Limited-Time 11-Month Certificate Special
Earn up to 4.15% APY** on an 11-Month Certificate
Already a member? Click the Existing Members button below to get started.
New to Harborstone? Click the New Members Open Online button below.
Existing Members Login to Open New Members Open Online
Set It and Forget It
Harborstone offers a limited-time special:
- 4.15% APY** when you open or have a PNW Premier or PNW Cash Back checking account
- $500 minimum deposit
- 11-month term (new money* only)
- Standard and IRA certificate options available
- Standard certificates also available to business accounts
Earnings are insured and guaranteed for a financial decision you can set and forget while your money grows safe and sound.
Secure your money with a standard certificate or prepare for retirement with a Traditional or Roth IRA certificate option. This special rate ends after November 14, 2025.
Open a standard certificate using the buttons below, or make an appointment to open a Traditional or Roth IRA certificate, which must be opened 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. 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 4.15% APY for the 11-month standard or IRA certificates is available only to new and existing Harborstone checking account holders; a 3.90% 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 September 15, 2025, and November 14, 2025, to qualify for the special 4.15% APY (with a Harborstone checking account) or 3.90% (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.