Harborstone Credit Union

logo for HARBORSTONE
Headquarters

Po Box 4207
Tacoma, WA 98438
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 5.50% →
1-Year CD 4.59% 4.80% →
2-Year CD 3.14% 4.25% →
5-Year CD N.A. 4.05% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Harborstone is an NCUA insured institution located in Tacoma, WA. It was founded in 1955 and has approximately $2098.77 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 $2,098.77 million
Loans $1,544.77 million
Deposits $1,829.87 million
Capital $225.51 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 - December 11, 2024

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.50% $5 - Learn More
Money Market
2.01% $0 $9,999 Learn More
Money Market
2.01% $10,000 $99,999 Learn More
Money Market
2.01% $100,000 $249,999 Learn More
Money Market
2.01% $250,000 $999,999 Learn More
Money Market
2.01% $1,000,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
4.08% $500 - Learn More
Jumbo 6 to 11 Month
4.90% $50,000 - Learn More
1-Year CD
4.59% $5,000 - Learn More
15 Month Special
3.45% $5,000 - Learn More
24 Mo CD
3.14% $500 - Learn More
30 Mo CD
3.04% $500 - Learn More
36 Mo CD
2.94% $500 - Learn More
48 Mo CD
4.90% $500 - Learn More
Int Checking Rates APY MIN MAX
INTCK
0.05% $0 $4,999 Learn MoreShow Less
Ultimate Value
0.10% $5,000 $9,999 Learn MoreShow Less
Ultimate Value
0.15% $10,000 - Learn MoreShow Less
Checking Rates APY MIN FEE
PNW Premier 7.00% $0 $0.00 Learn MoreShow Less

Loan Rates - December 11, 2024

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Basis Lending, LLC
NMLS ID: 2463124
License#: Yes
6.048% 5.875% 0.88 $6,000 $1,893 Learn More
Pure Rate Mortgage
NMLS ID: 2578474
6.242% 6.125% 0.88 $4,010 $1,945 Learn More
Valley West Mortgage
NMLS ID: 65506
6.251% 6.125% 1.00 $4,375 $1,945 Learn More
DECO Mortgage
NMLS ID: 2561451
6.266% 6.125% 1.00 $4,902 $1,945 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Rate
Rate
See Table
Intro APR
9.600 %
After Intro: 9.600 %
$25,000 Learn More
More Info
Achieve Loans
Achieve Loans
See Table
Intro APR
10.625 %
After Intro: 10.625 %
$0 Learn More
More Info

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:
Seattle,Washington



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
7.58% 5.83

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, 2024, Harborstone had $17,209,786 in non-current loans and $1,007,963 in owned assets. To cover these potential losses it had $225,513,974 in net worth and $14,775,672 in loans loss reserves. That gives it a Texas Ratio of 7.58%.

Net Worth
Harborstone U.S. Average
10.72% 13.93%

Harborstone FCU has a net worth of 10.72% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Harborstone

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*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.