Our checking and money market accounts feature clear terms, great rates, and special benefits designed to fit your life—because a happy, thriving membership contributes to the financial strength of our community as a whole.Open an Account
|Account Type||Account Description||Reimbursement of U.S. ATM Surcharge Fees1||Competitive APY on Balances Up to $4,000||Tiered Dividends for Balances of Any Size||Monthly Fee|
|Our rewards checking—earn a competitive rate and ATM reimbursements with easy-to-meet requirements. We'll even help you track your monthly requirements with a tracker in our mobile app!||Up to $10 per month is reimbursed||None|
|Ultimate Value Checking
|Tiered dividends to maximize your earnings and boost savings, with special discounts from Benefits Plus.||First 10 per month are free||None|
|Unlimited Potential Checking
|A way back into banking for those who have previously been denied a checking account.||First 10 per month are free||$6.75|
|Teach your 13- to 17-year-old financial responsibility, and your savvy teen will grow up smart about money. Debit card options are available!||First 10 per month are free||None|
|Maintaining a high balance? Make your money earn more for you without tying it up in a long-term investment.||Does not come with an ATM or debit card option||If minimum balance of $1,000 is not met, $8|
APY = annual percentage yield. Only one BreakFree Checking account is allowed per Social Security number. Benefits Plus (discounts on services, travel, and merchandise) is free to Ultimate Value members and available to all other members for a monthly fee of $2.50. Certain requirements, restrictions, balances, and limitations apply. This does not include international ATMs, any fees incurred from another financial institution, balance inquiries, or ATM deposit fees. Harborstone and CO-OP Network ATMs in the U.S. are always surcharge-free.
Harborstone debit card use = savings from various merchants with Purchase Rewards. Selected discounts are loaded to your card and rewarded monthly.
Have access to your finances 24/7 with free Online Banking, plus apps for a better banking experience on your phone or tablet.
Your first box of printed checks is free! Visit a branch near you or give us a call to place your check order.
With a variety of overdraft and extended overdraft options, let us help you find the one that best fits your needs and budget.
|Account Type||Dividend Rate||APY||Minimum Opening Balance||Minimum Monthly Balance|
|BreakFree Checking||0.050% on entire balance||0.05% on entire balance||$25||None required to earn APY*|
|BreakFree Checking Rewards Rate (additional earnings when requirements are met)||3.930% (3.880% plus the regular .050%) on daily account balances up to $4,000||4.00% (3.95% plus the regular .05%) on daily account balances up to $4,000||$25||None required to earn APY*|
|Ultimate Value Checking||0.050%||0.05%||$25||$0-$4,999*|
|0.250%||0.25%||$25||$10,000 and over|
|Unlimited Potential||0.000%||0.00%||$25||None required to earn APY*|
|Teen Checking||0.000%||0.00%||$25||None required to earn APY*|
|Money Market||0.100%||0.10%||$1,000||$0-$9,999, however balances below $1,000 will result in a fee; no minimum required to earn APY*|
|0.250%||0.25%||$1,000||$10,000-$99,999, required to avoid monthly fee and earn APY|
|0.500%||0.50%||$1,000||$100,000-$249,999, required to earn APY|
|0.700%||0.70%||$1,000||$250,000-$999,999, required to earn APY|
|0.900%||0.90%||$1,000||$1,000,000 and over, required to earn APY|
APY = annual percentage yield. Dividends are calculated daily and compounded and credited monthly. *If checking account maintains a zero balance for nine consecutive months, the account will be closed.
Copyright © 2019 Harborstone Credit Union
All rights reserved.
P.O. Box 4207, Tacoma, WA 98438-0207
Transit/ABA Routing Number: 325180870