What's Happening

Welcome to What's Happening at Harborstone. Below, you'll find information and links on credit union and community events, current promotions, and the products and services that make your membership valuable. Be sure to check back regularly, as this page is regularly updated with our most current offers. If you ever have any questions, feel free to contact us.

Change in Terms Effective June 1, 2013

Account Service Fees	Current	June 1, 2013
Holiday Savings Early Withdrawal Fee	N/A	$10
Early Closure Fee (if closed within 90 days of opening)	$25	N/A
Reconciliation of Your Account Fee	$25 per hour	$15 per hour
Negative Balance Fee	$6 after 7 days	N/A
Credit Union Check Fee	$4	$3

Wire Service Fees	Current	June 1, 2013
International Bank Wires	$30 outgoing	$40 outgoing
Domestic Bank Wires	$25 outgoing/$15 incoming	$20 incoming or outgoing

Safe Deposit Box Fees	Current	June 1, 2013
3x10	$41	$50
10x10	$108	$80
Late Fee	$5	$10
Lost Key	$5	$10

Annual Rental—Visit harborstone.com for available locations.

Dividend Payments	Current	April 1, 2013
Savings	Quarterly	Monthly

Ordering Checks
First box of checks when opening a checking account is free. Prices vary for reordering checks.

Why Choose The UnBank^®?

What’s the difference between a bank and a credit union? Here at Harborstone, it’s a question we’re asked every day.

And we are happy to have the chance to explain. Because the differences between banks and credit unions—and Harborstone Credit Union in particular—are like night and day.

Harborstone is called the UnBank^® because we approach the business of helping people manage their finances with a particular focus on their needs, their success and our local communities where we live and work.

Philosophy

UnBank^®: We are a community based, non-profit institution, owned by our members. It is our shared, primary purpose to find or create the best deal for the financial success of our member-owners.
Bank: A bank’s primary purpose is to generate earnings per share for its investors.

Responsibility

UnBank^®: We’re on our member's side. We encourage our members to save and use money wisely, help find savings for them and lookout for financial choices in their best interest.
Bank: A bank’s first responsibility is to its shareholders and they see customers as a means to earning more for their investors. In other words, you’re on your own.

Service and Community

UnBank^®: We hold member service in the highest regard. We know that our strength lies in connecting with our community.
Bank: Most banks are not based in the local community, and their employees are required to comply with standard practices designed to maximize the bank’s profits.

Take Harborstone Credit Union with you wherever you go.

Our mobile banking is a fast, free, and secure way to check your account balance and transaction history, transfer funds between eligible accounts, pay bills, and locate an ATM quickly.

To get started, select your mobile device below and log in with the same credentials you already use for Online Banking:

iPhone App Search for "Harborstone Credit Union" on the App Store or download through iTunes.
Android App Search for "Harborstone Credit Union" on Google Play.
Visit harborstone.com on your mobile Web browser.
Add your mobile phone number to your Online Banking account to start enjoying Text Message Banking

Message and data rates may apply from your wireless carrier. Contact and ATM information not available with text message banking. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.

Get Rewarded For Your Everyday Debit Card Purchases

You’re going to make routine purchases with your debit card anyway, so why not get double duty out of the money you spend? Take advantage of Harborstone Purchase Rewards, and get a little something extra in your account each month.

Browse the rewards offers from thousands of national retailers, and click the ones that appeal to you.
The rewards will automatically be loaded on your debit card.
Shop at those stores with your debit card.
Get cash. The total value of your earned rewards will be deposited into your account each month.

What are you waiting for? You can earn Purchase Rewards only if you sign up, and it takes just a minute or two. Log on to Online Banking right now to choose your exclusive cash-back rewards!

Deposit Smarter With ATM Elite

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

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

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 Cetera Investment Registered Representative at (253) 589-8396 or 1-866-237-3764.

Securities, insurance products and advisory services are offered through Cetera Investment Services LLC, member FINRA/SIPC. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is not affiliated with the financial institution where investment services are offered.

View Cetera Investment Services privacy policy and other important information.

Financial Professionals 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.

Member Discounts On Dell, Sprint, DIRECTV, and more!

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.

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.