IRAs & Certificates

IRAs & Certificates

Individual retirement accounts and certificates are a great place for funds that you likely won't need for a period of time. Most earn a higher rate than a savings account and provide you with peace of mind knowing that the rate you open the account with is what you will receive until the account matures. We even have a few options that allow you to bump your rate up once during the term so you don't miss out on a higher-rate option.

Open an Account

There are a variety of IRA types. Start by discovering which type you qualify for:
Explore Your IRA Options Roth IRA Details Traditional IRA Details Coverdell Education Savings Account Details

From there, you can determine if a savings or certificate account would best suit your needs.

Account Type Account Description Contributions Allowed Rate Bump-Up Option, Once Per Term Fixed Rate
Accumulator IRA Certificates

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A great way to save at a higher rate without the risk of missing out when rates rise. May contribute $50 or more each month (maximum of 26 per year) Yes Yes
IRA Savings

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It's never too early or too late to begin saving for your retirement. Or use as a supplement to your retirement plans. May contribute up to $6,000 per year; members over the age of 50 can contribute up to $7,000 each year No Rate is subject to change monthly

You cannot apply for an IRA online, but visit any of our branch locations or give us call, and we would be happy to assist you.

Visit or Call Us Full Account Disclosures

Additionally, your membership comes with a complimentary financial review. Schedule one today to learn about all of your retirement options.

Schedule Complimentary Review


We have a variety of certificate account options, so whether you're looking for a short- or long-term account, we have one to fit your needs.

Account Type Choose Your Term Add-On Option (add funds) Rate Bump-Up Option, Once Per Term Jet Set Rates Available

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From 6 to 60 months No No Yes

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From 6 to 23 months No No No

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From 12 to 36 months Once per term Yes Yes

You cannot apply for a certificate online, but visit any of our branch locations or give us call, and we would be happy to get you into the right product.

Visit or Call Us Full Account Disclosures

Account TypeDividend RateAPY*Minimum Opening BalanceMinimum Monthly Balance
IRA Savings0.200%0.20%$100$100
1-Year Fixed Rate Accumulator IRA Certificate1.000%1.00%$100$100
18-Month Fixed Rate IRA Certificate1.500%1.51%$500$100
2-Year Fixed Rate Accumulator IRA Certificate1.500%1.51%$100$100
5-Year Fixed Rate IRA Certificate1.900%1.91%$500$100
6- to 11-Month Certificate1.000%1.00%$500$500
12- to 17-Month Certificate1.500%1.51%$500$500
18- to 23-Month Certificate1.500%1.51%$500$500
24- to 29-Month Certificate1.500%1.51%$500$500
30- to 35-Month Certificate1.600%1.61%$500$500
36- to 47-Month Certificate1.700%1.71%$500$500
48- to 60-Month Certificate1.900%1.91%$500$500
Flexible 12- to 17-Month Certificate1.500%1.51%$500$500
Flexible 18-Month Certificate1.500%1.51%$500$500
Flexible 36-Month Certificate1.600%1.61%$500$500
Jumbo 6- to 11-Month Certificate1.150%1.16%$50,000$50,000
Jumbo 12- to 17-Month Certificate1.650%1.67%$50,000$50,000
Jumbo 18- to 23-Month Certificate1.650%1.67%$50,000$50,000

APY = annual percentage yield. Dividends on all IRA and certificate accounts are calculated daily and compounded and credited monthly. Early withdrawal penalties may apply. Some certificates are available to Jet Set members at a slightly higher rate. See our full account disclosures for details.

*Fees may reduce earnings.

**New money may be required for certificate specials. New money is defined as money not currently on deposit with Harborstone.


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Harborstone Credit Union

Copyright © 2019 Harborstone Credit Union
All rights reserved.

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

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