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In January, Harborstone members with active debit cards were issued new and improved cards that could be activated starting on January 29. These new cards are complete with new features and technologies, including an updated design and new ways to pay!

As a bonus for members who activate their cards promptly, we will draw three names for three lucky members to win up to $750! We already had one winner for January—activate your card for your chance to be one of the last two winners!

Activate your new card by: And be entered to win:
February 15, 2020 $750
February 29, 2020 $500

And remember, once you activate your card, be sure to switch any automatic payments you have to your new card! This could include insurance, subscriptions, memberships, and retailers that have your saved card information. For more information about your new card, visit harborstone.com/newcard.
Home Equity Line of Credit
A home equity line of credit is the perfect way to get a jump start on your home improvement projects or to revamp your living room décor. From now until March 31, 2020, homeowners can lock in a special rate to make it all happen! Earn a 2.99% APR on a draw of at least $5,000, and your rate won’t expire until March 31, 2021 (4.75%—8.09% APR fully indexed rate).

Remember, HELOCs aren’t just for home improvement projects. Consolidate debt, pay for education expenses, or use your HELOC for something else that’s important to you.

You could already be preapproved for a HELOC. Log in to your online banking and check the Loan Center, or log into the mobile app, tap “More,” and select “Loan Center.” If you don’t see any offers, apply today! You can also make a draw from an existing HELOC.

Remember to visit one of our convenient branches to let them know that you want to take advantage of this offer before you make your HELOC withdrawal!
Locations and ATMs
Personal Line of Credit
Have access to extra funds as soon as you need them! With a personal line of credit, you’ll have the flexibility to transfer funds to your Harborstone account and use them for whatever your needs may be. Pay off those credit cards, cover moving expenses, or just keep money in your back pocket for a time you encounter an unexpected expense. Plus, you can use those funds it as overdraft protection to avoid extended overdraft fees!

You may be preapproved for a PLOC. Log into your online banking and check the Loan Center, or log into the mobile app, tap “More,” and select “Loan Center.” If you’re not preapproved, apply today!
As a Harborstone member, you have exclusive member-only offers that you can take advantage of this tax season! When you use this link to file your taxes with TurboTax, you will earn up to $15 off of federal tax products!

Not looking to pay to file your taxes? TurboTax offers a free filing option, complete with easy prep, print, and e-file. They offer help along the way, so you’re never left in the dark if you have questions.

Start for free today and treat yourself to taxes done right.
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Security Articles
As we begin to dive into another tax season, it is important to understand the prominence of certain scams around this time of year. There are some familiar cons lingering around tax season and a few new twists in the tax scam game. Previous seasons’ scams have heavily targeted taxpayers. This year, scams targeting HR professionals, tax preparers, and small businesses are picking up steam.

IRS Impersonation Telephone Scam

This classic scam is making the rounds again this year. Using fear and a sense of urgency is what makes the IRS fake-call scam particularly cruel…
Read More
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Debit Card Activation: Must be 18 or older as of January 29, 2020, to be eligible. Card must be activated by one of the dates above to be entered into the drawing. Winner will be randomly drawn from all entries received per drawing period. Entry periods are as follows: January 29–31, 2020; February 1–15, 2020; and February 16–29, 2020. Winner will be drawn on the next business day following each entry period and announced the following week. Winner will be contacted by the email or phone number associated with their account at Harborstone. Limit one prize per person. Odds of winning depend on number of entries received. This offer may be withdrawn or changed at any time without notice. Ask a Harborstone team member for further information regarding any applicable fees and terms or conditions connected to using your Harborstone debit card. Winnings will be reported to the IRS on Form 1099-INT at year-end as interest income. Employees of Harborstone, volunteers, and their family members are not eligible for entry.

HELOC Special Offer: APR = annual percentage rate. Borrower requests a single advance of at least $5,000 by March 31, 2020, from borrower’s HELOC to be deposited to one of borrower’s Harborstone Credit Union accounts. The advanced amount will have a fixed 2.99% annual percentage rate. This is a limited-time offer, and the line must be applied, approved, and drawn from by March 31, 2020. Borrower must take a minimum draw of $5,000 from the new HELOC in order to be eligible for the special-offer rate. The special APR of 2.99% will be fixed until March 31, 2021, and is then subject to change. The fixed rate will not exceed that of the current annual percentage rate. Rates are effective as of January 23, 2020. At the end of the promotional period, the variable APR will be calculated using your credit score, with a maximum APR of 12.5% Property insurance is required. All loans and collateral are subject to Harborstone Credit Union lending policies. Rates and terms subject to change at any time.
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