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Vehicle Loans
 
You read that right! In 2018, we wanted to pay off one lucky member’s auto loan balance, up to $25,000, if it was booked through Harborstone by December 7, 2018. Last month, we announced our winner on Facebook!

Congratulations to the Gibson family! We appreciate your membership and hope you enjoy your payment-free vehicle.

Are you in the market for a vehicle? Log in to Online Banking or the mobile app and visit the Loan Center to see if you’re preapproved. Otherwise, 
learn more and apply today!
 
 
Traditional vs. Roth IRAs
TRADITIONAL VS. ROTH IRAS
 
As we near the end of tax season, we are often reminded about options to save for our future, particularly retirement. Many people decide to open individual retirement accounts during tax season because of the possible benefits, both now and in the future, depending on the type of IRA.

Traditional IRAs, which were created in 1974, are owned by roughly 35.1 million U.S. households. Conversely, Roth IRAs were created as part of the Taxpayer Relief Act in 1997, and are owned by nearly 24.9 million households.1

Both are IRAs. And yet each is quite different…
 
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Harborstone Rates
 
 
Security
AVOIDING IRS SCAMS
 
As national attention is focused on the debate about the effects of the new tax reform bill, one thing we can agree on: The IRS tax deadline is Monday, April 15. The season is open for IRS scams.

There are some familiar cons lingering on the tax season landscape and a few new twists in the tax scam game. Past seasons’ scams have heavily targeted taxpayers. This year, scams targeting HR professionals, tax preparers, and small businesses are picking up steam…
 
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Home Loans
A HOME LOAN OPTION TO FIT YOUR BUDGET
 
Purchasing a home can be a daunting next step in your life. What can you really afford? How are you supposed to save for your down payment? What if you don’t put 20% down? Luckily, Harborstone has an option to mitigate all of these concerns: our Portfolio Advantage Plus 5/5 ARM.

Our Portfolio Advantage Plus 5/5 ARM comes with some amazing features and benefits—no down payment required, low initial rate, and no private mortgage insurance (which can normally tack on an average of $190 to your monthly payment). While the rate is adjustable, it can increase only once every five years, with a maximum of 2% per adjustment and a lifetime adjustment cap of 5%. If this sounds like the right option for you, apply now! Or give us a call to discuss your options and determine if this would be the right one for you.
 
 
Love My Credit Union Rewards
 
 
Cash Management
IN THE COMMUNITY
 
At Harborstone, we are firm believers in helping the communities we serve prosper. During the first part of the year, we helped a variety of nonprofits that benefit western Washington and the people who live here. On Martin Luther King, Jr. Day, a group of Harborstone volunteers assisted the Auburn Senior Center and Food Bank with cleaning and organization of the facility. Another volunteer group accomplished similar tasks for Mary Bridge Tree House in mid-February. We were also happy to assist organizations like Susan G. Komen and United Way of Pierce County.

Want to stay up to date on our community involvement? Follow us on Facebook, Twitter, and Instagram!
 
 
Business Services
WE'VE SIMPLIFIED YOUR BUSINESS DEPOSITS
 
Businesses can now deposit checks anytime, anywhere with the Harborstone Cash Management app for Apple and Android users!
  • Save a trip to the branch or ATM.
  • Deposit checks into your checking account with just a few taps and camera clicks.
  • See the status of your submitted check deposits with the deposit check history.
  • Rest assured, it’s as safe as our Online Banking and consumer app!
Remember, you must be a Harborstone Cash Management user to take advantage of the business Cash Management app. For more information on what Cash Management has to offer, click here! Or give us a call at (253) 583-9727 or 1-800-634-6506 to see how we can help your business succeed.
 
 
Investment Services Quarter Notes
INVESTMENT SERVICES QUARTER NOTES

The first tax filing season following the Tax Cuts and Jobs Act of 2017 is about to begin. There has been much worry in some quarters about the likely effects of this tax reform legislation. Now we will move beyond perception into reality. Here’s a rundown of the key changes individuals will be working with this year.
  • Fewer itemized deductions. Many expenses that were formerly deductible will no longer have that status. Moving expenses and tax preparation fees, for example, can no longer be written off…
 
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