Our Story
For 67 years, we’ve worked to bring our members the right products, services and tools that help them reach their full financial potential. And along the way, we’ve established deep roots and built successful relationships. It’s the relationships that make our work meaningful.
About Harborstone
We Are Your Partner
It’s our mission to create thriving communities. We do this by helping our members achieve their full potential through trusted relationships.
We believe our members, regardless of income level, can achieve financial prosperity with the right support, tools and resources. We’re here to help our members feel empowered – giving them confidence that they can thrive and achieve success in their own, unique financial situation.
We believe in relationships. Establishing trust, and following through with consistent, exceptional service to our members. That’s our mission.
We’re Here for Our Members
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 – so that you – and your children – can build confidence in your money habits, that can be nurtured over time.
Manage your money life
Pay yourself first
Exercise smart financing
For Our Members
We offer the everyday banking tools you need to manage your money life – from savings and checking, to debit card rewards, and a convenient mobile app when you’re on-the-go.
We believe in paying yourself first; learning how to budget and save for your long-term goals, and establishing an emergency fund for those unexpected times.
We will help you exercise smart financing and grow your money by building and leveraging your credit wisely.
For Our Business Members
We help you manage your operating cycle, getting you access to low-rate funding that frees up the cash you need to run your business.
We help you pay yourself first, building the cash reserves you need to feel confident that your business can comfortably meet its short-term and emergency needs.
We help you exercise smart financing, with you by your side at every stage of growth.
Our History
1955
Harborstone began as McChord Federal Credit Union, serving airmen on McChord Air Force Base who each owned one $5 share of the credit union.
1996
We changed our name to Harborstone Credit Union and opened our membership to everyone in Washington state.
2013
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.
2016
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.
Today
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.
Member Benefits
Whatever your goal, we’re here to give you the support you need, for the peace of mind you deserve. Your membership makes it possible.
Relationships
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.
Free Checking
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.
Card Features
We’ve got everything – from contactless payment, a digital wallet and credit cards, to rewards programs and card controls – all at your fingertips.
Convenience
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.
Money Management
Starting a budget and keeping track of it doesn’t have to be intimidating. Get started with our Money Management tool.
Peace of Mind
Take comfort knowing your accounts are secure. With federal insurance and top-notch safety protocols, your money has never been better protected.
Cooperative Strength
As a credit union, we operate under cooperative principles that emphasize financial democracy.
We believe in:
Inclusion
We offer open membership and non-discriminatory access.
Equity
Every member gets a vote and has the opportunity to elect their representatives.
Mutual investment
Our members provide capital to Harborstone, which in turns helps our business grow.
Transparency
Members maintain oversight as primary stakeholders.
Knowledge
We offer education and resources that help members prosper.
Unity
We work with other credit unions in the cooperative to address challenges and help members.
Community
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.
(Source: Adapted from the National Credit Union Foundation)
There’s more
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.
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.
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.