What's Happening

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!

Investing In A 401(k)—Money Well Spent

Like a deductible IRA, a 401(k) investment program provides you with an opportunity 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 Once your 401(k) retirement program is in place, your specified amount is withdrawn automatically from your paycheck each pay period.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 contribute 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 a registered broker/dealer. Member FINRA/SIPC. PrimeVest is not affiliated with financial institution where investment services are offered. Securities and insurance products offered by PrimeVest: • Not FDIC/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

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. The data available on this site is provided for informational purposes only. Do not rely on this information for tax reporting. Official transaction, account, and tax information is provided separately in your trade confirmations, account statements and tax reports. Past performance is not a guarantee of future results. View PrimeVest Privacy Policy, Statement of Financial Condition and other Important Information.

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.