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Harborstone Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
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: April 26, 2026

You can compare Harborstone Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 3.55% and 3-month share certificate rates at 0.25%. Savings rates are at 0.75% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.06%. All these rates can be compared to Harborstone Credit Union rates. 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 04/26/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.16%
Excellent Higher than avg
Harborstone Credit Union
Administrative Office
9611 Gravelly Lake Dr Sw
Lakewood, WA 98499 1510
https://www.harborstone.com
Member NCUA

Current Rate Availability

We do not have Harborstone Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

Customer Reviews

There are no reviews for Harborstone Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Harborstone Credit Union
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Frequently Asked Questions About Harborstone Credit Union

Is 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.

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