Harborstone Credit Union (WA) 15-Month CD Special Earns 2.53% APY


Deal Summary: 15-month CD Special, 2.53% APY, $5k minimum deposit, new money.

Availability: Residents of Washington State; limited nationwide membership with military relationship or family relationship.

Last month, Harborstone Credit Union (Harborstone) added a 15-month CD Special, earning 2.53% APY. The minimum opening deposit is $5k of new money, which is simply defined as “money not currently on deposit with Harborstone.”

As stated in the Consumer Rate and Fee Schedule the Early Withdrawal Penalty reads as follows:

Amount of penalty is 90 days of dividends for any withdrawal prior to maturity.

There is a 10-day grace period before the 15-month CD Special renews as an 12-17 month CD. If you opt not to renew, maturing funds will be transferred to a Harborstone checking or savings account.


Headquartered in Lakewood, Washington, Harborstone Credit Union’s field of membership (FOM) includes all U.S. citizens and resident aliens who live, work, or worship anywhere in Washington State.

Washington State’s credit unions are unique in that their FOMs (in almost every instance) are open to virtually all residents of the state. Washington State Legislature’s rules on credit union membership limitations are broad and allow for liberal interpretation, resulting in universal membership eligibility, albeit limited to Washington State residents the vast majority of the time.

Harborstone’s exception to the Washington resident requirement are the family members of current Harborstone members, members of the military (active/retired/reserve), and civil servants (active/retired). Those individuals are eligible for membership, regardless of where they live.

Joining Harborstone can be done online or at any of 17 Washington branches located in Bonney Lake, Bothell, Fife, Gig Harbor, Issaquah, Joint Base Lewis McChord, Kent, Lacey, Lakewood (2), Olympia, Puyallup, Seattle, Spanaway, Tacoma (2) and Tukwila.

A CD Special cannot be opened online, but can be opened at any of the above mentioned branch locations or by calling 253.584.2260 or 800.523.3641.

All members have a regular savings—it's your "share" of the credit union and means
you are a part owner: $5 minimum opening balance and $5 one-time membership fee.

Harborstone is a member of the CO-OP Shared Branch and ATM networks.

Our partnership with the CO-OP Network provides you with
access to thousands of ATMs and branches across the country.

Credit Union Overview

Harborstone Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 0.95% (excellent) based on June 30, 2019 data. In the past year, Harborstone has increased its total non-brokered deposits by $39.06 million, an excellent annual growth rate of 3.6%. Please refer to our financial overview of Harborstone Credit Union (NCUA Charter # 66399) for more details.

Founded in 1955 as McChord Federal Credit Union, the original FOM was exclusive to the airmen of McChord Air Force Base. (McChord Field, the precursor to McChord AFB, served as a training site for bomber aircraft pilots who eventually participated in the Allied invasion of Italy, southern France, and the Doolittle Raid.) The Harborstone rebrand occurred in 1996 when the FOM was expanded to include all Washington resident. Two mergers with Prevail Credit Union (2013) and TULIP Cooperative Credit Union (2016) resulted in more branch locations, access to the CO-OP Shared Branching and ATM networks, and a focus on financial counseling. Harborstone Credit Union is currently the 12th largest credit union in Washington, with nearly 80,000 members and assets in excess of $1.3 billion.

How the CD Special Compares

When compared to 228 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within the FOM, Harborstone Credit Union’s 15-month CD Special APY currently ranks second.

The above rates are accurate as of 9/14/2019.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Seattle CD rates, 1-year CD rates

Updated Review of Harborstone's Reward Checking Account

Update 4/4/2013: Harborstone Credit Union has informed members of changes that will be made to its BreakFree Checking Account effective May 1, 2013. Refer to this reader's comment for details.

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 reasons why I thought an updated review would be useful. First, the BreakFree Checking is one of the few reward checking accounts that still have a $50K...

Continue Reading
3.00% Reward Checking Account at Harborstone Credit Union in WA
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 $50,000
  • 0.05% on portion of balance over $50,000
  • 0.05% base rate if requirements are not met
  • Reimbursement of all U.S ATM fees
Note, the rates are listed at the credit union's rates page. The monthly requirements include:
  • 12 Visa debit card purchases
  • 2 online Bill Pay transactions
Additional features of the account regardless of the monthly requirements include:
  • $25 minimum initial deposit
  • No Minimum Balance Requirement
  • No Monthly Maintenance Fee
  • Free...

Continue Reading
5.53% 9-Month CD at a Washington State CU (Harborstone)
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 included are retired U.S. Air Force, Army, Navy, Marine, or Coast Guard personnel living anywhere in the world and retired civil service employees living anywhere in the world. See site for details. Membership requires a one-time fee of $5 and a minimum deposit of $25 into the regular savings...

Continue Reading
iPod Video / Shuffle Bonus at a Washington State CU
Harborstone Credit Union has an Apple iPod special for new members. New members can receive a free iPod shuffle by opening a savings account and checking account with direct deposit. To receive a free 30GB iPod Video, you must open a savings account and a loan of $10K or more.

Here are some important parts of the small print:

Apple iPod Video 30GB ranges from $220 to $320 on Froogle. Apple iPod shuffle ranges from $50 to $100 on Froogle. The credit union promotion doesn't state whether it's a 512MB or 1GB...

Continue Reading

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.