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With rates changing direction every day, it can be difficult to know when to refinance your home. With Harborstone’s Home Refinance Special, that time is now. From now through December 31, 2019, members will receive $1,000 toward their closing costs! That’s on top of paying no origination fee, which could save you thousands on your home refinance.

For military service members, Harborstone would like to extend an extra offer as a thank-you for your service. As a current or former service member, you can receive an extra $500 toward your closing costs, for a total of $1,500!
Apply today to get started.
 
 
Heads Up! We're Issuing New Debit Cards!
HEADS UP—WE'RE ISSUING NEW DEBIT CARDS
 
Harborstone is releasing new debit cards! In January, members with active cards will receive brand-new cards that can be activated on January 29, as the old cards will no longer be active. These cards come with new features and technologies, including an updated design and new ways to pay! The new cards will come with some great benefits:
  • Secure contactless payment options, which allow you to pay by holding your debit card up to the card reader instead of inserting your chip.
  • A fresh new design to help your card stand out in your wallet.
  • If you previously had an ATM card, you will be issued a debit card, allowing you to access your funds in more ways than before.
We will send you more information as we approach the new year. Check back at harborstone.com/newcard for additional updates and information.
 
 
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HOW DOES NO CAR PAYMENTS THROUGH THE HOLIDAYS SOUND? 

Looking for ways to save this holiday season? You’re in luck! Harborstone is offering a special promotion to those who refinance their auto loans with us from another financial institution by December 31, 2019.

If you refinance your auto loan with us, you can receive up to 90 days of no payments, plus $200 to show our appreciation. And remember, qualifying auto loans come with the option to skip two payments each year.

You may already be preapproved for an auto refinance! Log in to your online banking or the mobile app and check the Loan Center. Otherwise, apply today.
 
 
2k Giveaway - Use Your Debit Card for a Chance to Win!
YOU COULD WIN $2,000 FOR USING YOUR DEBIT CARD
 
As you’re spreading holiday cheer, why not give yourself the chance to put some cash back in your pocket? Throughout the end of the year, we are giving away $2,000 to one lucky member every two weeks.

It could be you! Don’t worry; simply being a member and using your Harborstone debit card while you do your holiday shopping gets you on our nice list. Each time you use your debit card on a purchase of $25 and up, you get entered into the drawing.

What could you do with an extra $2,000? Build your emergency savings account for a rainy day? Book that vacation you’ve been after? Pay off some debt? You could also get that couch you’ve been eyeing or put it toward a down payment for a home. The possibilities are endless!
 
 
Love My Credit Union Rewards
 
 
Skip-A-Payment
DON'T STRETCH YOUR BUDGET—SKIP-A-PAYMENT
 
We know the holidays can be a stressful time. Between gift exchanges, family parties, and possible traveling, it can be a strain on anyone’s budget. That’s why Harborstone has the tools and resources you need to get through the hustle and bustle of this time of year so that you can stress less.

If you have your auto loan with Harborstone, you may qualify to skip a monthly loan payment! To see if you have a Skip-A-Payment available, log in to your online banking and check the Skip-A-Payment widget in the middle column. You can also log in to the mobile app, tap “More,” and then “Skip-A-Payment” to see if you qualify.
 
 
Holiday Scams
HOLIDAY SCAMS
 
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 a real need of cheer…
 
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Business Services
BUSINESS DISCOUNT BUNDLES—NOW AVAILABLE!

Interested in streamlining your business processes? Harborstone now offers discounted bundle options for our Cash Management products, allowing our business members to easily manage and send ACH payments and collections, make deposits from your home or office, manage the roles and permissions of any users that you want to access your account online, and gain access to the exclusive Cash Management mobile app—all with tailored options to fit your needs and at a new low price.

Requesting a quote from us is completely free. Give Gabrielle, Harborstone’s Cash Management Officer, a call at (253) 241-1268 to get started.
 
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(253) 584-2260  |  1-800-523-3641  |  harborstone.com
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Auto Refinance Special: 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. Special offer is valid for loans with terms up to 84 months. Member must have a credit score of 640 or higher to qualify for 90 days of no payments. Interest will accumulate during this 90-day deferral period. The $200 incentive will be credited to your savings account within 30 days of the loan refinance. Loans must be refinanced from another financial institution.

Debit Card Special: No purchase necessary to enter. Must be 18 or older as of November 1, 2019, to be eligible. Transaction must be a point-of-sale purchase made with your Harborstone debit card. Debit card transactions must meet a minimum dollar amount of $25. ATM transactions are not eligible. Each transaction equals one entry to win. Winner will be randomly drawn from all entries received per drawing period. Entry periods are as follows: November 1–15, 2019; November 16–30, 2019; December 1–15, 2019; and December 16–31, 2019. Winner will be drawn on the next business day following each entry period and announced the week following each entry period. Winner will be contacted by the email address or phone number associated with their account at Harborstone. Each contest winner will be asked to visit a Harborstone branch to pick up the prize in person. Prize is $2,000 for each drawing period, one prize per person. With permission, each winner’s photo will be taken with branch staff to post to Harborstone’s social media accounts, including first name. Odds of winning depend on number of entries received. This offer may be withdrawn or changed at any time without notice. Ask a Harborstone staff member for further information regarding any applicable account fees and terms or conditions connected to using your Harborstone debit card. Employees of Harborstone, volunteers, and their family members are not eligible for entry. To enter without making transactions with a Harborstone debit card, send us a 3x5 card with your name, address, telephone number, and email address in a #10 postage-paid envelope to P.O. Box 4207, Tacoma, WA 98438-0207. One entry per envelope; mechanical reproductions will be disqualified.


Home Refinance Special: Special offer applies to refinance transactions. Offer excludes USDA, VA, FHA, and WSHFC loans. All loans are subject to credit approval and other underwriting criteria. Some restrictions apply. Home loan programs, terms, and conditions are subject to change without notice. Harborstone reserves the right to terminate this offer at any time without notice.

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 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 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 year. 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, 2019.
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