Reviewed by David Annon | July 6, 2026
CDs
12 Month
Rates
I called this branch today. And there rates are nowhere close to what you are advertising.
2026 Overview
General Credit Union Information
Harborstone is an NCUA insured institution located in Tacoma, WA. It was founded in 1955 and has approximately $3134.13 millions in assets.
Who can join?
If you live, work, or worship in the state of Washington, you are eligible for membership at Harborstone Credit Union.
If you don't live, work, or worship in the State of Washington, you can also join if you are:
A family member of a current Harborstone member
Active, Reserve, or Retired Military
Active or Retired Civil Service
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66399 |
| Date Established | 1955 |
| Assets | $3,134.13 million |
| Loans | $2,428.78 million |
| Deposits | $2,597.44 million |
| Capital | $292.76 million |
Field of Membership Restrictions
Membership in Harborstone Credit Union is open to those who live, worship or work in the state of Washington. Membership is also open to active, retired, or reserve military and to active or retired civil service employees.
Deposit Rates - October 27, 2026
Your Current Location: New York, NY 10116
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 1-Year CD
|
4.59% | $5,000 | - |
Learn More
|
| 15 Month Special
|
3.45% | $5,000 | - |
Learn More
|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| PNW Premier | 7.00% | $0 | $0.00 | Learn More |
Loan Rates - October 27, 2026
Your Current Location: New York, NY 10116
There are currently no loan rates available for Harborstone
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2026
Featured - New York Home Equity Line Of Credit Rates 2026
Note to Harborstone
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Harborstone branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Harborstone Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 2590.03 | A | View Lobby Hours | |
| 2590.56 | B | View Lobby Hours | |
| 2597.33 | C | View Lobby Hours | |
| 2597.59 | D | View Lobby Hours | |
| 2597.78 | E | View Lobby Hours | |
| 2600.79 | F | View Lobby Hours | |
| 2602.77 | G | View Lobby Hours | |
| 2604.42 | H | View Lobby Hours | |
| 2604.96 | I | View Lobby Hours | |
| 2605.30 | J | View Lobby Hours | |
| 2607.02 | K | View Lobby Hours | |
| 2607.76 | L | View Lobby Hours | |
| 2609.45 | M | View Lobby Hours | |
| 2609.56 | N | View Lobby Hours | |
| 2609.66 | O | View Lobby Hours | |
| 2614.33 | P | View Lobby Hours | |
| 2615.97 | Q | View Lobby Hours | |
| 2616.29 | R | View Lobby Hours | |
| 2616.66 | S | View Lobby Hours | |
| 2621.42 | T | View Lobby Hours | |
| 2624.03 | U | View Lobby Hours | |
| 2628.96 | V | View Lobby Hours |
Climate Policy and Initiatives
HARBORSTONE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Harborstone Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Harborstone. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Harborstone | U.S. Average |
|---|---|
| 6.98% | 5.13 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2026, Harborstone had $20,622,418 in non-current loans and $833,067 in owned assets. To cover these potential losses it had $292,759,654 in net worth and $14,775,672 in loans loss reserves. That gives it a Texas Ratio of 6.98%.
Net Worth
| Harborstone | U.S. Average |
|---|---|
| 9.34% | 14.54% |
Harborstone FCU has a net worth of 9.34% versus the BestCashCow average of 14.54. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
*All images, logos and public notes on this page appear courtesy of HARBORSTONE and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.
Customer Reviews for Harborstone
David Annon
July 6, 2026
I called this branch today. And there rates are nowhere close to what you are advertising.
Is this review helpful? Yes:2 / No: 0
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