Harborstone Credit Union: No One Takes Better Care of You

Member Benefits

Your membership has real value, because you're a part owner in Harborstone. The profits we make and the relationships we build are returned to you in better rates, lower fees, and a range of benefit options that are unmatched in the industry.

  • Avoiding Fees
  • Overdraft Protection
  • Financial Counseling
  • Reward Programs
  • Convenience Services

Imagine If You Could Skip a Payment

We understand that sometimes you need a break. That's why Harborstone gives you the option to Skip-A-Payment. If you're a member in good standing, you can "skip" two payments per rolling calendar year on each qualifying vehicle loan or unsecured loan.

When using Skip-A-Payment, keep in mind that:

  • There is a $40 fee each time you skip a loan payment (part of which we proudly donate to good causes).
  • The fee will be debited from your Harborstone deposit account.
  • Your current loan due date is moved forward one month from the present due date (i.e., you will owe your next payment the following month, as usual).
  • Requests must be received seven (7) days prior to the loan due date.
  • ALL accounts must be current, with NO amount past due.

It's simple! Just complete our Skip-A-Payment form, which can be completed online or printed

Please allow a minimum of two business days for your request to be completed.

 Skip-A-Payment Online Form                     Skip-A-Payment Printer-Friendly Form


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By participating in Harborstone’s Skip-A-Payment program, you agree to and understand the following: Loan must be established, with at least three consecutive payments made from the new loan disbursement or since the last payment skipped to be eligible. Delinquent or bankruptcy accounts are not eligible. By skipping your loan payment for one month, you authorize Harborstone Credit Union to extend your final loan payment. Finance charges will continue to accrue on your unpaid balance. You authorize us to debit $40 per loan as a processing fee from your Harborstone checking or savings account. All accounts must be in good standing to take advantage of this offer. Not all loan types will qualify. First mortgage, credit card, home equity line of credit, personal line of credit, second mortgage, and business loans do not qualify. Harborstone Credit Union reserves the right to deny any Skip-A-Payment request. If you are not approved for the Skip-A-Payment, you will be notified in writing. Maximum of two Skip-A-Payments per rolling calendar year, with a lifetime maximum of no more than the number of years the loan is booked. For example, if the loan term is five years (60 months), the maximum is five Skip-A-Payments. Coupon must be signed by member to be valid. The credit union reserves the right to determine if prior subsequent actions may disqualify your loan. The $40 fee may not be added to the loan. If you elected GAP or warranty coverage, the coverage will not be extended beyond the original maturity date. Skip-A-Payment offer expires December 31, 2017.

  • Verified by VISA
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
  • Equal Housing Opportunity
  • Harborstone Credit Union is a BBB Accredited Credit Union in Lakewood, WA
(253) 584-2260 OR 1-800-523-3641
P.O. BOX 4207, TACOMA, WA 98438-0207