Harborstone Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.77% | Reward Checking | BreakFree Checking 1.75% - National Average |
| 0.10% | 1-year CD | 12 - 17 Month Add-on, Bump-up Flex CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.10% | Savings | Savings 1.00% - Ally Bank Online Savings Account |
Harborstone Credit Union is headquartered in Lakewood and is the 10th largest credit union in the state of Washington. It is also the 220th largest credit union in the nation. It was established in 1955 and as of June of 2016, it had grown to 226 employees and 76,875 members at 17 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.
See current membership details
Related Posts
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.
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.
Harborstone Reports Under A Fake Moniker
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.
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.
Post-Merger Chaos
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
Its A Privelage To Bank With HS LOL
This bank has some of the most unprofessional employees I have ever seen. Ego takes presidence. Stay Clear
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66399 |
| Year Chartered | 1955 |
| Employees | 226 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.46% |
| Return on Equity - YTD | 3.81% |
| Annual Interest Income | $19.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $1.16B$1.11B |
| Loans | Q2 2016vs Q2 2015 | $799.8MM$705.0MM |
| Deposits | Q2 2016vs Q2 2015 | $1.01B$966.5MM |
| Equity Capital | Q2 2016vs Q2 2015 | $139.9MM$127.6MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $7.3MM$6.5MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $5.4MM$6.2MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $0$176.00K |
Always verify rates and promotions with the bank or credit union. We are not Harborstone Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.77%* | - | $20k | BreakFree 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.75% | $100 | - | 5 Year Fixed Rate Accumulator Bump Up IRA Certificate | |
| 0.75% | $100 | - | 5 Year Fixed Rate Accumulator IRA Certificate | |
| 0.75% | $100 | - | 5 Year Fixed Rate Accumulator Add On IRA Certificate | |
| 0.35% | $100 | - | 2-Year Fixed Rate Accumulator Add On IRA Certificate | |
| 0.35% | $100 | - | 2-Year Fixed Rate Accumulator Bump Up IRA Certificate | |
| 0.35% | $100 | - | 2-Year Fixed Rate Accumulator IRA Certificate | |
| 0.25% | $100 | - | 1-Year Fixed Rate Accumulator Add On IRA Certificate | |
| 0.25% | $100 | - | 18 Month Fixed Rate Accumulator Bump Up IRA Certificate | |
| 0.25% | $100 | - | 1-Year Fixed Rate Accumulator Bump Up IRA Certificate | |
| 0.25% | $100 | - | 18 Month Fixed Rate Accumulator IRA Certificate | |
| 0.25% | $100 | - | 1-Year Fixed Rate Accumulator IRA Certificate | |
| 0.25% | $100 | - | 18 Month Fixed Rate Accumulator Add On IRA Certificate |
Harborstone Credit Union has 17 locations. Click to view all Harborstone Credit Union locations.