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
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
|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)|
|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||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.
Additionally, your membership comes with a complimentary financial review. Schedule one today to learn about all of your retirement options.
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.
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.
|Account Type||Dividend Rate||APY*||Minimum Opening Balance||Minimum Monthly Balance|
|1-Year Fixed Rate Accumulator IRA Certificate||1.000%||1.00%||$100||$100|
|18-Month Fixed Rate IRA Certificate||1.500%||1.51%||$500||$100|
|2-Year Fixed Rate Accumulator IRA Certificate||2.000%||2.01%||$100||$100|
|5-Year Fixed Rate IRA Certificate||2.200%||2.22%||$500||$100|
|6- to 11-Month Certificate||1.000%||1.00%||$500||$500|
|12- to 17-Month Certificate||1.500%||1.51%||$500||$500|
|18- to 23-Month Certificate||2.000%||2.01%||$500||$500|
|24- to 29-Month Certificate||2.050%||2.06%||$500||$500|
|30- to 35-Month Certificate||2.100%||2.12%||$500||$500|
|36- to 47-Month Certificate||2.150%||2.17%||$500||$500|
|48- to 60-Month Certificate||2.200%||2.22%||$500||$500|
|Flexible 12- to 17-Month Certificate||1.500%||1.51%||$500||$500|
|Flexible 18-Month Certificate||1.500%||1.51%||$500||$500|
|Flexible 36-Month Certificate||2.100%||2.12%||$500||$500|
|Jumbo 6- to 11-Month Certificate||1.150%||1.16%||$50,000||$50,000|
|Jumbo 12- to 17-Month Certificate||1.650%||1.67%||$50,000||$50,000|
|Jumbo 18- to 23-Month Certificate||2.150%||2.17%||$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.
Copyright © 2019 Harborstone Credit Union
All rights reserved.
P.O. Box 4207, Tacoma, WA 98438-0207
Transit/ABA Routing Number: 325180870