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Rates

Rates

We take pride in the collective ownership of our members. That means our profits go back to you in the form of lower fees, great products, and competitive rates on loans and deposit accounts.

 
CHECKING & MONEY MARKET ACCOUNT RATES
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)1.750% on daily account balances up to $20,0001.77% on daily account balances up to $20,000$25None required to earn APY*
Ultimate Value Checking0.050%0.05%$25$0-$4,999*
0.150%0.15%$25$5,000-$9,999
0.250%0.25%$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%$1,000$1,000-$9,999, required to earn APY and avoid monthly fee
0.250%0.25%$1,000$10,000-$24,999, required to earn APY
0.250%0.25%$1,000$25,000-$99,999, required to earn APY
0.350%0.35%$1,000$100,000 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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SAVINGS ACCOUNT RATES
Account TypeDividend RateAPYMinimum Opening BalanceMinimum Monthly Balance
Savings (Includes Minor and Jet Set)0.100%0.10%$5$5, required to earn APY
Holiday Savings0.150%0.15%$5$5, required to earn APY
Set-Aside Savings0.150%0.15%$5$5, required to earn APY

APY = annual percentage yield. Dividends are calculated daily and compounded and credited monthly. Savings accounts are allowed up to six automatic transfers per calendar month.

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IRA & CERTIFICATE ACCOUNT RATES
Account TypeDividend RateAPY*Minimum Opening BalanceMinimum Monthly Balance
IRA Savings0.150%0.15%$100$100
1-Year Fixed Rate Accumulator0.250%0.25%$100$100
18-Month Fixed Rate Accumulator0.250%0.25%$100$100
2-Year Fixed Rate Accumulator0.350%0.35%$100$100
5-Year Fixed Rate Accumulator0.750%0.75%$100$100
6-11 Months0.100%0.10%$500$500
12-17 Months0.200%0.20%$500$500
18-23 Months0.200%0.20%$500$500
24-29 Months0.300%0.30%$500$500
30-35 Months0.500%0.50%$500$500
36-47 Months0.650%0.65%$500$500
48-60 Months0.750%0.75%$500$500
Flexible 12-17 Months0.100%0.10%$500$500
Flexible 18 Months0.100%0.10%$500$500
Flexible 18 Months Jet Set0.300%0.30%$500$500
Flexible 36 Months0.150%0.15%$500$500
Flexible 36 Months Jet Set0.350%0.35%$500$500
Jumbo 6-11 Months0.350%0.35%$50,000$50,000
Jumbo 12-17 Months0.450%0.45%$50,000$50,000
Jumbo 18-23 Months0.450%0.45%$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.

*Fees may reduce earnings.

You cannot apply for an IRA or 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.

Contact Us Full Account Disclosures
 
VEHICLE LOAN RATES
Loan TypeAPR
Auto Loan (new and used)Ranges from 3.59% to 17.99%
RV and Boat Loan (new and used)Ranges from 3.99% to 17.99%
Motorcycle Loan (new and used)Ranges from 3.59% to 13.99%
Toy Loan (new and used)Ranges from 3.99% to 17.99%

Term is determined by collateral year and loan amount for all vehicle types. Your personalized rate will be based on your credit qualifications and the loan amount and term.

Apply Today—Auto Loan Apply Today—Other Vehicle Loan

 
PERSONAL LOAN RATES
Loan TypeAPR
Personal Line of CreditRanges from 9.00% to 18.00%
Signature LoanRanges from 10.49% to 14.99%
Back-to-School LoanRanges from 9.99% to 13.99%
Secured Loan3.00% + the APY of account securing the loan

Rates are based on WSJ prime plus a margin (based on credit qualifications). Rates are subject to change monthly on the first business day of the month.

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HOME EQUITY LINE OF CREDIT RATES
Loan TypeAPRTermsAdditional Information
Home Equity Line of Credit4.25%Line of credit stays open for 10 years, and you have an additional 15 years to pay it backFinancing up to 85% loan to value available

Low variable rate based on prime plus 0.00%, with a minimum rate of 4.25% and maximum of 12.50%. Rate is subject to change quarterly.Property insurance is required.

Apply Today

 
HOME LOAN RATES

View Rates | Apply Today

 
CREDIT CARD RATES

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BUSINESS RATES
Account TypeDividend RateAPYMinimum Opening BalanceMinimum Monthly Balance
Business Savings0.100%0.10%$100$100 daily balance required to earn APY
6-11-Month Certificate0.200%0.20%$500$500
12-17-Month Certificate0.350%0.35%$500$500
Account TypeDividend RateAPYMinimum Opening BalanceMinimum Monthly Balance
Business Basic Checking0.000%0.00%$100$0*
Business Interest Checking0.050%0.05%$100$0*-$9,999
0.100%0.10%$100$10,000-$24,999
0.150%0.15%$100$25,000-$49,999
0.150%0.15%$100$50,000-$99,999
0.250%0.25%$100$100,000-$249,999
0.400%0.40%$100$250,000 and over
Business Money Market0.000%0.00%$10,000$0.01-$9,999
0.250%0.25%$10,000$10,000-$49,999
0.350%0.35%$10,000$50,000-$99,999
0.450%0.45%$10,000$100,000 and over

APY = annual percentage yield.

*If checking account maintains a zero balance for nine consecutive months, the account will be closed.

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

Contact Us Full Account Disclosures

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Harborstone Credit Union

Copyright © 2017 Harborstone Credit Union
All rights reserved.

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

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