Certificates

Maximizing your returns, minimizing your risks

Certificates are a convenient way to earn a generally higher dividend rate with low risk—when you deposit your money for a specific time period.

Choose From	Terms	Minimum To Open	What It Offers
Traditional	Choose from a variety of terms	$500	Premium dividend rates Automatic renewal option Jet Set rates available on qualified certificates Certificate-secured loans available
Flexible	Choose from a variety of terms	$10,000	Premium dividend rates Automatic renewal option Jet Set rates available on qualified certificates Add-on option: Deposit funds to a certificate a maximum of one time per term ($500 min/$25,000 max) May bump up rate one time per term Early withdrawal/closeout penalty will be waived one time after 6 months.
Jumbo	Choose from a variety of terms	$75,000	Premium dividend rates Automatic renewal option Certificate-secured loans available

Jet Set members may earn a 0.25% higher dividend on qualified certificates.
Ask your member service representative for more details

All Harborstone certificates (except IRA certificates) feature partial certificate withdrawal privileges. You can access funds when needed without having to close your entire certificate, as long as the minimum opening balance is maintained. Early withdrawal penalties apply only to the amount withdrawn.

In addition to partial certificate withdrawal privileges (except on IRAs), all Harborstone certificates offer the following features:

• Free 24-hour Online Banking providing real-time access for inquiries
  24-hour access to your account with free Money Express telephone banking
  Dividends are calculated daily and paid monthly
  Dividends may be compounded or transferred
  Insured to $350,000 (combined savings, checking, money market, and certificates insured up to $350,000 by NCUA and ESI); IRAs are insured separately for up to an additional $350,000 by the NCUA and ESI
• 10-day grace period

VIEW CURRENT RATES

OPEN A CERTIFICATE ONLINE OR BY PHONE:

Just check Certificates on the Product/Service E-Mail Request Form and submit it to us. Or call member service at (253) 584-2260 or 1-800-523-3641.

There is a substantial penalty for early redemption of a certificate which may affect the principal amount of your certificate. Early withdrawal penalties range from 30–90 days of dividend earnings. Rates are subject to change weekly, usually on Thursdays. Rates and terms may change at any time. Your combined savings, checking, money market, and certificate accounts are federally insured to $100,000 by the National Credit Union Administration (NCUA), a U.S. government agency, and an additional $250,000 by Excess Share Insurance (ESI), a private insurer.
 

Your Funds Are Insured Your combined money market, certificate, savings, and checking accounts are federally insured to $500,000, including $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency, and an additional $250,000 by Excess Share Insurance, a private insurer. All IRA savings and IRA certificates are insured to $500,000, including $250,000 by the NCUA and $250,000 by ESI.