Checking & Money Market

Checking & Money Market

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.

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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
BreakFree Checking

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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 Yes No None
Ultimate Value Checking

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Tiered dividends to maximize your earnings and boost savings, with special discounts from Benefits Plus. First 10 per month are free No Yes None
Unlimited Potential Checking

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A way back into banking for those who have previously been denied a checking account. First 10 per month are free No No $6.75
Teen Checking

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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 No No None
Money Market

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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 No Yes 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.

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Harborstone Debit Card

Harborstone debit card use = savings from various merchants with Purchase Rewards. Selected discounts are loaded to your card and rewarded monthly.


Online Banking & Mobile Apps

Have access to your finances 24/7 with free Online Banking, plus apps for a better banking experience on your phone or tablet.


Harborstone Checks

Your first box of printed checks is free! Visit a branch near you or give us a call to place your check order.

globe money

Global ATM Access

With the CO-OP ATM network, you have access to nearly 30,000 surcharge-free ATMs.


Overdraft Protection Options

With a variety of overdraft and extended overdraft options, let us help you find the one that best fits your needs and budget.

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Notary Services

Help prevent things like fraud and identity theft with our complimentary notary and Medallion Signature Guarantee services.

Account TypeDividend RateAPYMinimum Opening BalanceMinimum Monthly Balance
BreakFree Checking0.050% on entire balance0.05% on entire balance$25None required to earn APY*
BreakFree Checking Rewards Rate (additional earnings when requirements are met)1.000% (0.95% plus the regular .050%) on daily account balances up to $4,0001.000% (0.95% plus the regular .050%) on daily account balances up to $4,000$25None required to earn APY*
Ultimate Value Checking0.010%0.01%$25$0-$4,999*
0.100%0.10%$25$10,000 and over
Unlimited Potential0.000%0.00%$25None required to earn APY*
Teen Checking0.000%0.00%$25None required to earn APY*
Money Market0.100%0.10%$25$0-$9,999, however balances below $1,000 will result in a fee*
0.200%0.20%$25$10,000-$99,999, required to avoid monthly fee and earn APY
0.300%0.30%$25$100,000-$249,999, required to earn APY
0.400%0.40%$25$250,000-$999,999, required to earn APY
0.500%0.50%$25$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.


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Harborstone Credit Union

Copyright © 2020 Harborstone Credit Union
All rights reserved.

P.O. Box 4207, Tacoma, WA 98438-0207
Transit/ABA Routing Number: 325180870

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