Money Market Account

Our Money Market Account is for members with high balances who want to earn more with their money without tying it up in long-term investments.

Benefits include:

Higher dividends than a regular savings account. Tiers start at just a $1,000 minimum balance. Your funds are available when you need them. There is no minimum-withdrawal amount.

Visit harborstone.com/rates for current rates and fees.

An $8 fee is applied for balances below $1,000.

Share accounts at Harborstone Credit Union are insured up to $250,000 by the National Credit Union Administration (NCUA), a federal agency backed by the full faith and credit of the U.S. government.

A member of a federally insured credit union has never lost one penny of insured savings.

Here are some tips that may help you avoid or minimize fees in a few different areas:

Avoid ATM Fees

Use Harborstone-branded, surcharge-free ATMs for withdrawals and deposits. Most of our branch locations have ATMs on-site.

Use a surcharge-free ATM from the CO-OP ATM Network.

Get cash back at the store when you use your debit card and PIN for purchases, and avoid a possible ATM fee.

The Armed Forces Financial Network is a domestic and overseas ATM network providing the U.S. military, defense, and civilian communities with ATMs located at or near U.S. military bases worldwide.

While other ATM owners may add surcharges, you can enjoy ATM-fee refunds with qualifying PNW Premier activity. Get non-Harborstone ATM surcharge fees refunded monthly, excluding international and foreign ATMs, balance inquiries, and ATM deposit fees.

Avoid Late Fees

Make loan payments with payroll deduction or an automatic transfer from your checking account.

Use Online, Mobile, or Telephone Banking to schedule loan payments. Electronic payments typically take two business days to process.

Set up recurring payments through Online Banking.

If you use the mail, allow ample time for payments to reach us by the due dates on your loan or credit card statements. Live-check payments take four business days to process once they are received. Be sure to mail payments to the correct address.

If you need to get a bill paid the next day, Harborstone offers next-day expedited payments for a fee.

If you use a bill pay system to pay a Harborstone loan or member, include the address to our P.O. box and not a branch to avoid a delay.

Avoid Inactivity Fees

Dormant account fees are assessed when there has been no activity in an account for one year. Dividend credits, ACH deposits, and ACH withdrawals do not count as occurring activities. You will receive a notice in your statement a month before a fee is assessed.

Update your address, phone number, and email address with Harborstone to ensure that you receive notifications.

To add, remove, or change a beneficiary on your account, visit one of our branches, call Member Services at 1-800-523-3641, or contact us via chat or secure email within Online Banking.