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Pay It Forward
Harborstone is constantly looking for ways to give back to the communities we serve. Aside from our lower rates and fewer fees than many financial institutions, we recognize the local needs of our communities, and we want to help. Throughout October and November, Harborstone team members found meaningful ways to “pay it forward” and help where it counts. All together, 27 teams composed of 32 departments got together to help a variety of local nonprofit organizations.

The Pay It Forward project has occurred annually for the last five years. Previously, one lucky nonprofit was selected to win an extra cash donation, furthering its cause. This year, the Board of Directors will choose our top five favorite projects and then allow you to vote on your favorite to receive some extra funding. Unlike previous years,
all top five teams will win a cash prize this year, ranging from $250 to $2,000!

Keep an eye out on our Facebook page! You’ll be able to read and vote on your favorite story in the coming weeks by liking, commenting, or sharing the original post. The project with the most votes will win the $2,000 grand prize!
Don’t let holiday shopping take a toll on your finances. The holiday season should be filled with joy, not stress and financial burdens. That’s why we offer the option to skip a payment on a qualifying loan financed through Harborstone twice per year! Focus more on what matters during this magical time of year and less on budgeting worries. The best part? This won’t negatively affect your credit!

Skipping a payment is easy. Click here to learn more about the program and to see if you may qualify. Then you can send us your request by filling out this form.
Harborstone Rates
Ticket to a Free Ride
There’s still time left! Next month, we will randomly choose one 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 7, 2018, 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 before December 7! We may even be able to
save you money on your monthly payment.

If you're in the market for a vehicle—new, used, or additional—let us help with the financing, and
you'll automatically be entered. You may already be preapproved! Log in to your Online Banking and click "Loan Center." Or log in to the mobile app, tap "More," and then tap "Loan Center."
Home Loans
Attention service members and veterans! Are you looking to purchase a home but aren’t exactly sure where to start or want more information about the process? Harborstone is hosting a free Homebuyer Workshop on Joint Base Lewis-McChord, complete with light refreshments and your chance to win some freebies! This event will take place on January 30 at 5:30 p.m. at the McChord branch.

During this event,
we’ll educate you on the entire homebuying process, with help from a Harborstone-approved real estate agent and a representative from Credit Union Home Mortgage Solutions. CUHMS is part owned by Harborstone Credit Union. We’ll also discuss some tips and tricks when it comes to searching for and buying a home.

To learn more about the event or to register, click here.
Love My Credit Union Rewards
Positive Pay
Harborstone has a new fraud-prevention tool available for business Cash Management users. Positive Pay compares a list of checks that you upload online with checks that are attempting to clear your account. If something looks unusual, we'll let you know! Then you can choose to pay or return those items within your Online Banking.

Start preventing check fraud for your business today! Visit our website to request more information from our Business Team. Select that you’re interested in “Business Cash Management” or give us a call at (253) 583-9727 or 1-800-634-6506 to get started!
The holiday season for many means a flurry of family celebrations, gifts, and travel. While some hearts are swelling with holiday cheer, it’s a painful truth that some hearts really are 10 sizes too small. Nothing puts a fly in the figgy pudding like a holiday scam. It’s a busy, distracted time—the perfect setup for fraud.

The plenty of the holiday season punctuates gratitude and reminds us that there is also need. As people prepare their homes and tables for family celebrations, many also do what they can to extend warmth to those in their community who have real need of cheer. It’s a time of giving…
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What Are Required Minimum Distributions?

The IRS spends a lot of energy making sure people don’t tap their retirement accounts, imposing taxes and penalties on most early withdrawals. So it might surprise you to learn that at a certain point, the agency forces you to take money out of your account through required minimum distributions.

These distributions, often referred to as RMDs, are primarily
enforced on tax-deferred retirement accounts: workplace plans, such as 401(k)s and 403(b)s, as well as traditional individual retirement accounts and self-employed retirement plans, including SIMPLE and SEP IRAs. Roth 401(k) accounts are also subject to RMDs…
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Notice of Officials' Compensation

Historically, Harborstone’s Board of Director and Supervisory Committee roles have been uncompensated volunteer positions. However, the responsibilities of these hardworking individuals has grown over the years, requiring more time and commitment than ever before. After much research and consideration, Harborstone has made the decision to compensate these individuals for the diligence and commitment that they devote to the success of the credit union.

To read the official notice of this change, click here. If you are interested in joining Harborstone’s Board of Directors or Supervisory Committee, we are currently seeking qualified candidates. Learn more about the position qualifications and commitments and submit your intent for candidacy.
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(253) 584-2260  |  1-800-523-3641  |  Harborstone.com
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Auto loan payoff campaign: Winning entry will be randomly drawn from all entries received. Odds of winning depend on number of entries received. Must be at least 18 years or older and a U.S. resident to enter. No purchase necessary to enter. Entries must be received by December 7, 2018. Winner will be notified by phone December 14, 2018.

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. Accounts must be in good standing. Delinquent or bankruptcy accounts are not eligible.

Entry rules: Fund your auto loan between now and December 7, 2018, 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 and member newsletter.

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.
Insured by NCUA.

Skip-A-Payment: By participating in Harborstone's Skip-A-Payment program, you agree to and understand the following: Loan must be established, with at least three consecutive payments made from the new loan disbursement or since the last payment skipped to be eligible. Delinquent or bankruptcy accounts are not eligible. By skipping your loan payment for one month, you authorize Harborstone Credit Union to extend your final loan payment. Finance charges will continue to accrue on your unpaid balance. You authorize us to debit $40 per loan as a processing fee from your Harborstone checking or savings account. All accounts must be in good standing to take advantage of this offer. Not all loan types will qualify. First mortgage, credit card, home equity line of credit, personal line of credit, second mortgage, and business loans do not qualify. Harborstone Credit Union reserves the right to deny any Skip-A-Payment request. If you are not approved for the Skip-A-Payment, you will be notified in writing. Maximum of two Skip-A-Payments per rolling calendar year, with a lifetime maximum of no more than the number of years the loan is booked. For example, if the loan term is five years (60 months), the maximum is five Skip-A-Payments. Coupon must be signed by member to be valid. The credit union reserves the right to determine if prior subsequent actions may disqualify your loan. The $40 fee may not be added to the loan. If you elected GAP or warranty coverage, the coverage will not be extended beyond the original maturity date. Skip-A-Payment offer expires December 31, 2018.

Equal housing opportunity. Insured by NCUA.
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