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Board Of Directors
 
BULLETIN BOARD
 
Throughout the upcoming year, Harborstone’s newsletter will periodically have messages from your Board of Directors called the “Bulletin Board.” These may contain information that is important to you and will help you get to know the board members and their role in representing you, our members. This first Bulletin Board serves more as an introduction to our board and answers the questions What is a credit union? and What makes us different from other financial institutions?
 
Credit unions are not-for-profit financial cooperatives. This means that earnings are paid back to members as dividends rather than paid to stockholders. Another difference is how our directors are elected. These individuals are democratically elected through a voting process in which every Harborstone member is able to participate, regardless of the number of accounts or loans a member has. Every member has an equal voice!
 
Harborstone’s board consists of eight volunteer directors, who help oversee and strategize the credit union’s goals and evaluate efficiencies. As members themselves, our directors strive to make decisions in the best interests of the membership as a whole.
 
Find out more about Harborstone’s Board of Directors.
 
 
Personal Line of Credit
HAVE A HOLLY JOLLY LINE OF CREDIT
 
This time of year can really put a strain on a person’s finances. Gifts, parties, decorations—it doesn’t take long to impact the bank account. It often makes many wonder how they will be able to prepare for holiday expenses.

However, Harborstone can help! With a personal line of credit, you can have revolving backup funds waiting for situations just like this. Instead of worrying about spending your paycheck or bonus all at once, you can use your personal line of credit funds and pay them back over time, making this time of the year a little less stressful. The line stays open, even when you’ve paid it off, so it will be available for you to use when you need it!

Take advantage before the season’s over. Apply online or visit us at a branch.
 
 
Quarternotes
PLANNING FOR YOUR MEDICAL EXPENSES IN RETIREMENT
 
When you plan for your retirement expenses, how much should you allow for medical expenses? These include the cost of premiums for Medicare, as well as out-of-pocket medical spending for deductibles, prescription drugs, and other health services. The answer might surprise you.
 
Read More
 
 
Security and Fraud Education
TWELVE SCAMS OF THE HOLIDAYS
 
Many of us do a lot of online shopping during the holiday season and look for deals on gifts and travel. But be wary—cybercriminals could be there too, waiting for someone to drop their guard. Protect yourself when you browse, click, and buy online so that you can stay clear of these 12 holiday scams.
 
Read More
 
 
Card Acceptance Services
SPRUCE UP YOUR BUSINESS SERVICES

These days, businesses must be up to date on their payment-acceptance capabilities. Now that most customers have EMV chip cards, it’s a critical, and required, part of business owners’ everyday operations. At Harborstone, we offer flexible solutions to meet the card-processing needs of our business members, all at affordable prices. Our card-acceptance services are not only EMV chip-capable but also offer a variety of features and benefits, including:
  • More payment types—Accept all kinds of payment types, from credit and debit cards to foreign cards and checks—even your own gift cards.
  • Payments anywhere—Process payments in-store or in separate locations, like online, by mail, or over the phone.
  • Clear pricing—Straightforward rates and no cancellation fees for businesses with annual card sales between $5,000 and $25,000.
  • MerchantConnect—Manage and monitor payments, sales data, statements, and chargebacks, all with one convenient online reporting tool.
Switching is easy! Call Harborstone Business Services at (253) 583-9727 or 1-800-634-6506 or send us an email.
 
 
Love My Credit Union Rewards
SAVING FOR THE SEASON
 
Many of us are shopping at all different kinds of retailers this holiday season. Why not do it at a discount? Love My Credit Union Rewards offers deals and cash-back rewards for over 1,500 retailers, including Target, Best Buy, and Macy’s, through their Love to Shop program. Currently, members have saved over $1 billion with Love My Credit Union Rewards! Sign up today to start saving.
 
 
In The News
THANK YOU FOR 60 WONDERFUL YEARS!
 
Over the last year, Harborstone has been celebrating our 60th anniversary. Throughout the year, we set out to hear the stories of staff and members who have been around since the very beginning.

We have had the pleasure of meeting with longtime employees and members Carlene, Kathy, Suzanne, Steve, now-retired Nancy, Jeff, the Trujillo family, and Ilene, who have all been around long enough to see much of our growth as an organization. When Harborstone first began as McChord Credit Union in 1955, the branch was described as one tiny room on base. Today there are branch locations in Pierce, King, and Thurston counties.

The atmosphere at Harborstone is often referred to by staff and members alike as “friendly” and “family-like.” Regardless of the many changes the credit union has seen over the years, one thing remains the same: Harborstone cares about the financial success of our members and employees, and that will never change.

Thank you to those who participated in our 60th-anniversary stories. And an additional thank you to all our members. We could not be here without you! We look forward to many more years of serving our members and communities.
 
 
Vehicle Loans
DEALERSHIP SPOTLIGHT
 
Purchasing a vehicle at Larson Chrysler Jeep Dodge Ram in Puyallup means shopping with confidence. At Larson, the staff doesn’t believe in pressuring customers into a sale but in guiding them through a process that allows them to make a well-informed decision. Because of this, customers often refer to the Larson car-buying experience as “amazing” and “smooth”—one that many would recommend!

You can make the process even smoother with Harborstone’s Auto Pass! We can help get your financing taken care of ahead of time, so all you will need to be concerned with at the dealership is which car you want. To apply, simply visit us online or at a branch, or give us a call at 1-800-523-3641 or (253) 584-2260.
 
 
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(253) 584-2260  |  1-800-523-3641  |  HARBORSTONE.COM
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Auto Pass and loans: All loans, rates, and terms are subject to credit approval, are subject to change at any time, and must meet Harborstone Credit Union lending policies. 

Card acceptance services: Elavon is a registered trademark in the United States and/or other countries. All rights reserved. The information discussed is general in nature and may not apply to your specific situation.

Retirement advice: Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Advisory services may only be offered by investment adviser representatives. 
Copyright © 2016 Harborstone Credit Union. All rights reserved. This email was sent to you by Harborstone Credit Union, P.O. Box 4207, Tacoma, WA 98438-0207.

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