.25%$100-1-Year Fixed Rate Accumulator Add On, Bump Up IRA Certificate
0.25%$100-18 Month Fixed Rate Accumulator Add On, Bump Up IRA Certificate
Locations

Harborstone Credit Union has 18 locations. Click to view all Harborstone Credit Union locations.