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Auto Loan Refinance
Harborstone is offering a special promotion to those who refinance their auto loans with us from another financial institution by September 30, 2019. If you refinance your auto loan with us, you can receive up to 90 days of no payments, plus $200 to show our appreciation.* And remember, qualifying auto loans come with the option to skip two payments each year.

You may already be preapproved for an auto refinance! Log in to your Online Banking or the mobile app and check the Loan Center. Otherwise, apply today.
Home Loan Application
The homebuying process can be long and difficult. With all the things that can go wrong, it might feel like you’re going in blindfolded. Harborstone can help shed some light as we guide you every step of the way so that you always know what’s next.

Whether you’re a first-time buyer or back in the market, your home purchase probably won’t be anxiety-free. But we can make it better! The best way to reduce stress is to know what’s ahead. We know what’s ahead, and we’re here to help you get to the finish line—move-in day—with less stress. Way less.

August Special: We’ll pay your origination fee! Save even more and get cash back with Harborstone’s HomeAdvantage® program. You can get $1,500 cash back on average!** This offer could save you thousands on your home purchase. Click here for more information.
How can fraudsters get my personal information? How can I help prevent it?
Recently, Capital One announced that the personal information of over 100 million people had been exposed by a hacker. Although the investigation is still ongoing, it is important to be cautious and vigilant when it comes to your personal information—whether or not you think you were impacted by the breach. Here are a few key tips and facts to help keep your accounts and information safe, especially during times like these when we become aware of large-scale breaches:
  • Text alerts from Harborstone warning about suspicious activity will never include a link to click. A valid notification will ask for a reply instead.
  • Our fraud text alerts are from a five-digit number, not a 10-digit number.
  • We will never ask for your card’s PIN or three-digit security code.
  • A phone call from Harborstone’s automated dialer will include a request for your ZIP code only, unless you confirm that a transaction is fraudulent.
  • Regularly check your account online to see if there are any suspicious transactions, especially if you are unsure about a call or text message you’ve received.
For more tips and information about Harborstone’s practices or information security, click here.
Harborstone Rates
Student Loan Counseling
Many of us are impacted by student loan debt. According to Forbes, current and former students in the U.S. owe $1.5 trillion, with an average debt of over $28,000. Over 5 million student loan borrowers are a year or more behind on payments. We understand the impact student loans can have on members’ budgets. That’s why Harborstone and GreenPath™ Financial Wellness have teamed up to offer student loan counseling. Our experts can:
  • Review your payments and payment options
  • Help you understand the pros and cons of each option
  • Develop a plan and provide unbiased advice
  • Help you submit any necessary paperwork to your student loan provider
  • Contact your loan servicer and advocate for you until a solution is reached
Remember, you’re not alone—and we’re here to help. To learn more, visit our financial wellness portal or call 1-877-337-3399 to get started.
Four Reasons Millennials Need an Estate Strategy
You’re young, have little in savings, and likely have no one yet relying on you financially. So why do you need to think about estate management?

Here are four great reasons:

You need a will. You may ask why a will is important if there’s not much to pass on. A will is not just about transferring assets. It can be used to accomplish other tasks, such as naming who should manage your social media accounts once you’re gone or inherit items you’ve accumulated, like collectibles or your car…
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Cash Management
Managing a business is hard enough. Let us equip you with the tools you need to make your day-to-day business tasks easier! With Harborstone’s Online Cash Management, we give you the power to:
  • Add multiple online users to help manage your accounts, even if they aren’t account signers
  • Streamline and complete ACH transactions and wires from the comfort of your home or office
  • Manage your payroll electronically
  • Track and pay your bills with our convenient online dashboard (which also saves you money on checks and stamps!)
  • Set up automatic account sweeps
  • Reduce the risk of check fraud with our check monitoring tool, Positive Pay
Questions? Wondering if this is the right fit for you? Contact Gabrielle Kirchner, our Cash Management Officer, at (253) 241-1268 or gabrielle.kirchner@harborstone.com.
Your Child’s Online and Social Media Safety

Your child was born into a world that offers instant, limitless access to information through an online universe. It’s a big, magical world, and it offers tremendous opportunity—but it also requires emotional and critical-thinking skills to stay emotionally, mentally, and even physically healthy. Your children will be exposed to online situations for which they are not emotionally prepared and don’t have the maturity to understand.

Your Children’s Online Landscape

Social media is an important and integral part of children’s lives. The best part of the social media experience is that it presents your children with new ideas and the opportunity to learn new skills…
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(253) 584-2260  |  1-800-523-3641  |  harborstone.com
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Insured by NCUA. Equal housing opportunity.

Auto Refinance Special: All loans, rates, and terms are subject to credit approval, are subject to change at any time, and must meet Harborstone Credit Union lending policies. Special offer is valid for loans with terms up to 84 months.

*Member must have a credit score of 640 or higher to qualify for 90 days of no payments. Interest will accumulate during this 90-day deferral period. The $200 incentive will be credited to member’s savings account within 30 days of the loan refinance.

Estate Strategy: The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG, LLC, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2019 FMG Suite.

Financial Counseling: While many services are free, a fee may be associated with our student loan counseling. Contact GreenPath Financial Wellness at 1-877-337-3399 for more information.

**Home Loan Special: Special offer applies to home loan purchase and refinance transactions. The no origination fee promotion does not apply to government (FHA, VA, USDA) loans. All loans are subject to credit approval and other underwriting criteria. Some restrictions apply. Home loan programs, terms, and conditions are subject to change without notice. Harborstone Credit Union reserves the right to terminate this offer at any time without notice. For full details about Harborstone’s HomeAdvantage® program and how to get cash back, click here.
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