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Here's Your Ticket to a Free Ride!
 
WE'RE PAYING OFF SOMEONE'S AUTO LOAN!
 
That's right! This December, Harborstone will randomly choose one lucky member who has an auto loan booked with us and pay off the balance, up to $25,000! All auto loans must be financed through Harborstone by December 1, 2017, to be entered to win. Already have a vehicle loan with us? Perfect! You're automatically entered. Have a loan financed somewhere else? Let us refinance it for you!

If you're in the market for a vehicle—new, used, or additional—let us help with the financing, and you'll be entered. You might even be preapproved! Log in to your Online Banking and click "My Offers." Or log in to the mobile app, tap "More," and then tap "My Offers."
 
 
Locations and ATMs
YOU'RE INVITED TO BOTHELL'S GRAND OPENING!
 
Join us in celebration of our new Bothell location! Stop by the branch on September 22 for live music, prizes, food, games, and more:

When: Friday, September 22, from 4 to 7 p.m.
Where: Bothell branch

The new location, which was relocated from Woodinville back in the spring, is designed to better serve our members, with updated tools and branch features to improve your experience. We’re excited to show you what it has to offer. Hope to see you there!
 
 
Personal Loans
IT'S THAT TIME OF YEAR, AGAIN...
 
School is back in session (or about to be)! For some, it can be a very expensive time. Extra costs—such as school clothes, laptops, transportation, and other supplies—can quickly become a burden.

Let Harborstone help ease the financial stress with a back-to-school loan! You may even already be preapproved. Log in to your Online Banking and click the “My Offers” tab at the top of the page to find out. You can also check on the mobile app by logging in, selecting the “More” option, and then tapping “My Offers.” Don’t see any available offers? Apply online to get started!
 
 
Harborstone.com
NEW LIVE CHAT AND SECURE MESSAGING
 
Have a question? Need help finding something? Now you can get in touch with us more easily and conveniently than ever before! Chat with a live Harborstone Member Service Representative by logging in to your Online Banking, clicking “Support,” and then clicking “Chat.” You can also log in to the mobile app, tap “More,” and then tap “Chat.”

After hours? Or don’t want to wait for someone to be available? Instead of choosing “Chat” in the above scenarios, click “Secure Email.” A Member Service Representative will be able to discuss the same account details as if you were calling in, and you can get back to us whenever is easiest for you! Check it out next time you need assistance.
 
 
In the Community
BACK-TO-SCHOOL DRIVE SUCCESS!
 
In August, Harborstone branches hosted a school-supply drive at each of our branches and our administrative office to help children in our local communities. With the help of our staff and our wonderful members, Harborstone can certainly call this year’s drive successful!

With the donations received this year, we were able to donate about 20 boxes and backpacks filled with much-needed items to 13 different schools! With these donations, we hope that students are more equipped to take on the school year and make it a good one. For photos of some of the donations, check out our Facebook page!
 
 
Security
TARGETED SCHEMES, FRAUD, AND THEFT

According to the FBI, people over 60 years old are particularly attractive targets of financial fraud. This older demographic accounts for a substantial cache of accumulated wealth in the form of homes and retirement savings. However, those in lower income brackets are also the victims of targeted schemes.

What makes a scheme targeted is that it is tailored to prey on the vulnerabilities, habits, and cultural conditioning of any given group. For example, someone 65 years or older may be targeted for a Medicare scam. In addition, crimes against seniors often go unreported and can be difficult to prosecute, and criminals count on this…
 
Read More
 
 
Business Services
DEALING WITH THE CHALLENGES OF DECLINING SALES
 
A minimal decline in sales can have a devastating effect on small-business cash flow and profitability. It could stem from an unexpected slowdown in the economy, be seasonal in nature, or be due to new competition in the neighborhood. The challenge when your sales decline is that your overhead remains the same.

One thing to consider is to re-evaluate the customer experience you provide. In today’s world, a lot of businesses feel the same to customers, so how you treat them and how easy you make the shopping experience means a lot more than it used to. From the moment they walk in the door or land on your website until they pay their bill, it is an opportunity for you to differentiate yourself from the competition. Every one of your customers wants to feel acknowledged, appreciated, and heard…
 
Read More
 
 
Harborstone
 
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(253) 584-2260  |  1-800-523-3641  |  Harborstone.com
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Equal Housing Opportunity.

Auto loan payoff campaign:

Eligibility requirements: Must live in Washington State to be eligible for entry. Proof of Washington State residency may be required. Employees of Harborstone Credit Union, volunteers, and their family members are not eligible for entry.

Entry rules: Fund your auto loan between now and December 1, 2017, with Harborstone Credit Union, and you will automatically be entered to win. All loans and collateral subject to Harborstone Credit Union lending policies. Rates and terms subject to change at any time. To enter via our no-purchase-necessary option, please visit any of our branch locations to obtain an official entry form. Upon completing and dropping it off with a Harborstone representative, you will be entered to win. No duplicate or substitute entry forms will be accepted.

Award distribution specifics: Prize cannot be requested in cash; winnings will be distributed only as funds directly applied to remaining auto loan balance. Winner must provide full payoff instructions. The maximum amount to be applied is either the remaining balance of the loan or $25,000, whichever is less.

Winner will be responsible for any applicable taxes associated with the payoff of the loan. With permission, winner will take a photo with Harborstone staff and their vehicle and the photo will be used for Harborstone marketing efforts. Winner will be announced on Harborstone’s social media channels.

Back-to-School loan: 
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.

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.
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