What's Happening

Join Us For Our Annual Meeting

The Harborstone Annual Meeting is set for Thursday, March 1, 2012. As a Harborstone member and part owner, you are invited and encouraged to attend this event. We hope you'll join us!

On the agenda: Meet Harborstone leaders and staff, hear about the organization's vision for the next year, and learn how your credit union is working to maintain a healthy bottom line and make a difference for all of our members.

No RSVP is necessary.

Annual Meeting
March 1, 7 to 9 p.m.
Lakewood City Hall Council Chambers
6000 Main St. S.W., Lakewood
 

The Best Things In Life Are Free

Harborstone Checking Accounts - Great Benefits, Free Debit Cards

At Harborstone, we don't think you should have to pay just to have a checking account. Our checking accounts are free. Just like they should be. 

Better yet, open a BreakFree account and you'll earn great dividend rates, plus get reimbursed for ATM withdrawals anywhere in the country. Sounds like a pretty good deal, doesn't it?

So keep enjoying the free benefits that you get with your Harborstone membership. And be sure to tell your family and friends. The best way to support the free services you love is to keep growing our credit union family. Join today.

Need one-on-one assistance? Visit one of our branch locations.

Where Is Your Money Going? Find Out With FinanceWorks.

FinanceWorks, from the makers of Quicken™, makes building a budget, analyzing spending, and taking control of your finances as easy as a mouse click.

With FinanceWorks, you can:

• Manage your finances in one place. View your complete financial picture, even if it’s spread across multiple institutions and creditors.
• Simplify tax time. Track deductible transactions all year.
• See where you spend your money.
• Pay bills on time. FinanceWorks lets you track bills in one place, no matter how you pay.
• Know where you stand. View your projected balance based on upcoming transactions and deposits.

Learn more in Online Banking, where you can sign up for free FinanceWorks.

Deposit Smarter With The ATM Elite

In 2012, we're updating our entire fleet of ATMs to the new ATM Elite.

The ATM Elite makes your automated transactions easier than ever. You don't have to remember to fill out a deposit slip or bring an envelope. The ATM Elite will take your checks and cash and deposit them quickly. It does the math for you, so you don't have to worry about making an error.

The ATM Elite will:

• Save you time
• Make your transactions quick and simple
• Do the math for you
• Provide instant verification of your deposit
• Give printed photos of your checks on the receipt

Our ATMs will all be upgraded by April 2012. Check back soon to learn when it will come to a branch near you!

It's That Time. Check Out TurboTax.

Every year, Harborstone members discover just how easy — and paper-saving — tax prep can be with TurboTax. Give it a try this year!

Accessing your TurboTax discount is easy. Just sign into your Harborstone Online Banking account and look for the link. If you haven’t signed up for Online Banking yet, it’s simple! You can follow the link on the harborstone.com home page and get registered in minutes.

Once registered, you can choose the TurboTax Online Free Edition or you can opt for Online Deluxe to maximize your deductions. TurboTax integrates seamlessly with Harborstone's new Online Banking platform, and using the complementary finance-management tools — like FinanceWorks, Purchase Rewards, and mobile banking — keeps all your account information at your fingertips.

Investing In A 401k - Money Well Spent

Like a deductible IRA, a 401(k) investment program provides you with an oppor-tunity to have a certain amount of your pay deducted from your taxable earnings and invested in a retirement plan account.

Other reasons for enrolling in a systematic company 401(k) program are:

Great tax-saving benefits. The money you place in a 401(k) program is deducted from your salary before it’s taxed. This means your income is potentially taxed at a lower rate. Your investment is taxed only when you withdraw the money at retirement.

Saving couldn’t be easier. Once your 401(k) retirement program is in place, your specified amount is withdrawn automatically from your paycheck each pay period. As dividends reinvest, they can add to the account’s tax-deferred growth potential.

Your dollars are often matched. Most companies contribute a matching portion of the money you contribute, which is additional cash toward your overall retirement. It’s important for you to find out how much you can con-tribute and to invest enough to obtain the maximum amount your company is willing to match. Some companies match dollar for dollar, while others contribute on a percentage basis.

Bottom line: The earlier you start investing, the better! For investment guidance regarding your 401(k) program, contact your PRIMEVEST Financial Services Registered Representative.
 

PrimeVest Financial Services, Inc. is an independent, registered broker/dealer and registered investment adviser.  Member SIPC/FINRA.  Securities and insurance products offered by PrimeVest: * Not NCUSIF insured * May go down in value * not financial institution guaranteed * Not a deposit * not insured by any federal government agency.   Registered address:  6019 Lake Grove St. SW, Lakewood, WA 98499

View PrimeVest privacy policy and other important information.

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements.  The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate PrimeVest Advisory Services Agreement and disclosure brochure as provided.

Harborstone And Invest In America: A Winning Combination

Harborstone is proud to participate in Invest in America, a unique program offering our members' discounts on products and services from U.S. based companies. It not only gives our members valuable discounts, but it also increases sales for the participating companies and, on a larger scale, helps stimulate the U.S. economy. Basically, Invest in America is a win-win for everyone. 

Simply visit www.LoveMyCreditUnion.org to learn how, as a member of Harborstone, you can receive money - saving discounts from: General Motors, Sprint, Allied Van Lines, FTD, CU Benefits Express, CompleteTax, DIRECTV and through ShopAmerica, a new online mall specifically for credit union members.

Great Rewards For Using Your VISA

Short-term credit, used wisely, can be an excellent financial tool. That's why Harborstone offers a high-quality VISA that can help you smooth out an inconsistent cash flow, budget expenses, and finance large purchases.

The VISA Signature Rewards Card
 

Key features:

• 0% introductory rate
• No annual fee
• Unlimited points and 1% cash back

More benefits:

• Auto rental collision damage waiver
• $1 million travel accident insurance
• No over-limit fees
• Preferred access to popular events
• Hotel upgrades and dining privileges

Apply for your VISA Signature Rewards card.

A Life Without A Mortgage, Sooner
 

Today's low interest rates, combined with uncertain returns on stock-market investments, have made many people consider directing their "investment dollars" toward their home loans. Lenders have seen a quick rise in the popularity of shorter term mortgages, which usually offer great savings compared to longer term loans.

Of course, shorter loans come with higher payments. But a shorter loan will save you tens of thousands of dollars — or more — over the long haul. The quicker payoff means you pay substantially less interest over time. And for many Harborstone members, paying down the mortgage is just one part of a strategy to reduce debt in all categories.

Thinking about a shorter mortgage? A Harborstone mortgage expert can help you sort through all the pros and cons.