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Harborstone Investments & Insurance
 
INTEREST RATES GOING UP?
 
In June, the Federal Reserve Board nudged short-term interest rates up another quarter point. It was the third increase in six months, the fourth since the end of the great recession. The financial markets calmly accepted the move back toward normalcy. One or two more upticks may be in store later this year…
 
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Online and Mobile Banking Services
ONLINE BANKING GOT A FACELIFT!
 
If you’ve logged in to your Online Banking recently, you may have noticed some cosmetic updates. Some of these updates include:
  • A refreshing, more modern design
  • Site responsiveness, meaning it will adapt to different screen sizes and different devices more seamlessly
  • A more user-friendly experience
  • Mobile access to tools not available on the app
The way you do your banking will be cleaner and more efficient than ever before. But don't worry. How you complete your Online Banking tasks, like transfers and bill payments, has not changed. Log in today to take a look!
 
 
Vehicle Loans
HIT THE OPEN ROAD WITH A NEW (OR USED) RV
 
Summer’s not over yet, and there’s still time to make the most of it! Whether you’re looking to sightsee down the west coast, travel the country, or simply go glamping with the family, an RV could be just what you need to make it all happen. It’s one of the better ways to travel!

Take Harborstone along for the journey. You may already be preapproved for financing! Log in to your Online Banking and click “My Offers” to see if you have an RV preapproval. You can also log in to the mobile app, tap “More,” and then tap “My Offers.” If you don’t have a preapproval waiting for you, don’t worry. You can always apply online to start the process. Make 2017 the year of adventure!
 
 
Harborstone Credit Cards
YOUR CREDIT SCORE—ANYTIME, ANYWHERE
 
Did you know that you have free access to your credit score anytime when you have a Harborstone credit card? Get brief information from TransUnion’s Credit Review Dashboard and learn what you could do to improve your score! Don’t forget to check out the credit score simulator while you’re there, which demonstrates the potential impact certain activities may have on your score. How would a balance transfer change your credit? What would happen if one of your accounts went into collections? Find out before it impacts your score.

Signing up is easy. Simply log in to Cardmember Service and click “Services” at the top of the page. Under “Information,” select “Free Credit Score.” Then click “Sign Up Now” to register and check your score!
 
 
Home Loan Products
BECOMING A HOMEOWNER—DOWN PAYMENT OPTIONS
 
If you feel overwhelmed about coming up with any extra money, here are a few strategies that can help you save for a down payment.

Look to bring down your other debts, starting with plastic. Carrying a credit card balance with accumulating interest charges results in paying monthly fees to these companies when you could use that money to save for a down payment. It’s not always fun or easy to pay off debts, but it is something that you can control by setting weekly savings goals and following through…
 
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Security and Fraud Education
FRAUD CONTROL WHILE TRAVELING

Whether you’re counting the days until your vacation or you’re a company road warrior, take the worry out of your travel itinerary by following a few guidelines to help keep yourself 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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Business Services
GETTING YOUR CUSTOMERS TO PAY
ON TIME
 
One of the most harmful cash-flow factors for small businesses results from slow or unpaid customer invoices. Having an invoicing system in place is the foundation for creating a more timely process, and the key to remedying that situation is to be proactive about collecting payments. Smaller businesses are often taken advantage of because they don’t have late-payment penalties and collections policies in place. When your customers aren’t sure that they’ll hear from you the moment a payment is late, you will probably move to last place on their list of people to get paid…
 
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Harborstone
 
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(253) 584-2260  |  1-800-523-3641  |  Harborstone.com
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Equal Housing Opportunity.

Credit cards: The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. Mastercard is a registered trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

Credit score: The VantageScore Credit Score is provided to help you better understand how lenders view your credit report. It is not an endorsement or a determination of your qualification for a loan. Lenders use credit scores to help determine whether or not you are a good candidate for a loan and what interest rate you will pay. Each lender has specific underwriting standards, so you should not assume that you will receive the same evaluation from each lender. If you are approved, the terms and conditions of loans vary from lender to lender. The information used to determine your credit score comes from one of the three major credit bureaus—TransUnion, Equifax, or Experian. The information contained in your report reflects the latest information provided to the applicable bureau. If you recently made a payment, opened a new account, or authorized an inquiry, it may not yet be reflected in the credit report of any one of the bureaus you receive. Likewise, if the information is not included in the applicable credit report, it will not be reflected in your credit score based on such report. Disputed items are not incorporated in the assessment of your credit score. Your credit score will change each time new information is captured in the credit report on which it is based. TransUnion Interactive is not connected in any way with Fair, Isaac and Company; the credit scores provided here are not so-called FICO scores. The VantageScore Credit Score may not be identical in every respect to any consumer credit scores produced by any other company.

Home loans: All loans are subject to approval. Your loan rate will be based on your credit qualifications and the amount and term of your loan. All property must be located in Washington State. Harborstone Credit Union originates home loans in partnership with Credit Union Home Mortgage Solutions. FHA and USDA loans are offered through Caliber Home Loans.

Retirement/investment advice: Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Advisory services may only be offered by investment adviser representatives.

RV loans: 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. Preapproved loans expire 45 days from issue date.
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