{"id":3,"date":"2022-07-25T05:28:23","date_gmt":"2022-07-25T12:28:23","guid":{"rendered":""},"modified":"2025-10-03T00:15:16","modified_gmt":"2025-10-02T17:15:16","slug":"our-story","status":"publish","type":"page","link":"https:\/\/www.harborstone.com\/wph\/workarea\/explore\/our-story\/","title":{"rendered":"Our Story"},"content":{"rendered":"\t\t
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Our Story<\/h2>\n\t\t\t\n\n

For 70 years, we\u2019ve worked to bring our members the right products, services and tools that help them reach their full financial potential. And along the way, we\u2019ve established deep roots and built successful relationships. It\u2019s the relationships that make our work meaningful.<\/strong><\/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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About<\/h3>\n\t\t\t\t\t\t\t\t\t

Harborstone<\/h4>\n\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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Member <\/h3>\n\t\t\t\t\t\t\t\t\t

Benefits<\/h4>\n\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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The<\/h3>\n\t\t\t\t\t\t\t\t\t

Cooperative<\/h4>\n\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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About Harborstone<\/h2>\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n
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We Are Your Partner<\/h3>\n
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It\u2019s our mission to create thriving communities. We do this by helping our members achieve their full potential through trusted relationships.<\/p>\n\n\n\n

We believe our members, regardless of income level, can achieve financial prosperity with the right support, tools and resources. We\u2019re here to help our members feel empowered \u2013 giving them confidence that they can thrive and achieve success in their own, unique financial situation.<\/p>\n\n\n\n

We believe in relationships. Establishing trust, and following through with consistent, exceptional service to our members. That\u2019s our mission.<\/p>\n\n <\/div>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \t\t\n\n\n

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We\u2019re Here for Our Members<\/h2>

We specialize in helping our members and business members achieve their financial goals. We focus on your personal journey rather than product sales, equipping you with the tools and resources you need to be successful. Every decision we make is centered on you, helping to build a thriving community, as people helping people. We want to instill healthy financial habits starting early \u2013 so that you \u2013 and your children \u2013 can build confidence in your money habits, that can be nurtured over time.<\/h3><\/div> \n
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Manage your money life<\/h3>

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Pay yourself first<\/h3>

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Exercise smart financing<\/h3>

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For Our Members<\/h3>\n
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We offer the everyday banking tools you need to manage your money life<\/strong> \u2013 from savings and checking to a convenient mobile app when you’re on-the-go.<\/p>\n\n\n\n

We believe in paying yourself first;<\/strong> learning how to budget and save for your long-term goals, and establishing an emergency fund for those unexpected times.<\/p>\n\n\n\n

We will help you exercise smart financing<\/strong> and grow your money by building and leveraging your credit wisely.<\/p>\n\n <\/div>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \t\t\n\n

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For Our Business Members<\/h3>\n
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We help you manage your operating cycle<\/strong>, getting you access to low-rate funding that frees up the cash you need to run your business.<\/p>\n\n\n\n

We help you pay yourself first<\/strong>, building the cash reserves you need to feel confident that your business can comfortably meet its short-term and emergency needs.<\/p>\n\n\n\n

We help you exercise smart financing<\/strong>, with you by your side at every stage of growth.<\/p>\n\n <\/div>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \t\t\n\n\n

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Our History<\/h2>\n <\/div>\n \n
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1955<\/h2>\n

Harborstone began as McChord Federal Credit Union, serving airmen on McChord Air Force Base who each owned one $5 share of the credit union.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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1996<\/h2>\n

We changed our name to Harborstone Credit Union and opened our membership to everyone in Washington state.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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2013<\/h2>\n

We combined forces with Prevail Credit Union, which allowed us to provide more branch locations and provide our members access to the CO-OP ATM and Shared Branching networks.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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2016<\/h2>\n

We brought TULIP Cooperative Credit Union under our wing. With a shared mission to strengthen our communities through financial counseling, the partnership has allowed us to serve our existing members better, with access to new products and resources and to improve our communities by welcoming underserved people back into the banking system and offering education for all.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Today<\/h2>\n

We continue to serve those who serve, to honor our rich history with our military. We serve all communities in and around our 15 branches throughout the Puget Sound, as well as our members from across the state of Washington.<\/h3>\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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Member Benefits<\/h2>\n\n\n\n

Whatever your goal, we\u2019re here to give you the support you need, for the peace of mind you deserve. Your membership makes it possible<\/strong>.<\/p>\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n

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Relationships<\/h2>\n

We believe that the grass is greener where you water it, so we show up and invest in our communities, because it’s our home too.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Free Checking<\/h2>\n

We offer a competitive APY on a free account that’ll reimburse your ATM fees. Plus, a digital tracker that shows your progress toward rewards.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Card Features<\/h2>\n

We’ve got everything \u2013 from contactless payment, a digital wallet, credit cards and card controls \u2013 all at your fingertips.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Convenience<\/h2>\n

You’re never far from your money with our 24\/7 digital account access and our shared branching network with more than 30,000 ATM locations.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Money Management<\/h2>\n

Starting a budget and keeping track of it doesn’t have to be intimidating. Get started with our Money Management tool.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Peace of Mind<\/h2>\n

Take comfort knowing your accounts are secure. With federal insurance and top-notch safety protocols, your money has never been better protected.<\/h3>\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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Cooperative Strength<\/h2>\n\n\n\n

As a credit union, we operate under cooperative principles that emphasize financial democracy<\/strong>.<\/p>\n\n\n\n

We believe in:<\/p>\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n

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Inclusion<\/h2>\n

We offer open membership and non-discriminatory access.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Equity<\/h2>\n

Every member gets a vote and has the opportunity to elect their representatives.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Mutual investment<\/h2>\n

Our members provide capital to Harborstone, which in turns helps our business grow.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Transparency<\/h2>\n

Members maintain oversight as primary stakeholders.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Knowledge<\/h2>\n

We offer education and resources that help members prosper.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Unity<\/h2>\n

We work with other credit unions in the cooperative to address challenges and help members.<\/h3>\n <\/div>\n \n <\/div>\n \n <\/div>\n \n <\/div>\n \n \n\n
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Community<\/h2>\n

We seek opportunities for sustainable development in our community to ensure people can find hope and pathways to prosperity. At Harborstone, this means providing financial education, serving underserved populations, volunteering outside of our branches and contributing to community initiatives. Read more about our community impact efforts.<\/a><\/h3>\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

(Source: Adapted from the National Credit Union Foundation<\/a>)<\/p>\n\n\n

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There\u2019s more<\/h3>\n\n\n\n

Nearly three-quarters of credit unions offer free checking accounts compared with just 39% of banks. Credit unions also surpass banks on interest rates on savings products. Interest rates on car loans through credit unions are on average one-third lower than through banks.<\/p>\n\n\n\n

Thanks to these more favorable rates, credit union members save between $4.3 billion and $8 billion in economic benefits a year. And by forcing banks to compete by lowering their own rates, it is estimated that credit unions deliver $10 billion annually in benefits to all consumers.<\/p>\n\n\n\n

Being part of a cooperative also means we offer you Global ATM Access with more than 30,000 ATM locations, plus thousands of Shared Branching locations.<\/p>\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n ","protected":false},"excerpt":{"rendered":"(Source: Adapted from the National Credit Union Foundation)","protected":false},"author":1,"featured_media":0,"parent":2,"menu_order":0,"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-3","page","type-page","status-publish","hentry"],"yoast_head":"\nOur Story - Harborstone Credit Union<\/title>\n<meta name=\"description\" content=\"For 70 years, we\u2019ve worked to bring our members the right products, services and tools that help them reach their full financial potential. 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