Earn up to 3.75% APY*
11-Month Certificate Special
- For a limited time, earn 3.75% Annual Percentage Yield (APY)
- When you open with new money†
- Have or open a PNW Cash Back or PNW Premier checking account
- $500 minimum deposit
- Standard, Business and IRA certificate options available
Secure Your Happily Ever After
Secure your money with a standard certificate or prepare for retirement with a Traditional or Roth IRA certificate option.
Your money is insured up to at least $250,000. Secure your happily ever after while your money grows safe and sound. This special rate is available through March 20, 2026.
Open a standard certificate online using the buttons below or make an appointment to open a Traditional or Roth IRA certificate, which you must open in branch.
You may also call us at 1-800-523-3641, stop by any of our branches, or chat with us online by clicking the chat icon in the bottom right of your screen.
Existing Members Login to Open New Members Open OnlineDisclosures
Insured by NCUA. APY = annual percentage yield. IRA certificates are open to personal accounts and must be opened at a Harborstone branch location. Standard certificates are open to personal and business accounts. Personal accounts can be opened online, over the phone, or in person. Business accounts can be opened in person only. *The special 3.75% APY for the 11-month standard or IRA certificates is available only to new and existing Harborstone checking account holders; a 3.50% APY is available for those without a Harborstone checking account. Early-withdrawal penalties may apply. Minimum balance is $500 with a maximum $1,000,000 deposit cap. Certificate specials require new money.† Fees may reduce earnings. New membership must include a savings account with a minimum $5 opening balance. Your savings are federally insured to at least $250,000. Certificate or IRA certificate (including rollovers and/or transfers) must be opened between January 20, 2026, and March 20, 2026, to qualify for the special 3.75% APY (with a Harborstone checking account) or 3.50% (without a Harborstone checking account), and the rates are subject to discontinuation at any time.
†New money is defined as money not on deposit with Harborstone.