{"id":120,"date":"2022-07-25T19:52:14","date_gmt":"2022-07-25T19:52:14","guid":{"rendered":"https:\/\/www.harborstone.com\/wph\/workarea\/?page_id=120"},"modified":"2026-04-10T01:30:09","modified_gmt":"2026-04-09T18:30:09","slug":"rates-fees","status":"publish","type":"page","link":"https:\/\/www.harborstone.com\/wph\/workarea\/rates-fees\/","title":{"rendered":"Rates &#038; Fees"},"content":{"rendered":"          \n    <div class=\"band content-hero band-content-hero-2 content-fullwidth\">\n      <div class=\"zone\">\n        <div class=\"zone-title\">\n          <h1>Rates &#038; Fees<\/h1>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div class=\"band band-custom-faqs content-fullwidth feature-wrap single-open first-open\">\n    <div class=\"feature-wrap-faq-buttons\">\n      <div class=\"feature-wrap-faq-buttons-inner\">\n                            <button ncr-toggle=\"CheckingAccounts\"  class=\"panel-closed btn-1\" aria-label=\"Checking Accounts\">Checking Accounts <span class=\"fas fa-angle-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button>\n\n                              <button ncr-toggle=\"Savings&#038;MoneyMarkets\"  class=\"panel-closed btn-1\" aria-label=\"Savings &amp; Money Markets\">Savings &amp; Money Markets <span class=\"fas fa-angle-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button>\n\n                              <button ncr-toggle=\"IRAs&#038;Certificates\"  class=\"panel-closed btn-1\" aria-label=\"IRAs &amp; Certificates\">IRAs &amp; Certificates <span class=\"fas fa-angle-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button>\n\n                              <button ncr-toggle=\"HomeLoans\"  class=\"panel-closed btn-1\" aria-label=\"Home Loans\">Home Loans <span class=\"fas fa-angle-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button>\n\n                              <button ncr-toggle=\"VehicleLoans\"  class=\"panel-closed btn-1\" aria-label=\"Vehicle Loans\">Vehicle Loans <span class=\"fas fa-angle-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button>\n\n                              <button ncr-toggle=\"PersonalLoans\"  class=\"panel-closed btn-1\" aria-label=\"Personal Loans\">Personal Loans <span class=\"fas fa-angle-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button>\n\n                              <button ncr-toggle=\"HELOC\"  class=\"panel-closed btn-1\" aria-label=\"HELOC\">HELOC <span class=\"fas fa-angle-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button>\n\n                              <button ncr-toggle=\"CreditCards\"  class=\"panel-closed btn-1\" aria-label=\"Credit Cards\">Credit Cards <span class=\"fas fa-angle-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button>\n\n                              <button ncr-toggle=\"BusinessAccounts\"  class=\"panel-closed btn-1\" aria-label=\"Business Accounts\">Business Accounts <span class=\"fas fa-angle-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button>\n\n                <\/div>\n        <div id=\"button-stop\" style='display:none'><\/div>\n    <\/div>\n    <div class=\"feature-wrap-faq-panels\">\n\n    \n        <div class=\"feature-wrap-accordion-1 single-open panel-closed panel-cant-close\" id=\"checking-accounts\" ncr-panel=\"CheckingAccounts\" id=\"\">\n      <div class=\"feature-wrap-title\" id=\"\">\n        <h2>Checking Accounts<\/h2>\n      <\/div>\n      \n<p><div class='feature'><div class='feature-padding'><div class='table-responsive'>\n<table id=\"tablepress-3\" class=\"tablepress tablepress-id-3\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Account Type<\/th><th class=\"column-2\">Dividend Rate<\/th><th class=\"column-3\">APY<\/th><th class=\"column-4\">Minimum Opening Balance<\/th><th class=\"column-5\">Minimum Monthly Balance<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">PNW Premier Checking <br \/>\n(if qualifications are not met)<\/td><td class=\"column-2\">0.05% on entire balance<\/td><td class=\"column-3\">0.05% on entire balance<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">None required to earn APY*<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">PNW Premier Checking (when qualifications are met)<\/td><td class=\"column-2\">6.78% on daily account balances up to $4,000 and 0.05% on balances over $4,000<\/td><td class=\"column-3\">7.00% on daily account balances up to $4,000 and 0.05% on balances over $4,000<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">None required to earn APY*<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">PNW Cash Back (when qualifications are met)<\/td><td class=\"column-2\">Earn 1% cash back on up to $3,000 in debit transactions for a maximum of $30 per month. <\/td><td class=\"column-3\">0.00%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">None required to earn cash back<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Unlimited Potential<\/td><td class=\"column-2\">0.000%<\/td><td class=\"column-3\">0.00%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">None<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Teen Checking<\/td><td class=\"column-2\">0.000%<\/td><td class=\"column-3\">0.00%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">None<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Free Checking<\/td><td class=\"column-2\">0.00%<\/td><td class=\"column-3\">0.00%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">None<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Wise55 Checking<\/td><td class=\"column-2\">0.25%<\/td><td class=\"column-3\">0.25%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">None<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/openaccount.oao.harborstone.com\/#\/product-selector' target='_self' rel='noopener noreferrer'>Apply Today<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.harborstone.com\/wph\/workarea\/wp-content\/uploads\/2026\/04\/PersonalTISA4-01-26-1.pdf' target='_self' rel='noopener noreferrer'>Full Account Disclosures<\/a>\n\t\t\t\n    <\/div>    \n        \n\n        <div class=\"feature-wrap-accordion-1 single-open panel-closed panel-cant-close\" id=\"savings-money-markets\" ncr-panel=\"Savings&#038;MoneyMarkets\" id=\"\">\n      <div class=\"feature-wrap-title\" id=\"\">\n        <h2>Savings &amp; Money Markets<\/h2>\n      <\/div>\n      \n<p><div class='feature'><div class='feature-padding'><div class='table-responsive'>\n<table id=\"tablepress-7\" class=\"tablepress tablepress-id-7\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Account Type<\/th><th class=\"column-2\">Dividend Rate<\/th><th class=\"column-3\">APY<\/th><th class=\"column-4\">Minimum Opening Balance<\/th><th class=\"column-5\">Minimum Monthly Balance<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Minor Savings<\/td><td class=\"column-2\">0.50%<\/td><td class=\"column-3\">0.50%<\/td><td class=\"column-4\">$5<\/td><td class=\"column-5\">$5, required to earn APY<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Holiday Savings<\/td><td class=\"column-2\">0.50%<\/td><td class=\"column-3\">0.50%<\/td><td class=\"column-4\">$5<\/td><td class=\"column-5\">$5, required to earn APY<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Set-Aside Savings<\/td><td class=\"column-2\">0.05%<\/td><td class=\"column-3\">0.05%<\/td><td class=\"column-4\">$5<\/td><td class=\"column-5\">$5, required to earn APY<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Money Market<\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.01%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">$0-$9,999, however balances below $1,000 will result in a fee*<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.01%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">$10,000-$99,999, required to earn APY<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.01%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">$100,000-$249,999, required to earn APY<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.01%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">$250,000-$999,999, required to earn APY<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.01%<\/td><td class=\"column-4\">$25<\/td><td class=\"column-5\">$1,000,000 and over, required to earn APY<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/openaccount.oao.harborstone.com\/#\/product-selector' target='_self' rel='noopener noreferrer'>Apply Today<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.harborstone.com\/wph\/workarea\/wp-content\/uploads\/2026\/04\/PersonalTISA4-01-26-1.pdf' target='_self' rel='noopener noreferrer'>Full Account Disclosures<\/a>\n\t\t\t\n    <\/div>    \n        \n\n        <div class=\"feature-wrap-accordion-1 single-open panel-closed panel-cant-close\" id=\"iras-certificates\" ncr-panel=\"IRAs&#038;Certificates\" id=\"\">\n      <div class=\"feature-wrap-title\" id=\"\">\n        <h2>IRAs &amp; Certificates<\/h2>\n      <\/div>\n      \n<p><div class='feature'><div class='feature-padding'><div class='table-responsive'>\n<table id=\"tablepress-5\" class=\"tablepress tablepress-id-5\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Account Type<\/th><th class=\"column-2\">Dividend Rate<\/th><th class=\"column-3\">APY*<\/th><th class=\"column-4\">Minimum Opening Balance<\/th><th class=\"column-5\">Minimum Monthly Balance<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">IRA Savings<\/td><td class=\"column-2\">1.00%<\/td><td class=\"column-3\">1.01%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$100<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">1-Year Fixed Rate Accumulator IRA Certificate<\/td><td class=\"column-2\">3.10%<\/td><td class=\"column-3\">3.15%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$100<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">18-Month Fixed Rate IRA Certificate<\/td><td class=\"column-2\">2.38%<\/td><td class=\"column-3\">2.41%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$100<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">2-Year Fixed Rate Accumulator IRA Certificate<\/td><td class=\"column-2\">2.43%<\/td><td class=\"column-3\">2.46%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$100<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">5-Year Fixed Rate IRA Certificate<\/td><td class=\"column-2\">1.87%<\/td><td class=\"column-3\">1.89%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$100<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">6-Month Certificate<\/td><td class=\"column-2\">2.89%<\/td><td class=\"column-3\">2.93%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">12-Month Certificate<\/td><td class=\"column-2\">3.10%<\/td><td class=\"column-3\">3.15%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">18-Month Certificate<\/td><td class=\"column-2\">2.38%<\/td><td class=\"column-3\">2.41%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">24-Month Certificate<\/td><td class=\"column-2\">2.33%<\/td><td class=\"column-3\">2.36%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">30-Month Certificate<\/td><td class=\"column-2\">1.97%<\/td><td class=\"column-3\">1.99%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">36-Month Certificate<\/td><td class=\"column-2\">1.87%<\/td><td class=\"column-3\">1.89%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\">48-Month Certificate<\/td><td class=\"column-2\">1.77%<\/td><td class=\"column-3\">1.79%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">Flexible 12-Month Certificate<\/td><td class=\"column-2\">2.86%<\/td><td class=\"column-3\">2.90%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\">Flexible 18-Month Certificate<\/td><td class=\"column-2\">2.03%<\/td><td class=\"column-3\">2.05%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\">Flexible 36-Month Certificate<\/td><td class=\"column-2\">1.73%<\/td><td class=\"column-3\">1.74%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\">Jumbo 6-Month Certificate<\/td><td class=\"column-2\">2.99%<\/td><td class=\"column-3\">3.03%<\/td><td class=\"column-4\">$50,000<\/td><td class=\"column-5\">$50,000<\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\">Jumbo 12-Month Certificate<\/td><td class=\"column-2\">3.10%<\/td><td class=\"column-3\">3.15%<\/td><td class=\"column-4\">$50,000<\/td><td class=\"column-5\">$50,000<\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\">Jumbo 18-Month Certificate<\/td><td class=\"column-2\">2.53%<\/td><td class=\"column-3\">2.56%<\/td><td class=\"column-4\">$50,000<\/td><td class=\"column-5\">$50,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.harborstone.com\/wph\/workarea\/contact-us\/' target='_self' rel='noopener noreferrer'>Contact Us<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.harborstone.com\/wph\/workarea\/wp-content\/uploads\/2026\/04\/PersonalTISA4-01-26-1.pdf' target='_self' rel='noopener noreferrer'>Full Account Disclosures<\/a>\n\t\t\t\n\n\n\n\n<ul class=\"wp-block-list\">\n<li>APY = annual percentage yield. Dividends on all IRA and certificate accounts are calculated daily and compounded and credited monthly. Early withdrawal penalties may apply. See full account disclosures for details.<\/li>\n\n\n\n<li>*Fees may reduce earnings.<\/li>\n\n\n\n<li>**New money may be required for certificate specials. New money is defined as money not currently on deposit with Harborstone.<\/li>\n\n\n\n<li>You cannot apply for an IRA or certificate online. Please visit one of our branch locations or give us call.<\/li>\n<\/ul>\n\n    <\/div>    \n        \n\n        <div class=\"feature-wrap-accordion-1 single-open panel-closed panel-cant-close\" id=\"home-loans\" ncr-panel=\"HomeLoans\" id=\"\">\n      <div class=\"feature-wrap-title\" id=\"\">\n        <h2>Home Loans<\/h2>\n      <\/div>\n      \n\t\t\t<a  class='btn btn-1' href='https:\/\/homeloans.harborstone.com\/#\/journey' target='_blank' rel='noopener noreferrer'>Get a Quote &amp; Apply Today<\/a>\n\t\t\t\n    <\/div>    \n        \n\n        <div class=\"feature-wrap-accordion-1 single-open panel-closed panel-cant-close\" id=\"vehicle-loans\" ncr-panel=\"VehicleLoans\" id=\"\">\n      <div class=\"feature-wrap-title\" id=\"\">\n        <h2>Vehicle Loans<\/h2>\n      <\/div>\n      \n<p><div class='feature'><div class='feature-padding'><div class='table-responsive'>\n<table id=\"tablepress-8\" class=\"tablepress tablepress-id-8\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Loan Type<\/th><th class=\"column-2\">APR<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Auto Loan (new and used)<\/td><td class=\"column-2\">As low as 5.79%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Boat Loan (new and used)<\/td><td class=\"column-2\">As low as 7.09%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Motorcycle Loan (new and used)<\/td><td class=\"column-2\">As low as 7.14%<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Other Secured Loan (new and used)<\/td><td class=\"column-2\">As low as 7.59%<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">RV Loan (new and used)<\/td><td class=\"column-2\">As low as 7.59%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/cp.decisionlender.solutions\/cp2\/harb000\/(applications\/\/advertisement:loan-calculator)' target='_self' rel='noopener noreferrer'>Apply Today<\/a>\n\t\t\t\n\n\n<p>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.<\/p>\n\n    <\/div>    \n        \n\n        <div class=\"feature-wrap-accordion-1 single-open panel-closed panel-cant-close\" id=\"personal-loans\" ncr-panel=\"PersonalLoans\" id=\"\">\n      <div class=\"feature-wrap-title\" id=\"\">\n        <h2>Personal Loans<\/h2>\n      <\/div>\n      \n<p><div class='feature'><div class='feature-padding'><div class='table-responsive'>\n<table id=\"tablepress-6\" class=\"tablepress tablepress-id-6\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Loan Type<\/th><th class=\"column-2\">APR<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Personal Line of Credit<\/td><td class=\"column-2\">As low as 10.75%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Signature Loan<\/td><td class=\"column-2\">As low as 9.24%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Seasonal Loan<\/td><td class=\"column-2\">As low as 9.24%<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Share Secured Loan<\/td><td class=\"column-2\">3.00% margin + the APY of account securing the loan<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/cp.decisionlender.solutions\/cp2\/harb000\/(applications\/\/advertisement:loan-calculator)' target='_self' rel='noopener noreferrer'>Apply Today<\/a>\n\t\t\t\n\n\n<ul class=\"wp-block-list\">\n<li>Rates are based on WSJ prime plus a margin (based on credit qualifications). Rates are subject to change without notice.<\/li>\n<\/ul>\n\n    <\/div>    \n        \n\n        <div class=\"feature-wrap-accordion-1 single-open panel-closed panel-cant-close\" id=\"helocs\" ncr-panel=\"HELOC\" id=\"\">\n      <div class=\"feature-wrap-title\" id=\"\">\n        <h2>HELOC<\/h2>\n      <\/div>\n      \n<p><div class='feature'><div class='feature-padding'><div class='table-responsive'>\n<table id=\"tablepress-4\" class=\"tablepress tablepress-id-4\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Loan Type<\/th><th class=\"column-2\">APR<\/th><th class=\"column-3\">Terms<\/th><th class=\"column-4\">Additional Information<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Home Equity Line of Credit<\/td><td class=\"column-2\">As low as 6.75%<\/td><td class=\"column-3\">Line of credit stays open for 10 years, and you have an additional 15 years to pay it back<\/td><td class=\"column-4\">Financing up to 90% loan to value available with qualifying credit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/cp.decisionlender.solutions\/cp2\/harb000\/(applications\/\/advertisement:loan-calculator)' target='_self' rel='noopener noreferrer'>Apply Today<\/a>\n\t\t\t\n\n\n<p>Rates are based on WSJ prime plus a margin (based on credit qualifications), with a maximum of 12.50%. Rate is subject to change quarterly. Property insurance is required.<\/p>\n\n    <\/div>    \n        \n\n        <div class=\"feature-wrap-accordion-1 single-open panel-closed panel-cant-close\" id=\"credit-cards\" ncr-panel=\"CreditCards\" id=\"\">\n      <div class=\"feature-wrap-title\" id=\"\">\n        <h2>Credit Cards<\/h2>\n      <\/div>\n      \n\t\t\t<a  class='btn btn-1' href='https:\/\/creditcardlearnmore.com\/11t3\/index?ecdma-lc=9384&#038;ecid=OTHE_25940' target='_blank' rel='noopener noreferrer'>Check Rates &amp; Apply Today<\/a>\n\t\t\t\n    <\/div>    \n        \n\n        <div class=\"feature-wrap-accordion-1 single-open panel-closed panel-cant-close\" id=\"business-accounts\" ncr-panel=\"BusinessAccounts\" id=\"\">\n      <div class=\"feature-wrap-title\" id=\"\">\n        <h2>Business Accounts<\/h2>\n      <\/div>\n      \n<p><div class='feature'><div class='feature-padding'><div class='table-responsive'>\n<table id=\"tablepress-1\" class=\"tablepress tablepress-id-1\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Account Type<\/th><th class=\"column-2\">Dividend Rate<\/th><th class=\"column-3\">APY<\/th><th class=\"column-4\">Minimum Opening Balance<\/th><th class=\"column-5\">Minimum Monthly Balance<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Business Basic Checking<\/td><td class=\"column-2\">0.000%<\/td><td class=\"column-3\">0.00%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$0*<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Business Interest Checking<\/td><td class=\"column-2\">0.05%<\/td><td class=\"column-3\">0.05%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$0*-$9,999<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">0.05%<\/td><td class=\"column-3\">0.05%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$10,000-$24,999<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">0.10%<\/td><td class=\"column-3\">0.10%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$25,000-$99,999<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">0.15%<\/td><td class=\"column-3\">0.15%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$100,000-$249,999<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">0.20%<\/td><td class=\"column-3\">0.20%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$250,000 and over<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/p>\n\n\n<p><div class='feature'><div class='feature-padding'><div class='table-responsive'>\n<table id=\"tablepress-2\" class=\"tablepress tablepress-id-2\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Account Type<\/th><th class=\"column-2\">Dividend Rate<\/th><th class=\"column-3\">APY<\/th><th class=\"column-4\">Minimum Opening Balance<\/th><th class=\"column-5\">Minimum Monthly Balance<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Business Savings<\/td><td class=\"column-2\">0.050%<\/td><td class=\"column-3\">0.05%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$100 daily balance required to earn APY<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">6-Month Certificate<\/td><td class=\"column-2\">2.89%<\/td><td class=\"column-3\">2.93%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">12-Month Certificate<\/td><td class=\"column-2\">3.10%<\/td><td class=\"column-3\">3.15%<\/td><td class=\"column-4\">$500<\/td><td class=\"column-5\">$500<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Money Market<\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.01%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$0-$9,999, however balances below $10,000 will result in a fee<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.01%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$10,000-$99,999, required to avoid monthly fee and earn APY<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.01%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$100,000-$249,999, required to earn APY<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.02%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$250,000-$999,999, required to earn APY<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">2.02%<\/td><td class=\"column-4\">$100<\/td><td class=\"column-5\">$1,000,000 and over, required to earn APY<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.harborstone.com\/wph\/workarea\/contact-us\/' target='_self' rel='noopener noreferrer'>Contact Us<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.harborstone.com\/wph\/workarea\/wp-content\/uploads\/2026\/04\/BusinessTISA4-01-26.pdf' target='_self' rel='noopener noreferrer'>Full Account Disclosures<\/a>\n\t\t\t\n\n\n<div style=\"height:3px\" aria-hidden=\"true\" class=\"wp-block-spacer fullwidth\"><\/div>\n\n\n\n<p class=\"has-text-align-center\">APY = annual percentage yield.<\/p>\n\n\n\n<p class=\"has-text-align-center\">*If checking account maintains a zero balance for nine consecutive months, the account will be closed.<\/p>\n\n\n\n<p class=\"has-text-align-center\">**New money may be required. New money is defined as money not currently on deposit with Harborstone.<\/p>\n\n\n\n<p class=\"has-text-align-center\">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.<\/p>\n\n    <\/div>    \n        \n    <\/div>\n    <\/div>\n        ","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":61,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_excerpt":[],"attr_featured":[],"attr_hide_date":["false"],"attr_hide_hero":["false"],"footnotes":""},"class_list":["post-120","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rates &amp; Fees - Harborstone Credit Union<\/title>\n<meta name=\"description\" content=\"APY = annual percentage yield. 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