{"id":13,"date":"2022-07-25T12:28:23","date_gmt":"2022-07-25T12:28:23","guid":{"rendered":""},"modified":"2026-01-24T01:06:07","modified_gmt":"2026-01-23T18:06:07","slug":"savings-investing","status":"publish","type":"page","link":"https:\/\/www.harborstone.com\/wph\/workarea\/personal\/savings-investing\/","title":{"rendered":"Savings & Investing"},"content":{"rendered":"\t\t
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Savings & Investing<\/h2>\n\t\t\t\n\n

We make it easy to reach your goals, whether you\u2019re saving for a rainy day, or a well-deserved vacation in the sunshine. Need a short-term solution? We\u2019ve got it. Planning for retirement, way down the road? We can help.<\/p>\n\n\t\t<\/div>\n\t\t

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Explore some of our key features:<\/span><\/h3>\n\t\t\t\n\t\t\t\t\n\t\t\t
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Savings & Money Market Accounts<\/h3>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\t\t\t\t\n\t\t\n\n\t\t\t\t\n\t\t\t
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IRAs & Certificates<\/h3>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\t\t\t\t\n\t\t\n\n\t\t\t\t\n\t\t\t
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Investment Services<\/h3>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\t\t\t\t\n\t\t\n\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n
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Savings & Money Market Accounts<\/h2>\n\n\n\n

A savings account you can feel good about.<\/h3>\n\n\n\n

Choose from a variety of no-fee and dividend-earning savings and money market accounts, all with features like access to nearly 30,000 surcharge-free ATMs, notary services, and mobile banking.<\/p>\n\n\n\n

Plus, a dedicated Personal Banker to help make your dreams a reality. Contact Us<\/a> today.<\/p>\n\n\n\n

Interested in our Save My Change Program? Learn More<\/a><\/strong><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n

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Standard Savings<\/h2>\n <\/div>\n
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$5 minimum opening balance.<\/h3>\n <\/div>\n
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One-time $5 membership fee.<\/h3>\n <\/div>\n
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Unlimited transfers between savings accounts.<\/h3>\n <\/div>\n
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Free services at Harborstone ATMs.<\/h3>\n <\/div>\n
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Earns dividends on balances.<\/h3>\n <\/div>\n
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\n View Rates and Terms<\/a>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Holiday Savings<\/h2>\n <\/div>\n
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Money saved throughout the year is automatically transferred to checking on Nov. 1, just in time for holiday expenses.<\/h3>\n <\/div>\n
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$5 minimum opening balance.<\/h3>\n <\/div>\n
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$10 early withdrawal fee if funds are withdrawn before Nov. 1.<\/h3>\n <\/div>\n
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Earns dividends on balances.<\/h3>\n <\/div>\n
\n \"Check\"\n <\/figure>\n <\/div> \n \n <\/div>\n \n
\n View Rates and Terms<\/a>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Set-Aside Savings<\/h2>\n <\/div>\n
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A great way to set aside funds for different goals.<\/h3>\n <\/div>\n
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$5 minimum opening balance.<\/h3>\n <\/div>\n
\n \"Check\"\n <\/figure>\n <\/div> \n \n\n
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Unlimited transfers between savings accounts.<\/h3>\n <\/div>\n
\n \"Check\"\n <\/figure>\n <\/div> \n \n\n
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Free services at Harborstone ATMs.<\/h3>\n <\/div>\n
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No withdrawal penalties.<\/h3>\n <\/div>\n
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\n View Rates and Terms<\/a>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Minor Savings<\/h2>\n <\/div>\n
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For minors up to age 17; must have an adult joint account holder to withdraw funds.<\/h3>\n <\/div>\n
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Waived one-time $5 membership fee.<\/h3>\n <\/div>\n
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Unlimited transfers between savings accounts.<\/h3>\n <\/div>\n
\n \"Check\"\n <\/figure>\n <\/div> \n \n\n
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Free services at Harborstone ATMs.<\/h3>\n <\/div>\n
\n \"Check\"\n <\/figure>\n <\/div> \n \n\n
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Earns dividends on balances.<\/h3>\n <\/div>\n
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\n View Rates and Terms<\/a>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Money Market<\/h2>\n <\/div>\n
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$1,000 minimum balance to earn dividends and avoid a $8 monthly fee.<\/h3>\n <\/div>\n
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Higher dividends for higher balances.<\/h3>\n <\/div>\n
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No minimum withdrawal amounts.<\/h3>\n <\/div>\n
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Free first box of exclusively designed checks.<\/h3>\n <\/div>\n
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\n View Rates and Terms<\/a>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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IRAs & Certificates<\/h2>\n\n\n\n

Prepare now \u2013 your future self will thank you.<\/h3>\n\n\n\n

Whether you\u2019re planning for retirement or just want to set aside money for the future, individual retirement accounts (IRAs) and certificates give you more earning power than a typical savings account.<\/p>\n\n\n\n

We offer Roth IRAs and Traditional IRAs as well as fixed- and flexible-rate certificates.<\/p>\n\n\n\n

Schedule a free financial review<\/a> with a Personal Banker to get started.<\/p>\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n

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Traditional & Roth IRAs<\/h2>\n <\/div>\n
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Traditional IRAs let you save for retirement with tax-deferred earnings and can be withdrawn once you reach age 59\u00bd.<\/h3>\n

Roth IRAs aren\u2019t tax-deductible, but the money you contribute can be withdrawn tax free at any time.<\/h4>\n <\/div>\n
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\n IRA Resources<\/a>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Certificates<\/h2>\n <\/div>\n
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Traditional account with 6-to-60-month term (special rates for members 50 and older).<\/h3>\n

Jumbo account with 6-to-23-month term.<\/h4>\n <\/div>\n
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Flexible account with 12-to-36-month term (special rates for members 50 and older with the option to bump up rate once per term).<\/h3>\n <\/div>\n
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\n View Rates and Terms<\/a>\n Apply Now<\/a>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n\n

<\/p>\n\n\n

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Investment Services<\/h2>\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n
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Keep that hard-earned money.<\/h3>\n <\/div>\n
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Keep that hard-earned money.<\/h3>\n
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Investments play an important role in your financial strategy and can help you grow and preserve your wealth. No matter where you are in life, our investment advisors will help you find the right product for you.<\/p>\n\n\n\n

Check out our Investments<\/a> site to get the guidance you need to invest in yourself for a better future.<\/p>\n\n <\/div>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n <\/div>\n \n <\/div>\n \n \n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":7,"menu_order":5,"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-13","page","type-page","status-publish","hentry"],"yoast_head":"\nSavings & Investing - Harborstone Credit Union<\/title>\n<meta name=\"description\" content=\"Money market accounts, IRA's, certificates, investing services, set-aside savings, and more. 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