Harborstone Credit Union: No One Takes Better Care of You
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Harborstone Rates

At Harborstone, the rates we offer are backed by your credit union membership. The money we earn is paid back to you, in lower fees and better rates on your deposit and loan accounts. Look below to see the current rates on Harborstone products. As a credit union member, you'll save and earn more money on every account we offer. It's another benefit of your membership.

 

First Mortgage Loan Rates

Click here to view today's rates

Vehicle Loan

Apply online for a Vehicle loan, Boat loan, RV loan, or Motorcycle loan.
Effective Date: April 1, 2013

Type of LoanAPRDown PaymentTermsComments
Vehicle Loans (new and used)Rates range from 3.09% to 18%You can choose from a number of financing optionsTerm is determined by loan amount and year of vehicleYour personalized rate will be based on amount of loan and credit qualifications
RV and Boat Loans (new and used)Rates range from 3.99% to 18%You can choose from a number of financing optionsTerm is determined by loan amount and year of vehicleYour personalized rate will be based on the loan amount, your credit qualifications, and the amount you're borrowing.
Motorcycle Loans (new and used)Rates range from 3.99% to 18%You can choose from a number of financing optionsTerm is determined by loan amount and year of motorcycleYour personalized rate will be based on the loan amount, your credit qualifications, and the amount you're borrowing.

RV and Boat Loans
$40k and above–max 85% LTV plus tax, license and warranty.
$20k minimum for terms up to 144 months
$35k minimum for terms up to 180 months
$100k minimum for terms up to 240 months

Visa Credit Card Rates

Click here to learn more about our Visa products, including terms and conditions.
Effective Date: March 2, 2012

Type of LoanAPR
VisaPrime plus 6.47% - 14.74%

All loan approvals must meet Harborstone Credit Union lending policies. Harborstone Credit Union may offer other rates, terms, and fees at any time. Visa APR cannot exceed 17.99%.

Second Mortgage Rates

Effective Date: June 2, 2013

Type of LoanAPRTermsComments
Home Equity Line of Credit4.25% APRLine of credit stays open for 10 years and you have an additional 15 years to pay it backUp to 85% loan to value available
Custom Made Second MortgageRates as low as 5.49% APRFlexible termsUp to 85% loan to value available. Maximum loan amount is $250,000

Savings and Checking Account Rates

Effective Date: April 1, 2014

Type of AccountDividend RateAPY*Compounded and CreditedMinimum Opening BalanceMinimum Monthly Balance
Savings0.15%0.15%Monthly$5$5
Holiday Savings0.15%0.15%Monthly$5$5
Set Aside Savings0.15%0.15%Monthly$5$5
BreakFree Checking Rewards Rate (maximum of $20,000)2.42%2.45%Monthly$25$0
BreakFree Checking Base Rate (maximum of $20,000)0.05%0.05%Monthly$25$0
Ultimate Value Checking0.05%0.05%Monthly$25$0-$4,999
0.15%0.15%Monthly$25$5,000-$9,999
0.25%0.25%Monthly$25$10,000 and up
Teen Checking0.00%0.00%N/A$25$0

See our BreakFree Checking Truth-In-Savings agreement.
See our Ultimate Value Checking Truth-In-Savings agreement.
See our Teen Checking Truth-In-Savings agreement.
See our Savings Accounts Truth-In-Savings agreement.

Certificate Account Rates

Effective Date: October 31, 2013

Type of AccountDividend RateAPY*Minimum Opening BalanceMinimum Monthly BalanceBalance Compute MethodComments
6 - 11 Months0.15%0.16%$500$500365/365Jet Set rate is 0.10% higher
12 - 17 Months0.25%0.25%$500$500365/365Jet Set rate is 0.10% higher
18 - 23 Months0.25%0.25%$500$500365/365Jet Set rate is 0.10% higher
24 - 29 Months0.55%0.55%$500$500365/365Jet Set rate is 0.10% higher
30 - 35 Months0.60%0.60%$500$500365/365Jet Set rate is 0.10% higher
36 - 47 Months1.00%1.00%$500$500365/365Jet Set rate is 0.10% higher
48 - 60 Months1.25%1.26%$500$500365/365Jet Set rate is 0.10% higher
Flexible 12 - 17 Months0.15%0.15%$500$500365/365Add-on and bump-up options.
Flexible 12 - 17 Months Jet Set0.40%0.40%$500$500365/365Add-on and bump-up options.
Flexible 18 Months0.15%0.15%$500$500365/365Add-on and bump-up options.
Flexible 18 Months Jet Set0.40%0.40%$500$500365/365Add-on and bump-up options.
Flexible 36 Months0.15%0.15%$500$500365/365Add-on and bump-up options.
Flexible 36 Months Jet Set0.40%0.40%$500$500365/365Add-on and bump-up options.
Jumbo 6 - 11 Months0.40%0.40%$50,000$50,000365/365Jet Set rates not offered for Jumbo certificates
Jumbo 12 - 17 Months0.50%0.50%$50,000$50,000365/365Jet Set rates not offered for Jumbo certificates
Jumbo 18 - 23 Months0.50%0.50%$50,000$50,000365/365Jet Set rates not offered for Jumbo certificates


See our Regular and Jet Set Certificate Accounts Truth-In-Savings agreement.
See our Jumbo and Flexible Certificate Truth-In-Savings agreement.
 

Money Market Account Rates

Effective Date: June 2, 2013

Balance on AccountDividend RateAPY*Minimum Opening BalanceMinimum Monthly Balance
$1,000 to $9,9990.10%0.10%$1,000$1,000
$10,000 to $24,9990.25%0.25%$1,000$1,000
$25,000 to $99,9990.25%0.25%$1,000$1,000
$100,000 and Over0.35%0.35%$1,000$1,000

A minimum balance of $1,000 is required to earn dividends. If your account falls below the minimum balance, a low $8 per-month-fee will be charged to your account and no dividends will be calculated for the days your balance is below the minimum amount.

See our Money Market Account Truth-In-Savings agreement.

IRA Account Rates

Effective Date: April 3, 2014

Type of AccountDividend RateAPY*Minimum Opening BalanceMinimum Monthly BalanceComments
IRA Savings0.40%0.40%$100$100N/A
1-Year Fixed Rate Accumulator0.40%0.40%$100$100Certificate; Add-on and bump-up options.
18-Month Fixed Rate Accumulator0.50%0.50%$100$100Certificate; Add-on and bump-up options.
2-Year Fixed Rate Accumulator0.60%0.60%$100$100Certificate; Add-on and bump-up options.
5-Year Fixed Rate Accumulator1.20%1.21%$100$100Certificate; Add-on and bump-up options.

See our IRA Accounts Truth-In-Savings agreement.

*APY: Annual Percentage Yield; Fees may reduce earnings

Business Rates
 

Effective Date: March 2, 2012

AccountBalance RequirementRateAPY
Business Savings$100 daily balance0.15%0.15%
Business Money Market$.01-$9,9990.00%0.00%
$10,000 - $49,9990.25%0.25%
$50,000 - $99,9990.35%0.35%
$100,000 and over0.55%0.55%
Business Interest Checking$ .01 - $9,9990.15%0.15%
Business Analysis Checking$.01 - $9,9990.05%0.05%
$10,000 - $24,9990.10%0.10%
$25,000 - $49,0000.15%0.15%
$50,000 - $99,9990.25%0.25%
$100,000 and over0.50%0.50%
6 - 11 Month Certificate$5000.25%0.25%
12 - 17 Month Certificate$5000.40%0.40%


See our Business Membership and Account Agreement.
See our Business Savings and Checking Rate and Fee Schedule.
See our Business Certificate Rate and Fee Schedule.
See our Business Money Market Account Rate and Fee Schedule.

 

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