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Skip-A-Payment
 
Whether you’re looking for extra funds for your next vacation or for something a little more unexpected, Harborstone has simple options for you to easily access the money you need.

If you have a loan with Harborstone, you may be able to skip two loan payments each year with Skip-A-Payment! It’s simple, and it takes as little as 10 seconds to complete your Skip-A-Payment. Log in to your Online Banking and scroll to the Skip-A-Payment section on the homepage. You can also complete a skip on the Harborstone Mobile app by signing in and tapping "More" and "Skip-A-Payment." Learn more about the program or log in to your Online Banking to see if your loan qualifies today!
 
 
Tax Return Not What You Expected? Here’s What You Need to Know.
TAX RETURN NOT WHAT YOU EXPECTED?
 
Tax season is over, and many Americans are reporting smaller returns (if any) than they expected this year. Money that was once used as a “forced savings plan” to pay for big-ticket items, bills, or other expenses is now stretched thin or nonexistent. Many are wondering what they can do now that they don’t have this money to rely on.

Thankfully, Harborstone and GreenPath Financial Wellness are here to help if you find yourself in a tight situation. Check out this article for tips and advice if you’re finding yourself in a pickle post-tax season. If you prefer one-on-one assistance, visit us at hcufinancialwellness.com or speak with one of our financial counselors.
 
 
Harborstone Rates
 
 
New protections available for minors under 16
NEW LAW PROTECTS MINORS FROM IDENTITY THEFT
 
Child identity theft has been a growing issue over the last decade. Each year, about 1 million children and teens are victims of this crime. In September of 2018, a federal law was passed to help combat this issue by allowing parents and guardians of minors who are under age 16 to freeze their credit on behalf of the minors for no charge, restricting access to personal information and making it harder for hackers and thieves to steal identities. Learn more about these new protections, and find out how you can keep your loved ones’ information safe.
 
 
Homebuyer Workshops
YOU'RE INVITED TO A HOMEBUYER WORKSHOP
 
Purchasing a home can feel overwhelming—even a little scary. That’s why Harborstone offers free homebuyer workshops to our members (and nonmembers!) who want to know more about the homebuying process, market conditions, and how Harborstone can simplify things for you.

During this event, we’ll help educate you on the entire homebuying process, with help from a Harborstone-approved real estate agent and a representative from Credit Union Home Mortgage Solutions, our home loan partner. We’ll also discuss some tips and tricks when it comes to searching for and buying a home.

Interested in attending? View all our upcoming workshops and register today!
 
 
Love My Credit Union Rewards
 
 
Business Team
TAKE YOUR TEAM FURTHER
 
Looking for ways to provide more perks for your employees? Harborstone now offers the Preferred Employer Program, available to our business account holders. The Preferred Employer Program provides an exclusive benefits package for our business members’ staff, promoting financial success and empowerment.

When businesses are part of the program, their employees can earn $100 for opening an account with us (along with other incentives and discounts) as well as gain access to tools and resources to:
  • Manage their money and build a savings (most Americans don’t have enough to cover a small emergency)
  • Build their credit
  • Improve their financial stability
  • Purchase a home or vehicle
  • Obtain a checking account, even if they have been denied in the past
  • And more!
For more information about the Preferred Employer Program or to set up a meeting, please contact Gabrielle Kirchner or Galileo Tan, our Preferred Employer Program Managers, at (253) 241-1268 or (206) 310-7204.
 
 
Make Your Accounts Travel-Ready
MAKE YOUR ACCOUNTS TRAVEL-READY
 
Sunblock—check. Walking shoes—check. Whether you’re packing your bags for vacation or you’re headed out for business, take the worry out of your travel itinerary by following a few guidelines to help keep you from becoming a victim of fraud.

Before You Leave Home, Call in the Reinforcements

Your account representatives are your allies. Once you have your itinerary, call your financial institutions and credit card companies to let them know when and where you’ll be traveling…
 
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Upcoming Relay For Life Schedule
JOIN US AT THE RELAY

Since 2010, Harborstone has been actively involved in the American Cancer Society’s Relay For Life. Many of our team members, their families, and our members have been impacted by cancer, and we want to do our part to help those affected by this disease through supporting an organization committed to fighting it.

A couple of ways that we help Relay For Life are by fundraising throughout the spring and summer and by hosting walks in our communities. If you are interested in joining a walk, check out our upcoming schedule and stop by! We hope to see you there.
 
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(253) 584-2260  |  1-800-523-3641  |  harborstone.com
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Equal housing opportunity. Insured by NCUA. APY = Annual percentage yield.

Preferred Employer Program: New membership must include a savings account, checking account, and direct deposit. The $100 deposit will be reported to the IRS on Form 1099-INT at year-end as interest income. Incentive will be credited within one week of the first direct deposit. Harborstone reserves the right to cancel this offer at any time. Cannot combine with any other offers. Offer valid until December 31, 2019. Insured by NCUA. Equal housing opportunity.

Skip-A-Payment: By participating in Harborstone's Skip-A-Payment program, you agree to and understand the following: Loan must be established, with at least three consecutive payments made from the new loan disbursement or since the last payment skipped to be eligible. Delinquent or bankruptcy accounts are not eligible. By skipping your loan payment for one month, you authorize Harborstone Credit Union to extend your final loan payment. Finance charges will continue to accrue on your unpaid balance. You authorize us to debit $40 per loan as a processing fee from your Harborstone checking or savings account. All accounts must be in good standing to take advantage of this offer. Not all loan types will qualify. First mortgage, credit card, home equity line of credit, personal line of credit, second mortgage, and business loans do not qualify. Harborstone reserves the right to deny any Skip-A-Payment request. If you are not approved for the Skip-A-Payment, you will be notified in writing. Maximum of two Skip-A-Payments per year. The credit union reserves the right to determine if prior subsequent actions disqualify your loan. The $40 fee may not be added to the loan. If you elected GAP or warranty coverage, the coverage will not be extended beyond the original maturity date. Skip-A-Payment offer expires December 31, 2019.
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