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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Harborstone Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
Harborstone Credit Union's 1-Year Fixed Rate Accumulator IRA CD rates are at 3.15%, 12-Month CD rates are at 3.15%, Jumbo 12-Month CD rates are at 3.15%, Jumbo 6-Month CD rates are at 3.03%, 6-Month CD rates are at 2.93%. Harborstone Credit Union's savings rates are at 0.05%. Harborstone Credit Union's money market rates are at 2.01%. Harborstone Credit Union's Personal Loan Rates are at 10.75%. MonitorBankRates evaluates the financial stability of Harborstone Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.16%. Rates were last updated on 03/27/2026. Harborstone Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Harborstone Credit Union? Share your experience about Harborstone Credit Union by leaving a review below, or read customer reviews before you decide to use Harborstone Credit Union. Harborstone Credit Union
Administrative Office 9611 Gravelly Lake Dr Sw
https://www.harborstone.com Lakewood, WA 98499 1510 
Harborstone Credit Union CD Rates
Harborstone Credit Union Savings Rates
Harborstone Credit Union Money Market Rates
Harborstone Credit Union Checking Rates
Harborstone Credit Union Home Equity & HELOC
Harborstone Credit Union Auto Loan Rates
Harborstone Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Harborstone Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Harborstone Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Harborstone Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Harborstone Credit Union
Website
https://www.harborstone.com
Address
9611 Gravelly Lake Dr Sw,
Lakewood, WA 98499 1510
Phone
253-584-2260
Fax
253-581-2975
President
Rick Stevens
CEO
Geoff Bullock
Full-Time Employees
410
Part-Time Employees
3
Branch Locations
31
ATM Locations
20
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.16%
Return on Assets (ROA)
0.5452%
Return on Equity (ROE)
5.8467%
Non-Performing Loans Ratio (NPL)
0.88%
Total Assets
2,905,820,644
Total Amount of Shares and Deposits
2,409,027,338
Total Shares and Deposits < 1 Year
2,377,186,457
Total Shares and Deposits 1 3 Years
27,597,721
Total Shares and Deposits > 3 Years
4,243,160
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
282,899,808
Total Uninsured Shares and Deposits > $250K (F+J)
293,182,931
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,115,844,407
Total Interest Expense (Sum of items 6 8)
29,807,594
Share Certificates
10,451
Number of Accounts for Share Drafts
50,606
IRA KEOGH Accounts
737
Number of Accounts for Regular Shares
105,852
Non Member Deposits
30
Money Market Shares
5,238
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
139,760,033
Total Liabilities
2,697,336,634
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Harborstone Credit UnionIs Harborstone Credit Union a safe place to deposit money?Yes, Harborstone Credit Union is considered a safe financial institution. With a Texas Ratio of 7.1585429905595%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Harborstone Credit Union operate?Harborstone Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Harborstone Credit Union?Yes, to access services at Harborstone Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Harborstone Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Harborstone Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Harborstone Credit Union offer online and mobile banking?Most modern institutions like Harborstone Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.harborstone.com. Current Harborstone Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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