We believe that as a credit union, we can positively impact the communities in which we serve. As a not-for-profit cooperative, the money we earn is returned back to our members in the form of great rates and low fees, while a bank's profits are generated for the interests of its shareholders.
We offer the same access to smart technology, products, and services that other financial institutions do, with one major difference: We do so with our members' best interests in mind.We set out to talk to some of our loyal members and longest-tenured employees to recognize them and learn about their experiences with Harborstone over the years.
We offer the same access to smart technology, products, and services that other financial institutions do, with one major difference: We do so with our members' best interests in mind.We set out to talk to some of our loyal members and longest-tenured employees to recognize them and learn about their experiences with Harborstone over the years.
Services
When you join Harborstone, you become a member of a not-for-profit financial cooperative. We know that's a mouthful and maybe even a little vague, so here are answers to some of the most frequently asked questions about credit unions in comparison with banks. We're proud of our credit union status and happy to answer any additional questions you may have!
We take pride in the collective ownership of our members. That means our profits go back to you in the form of lower fees, great products, and competitive rates on loans and deposit accounts. APY = annual percentage yield. Dividends on all IRA and certificate accounts are calculated daily and compounded and credited monthly.
As a member-owned and community-based credit union, relationships are at the heart of our business. Our history and roots are built on people helping people and on serving the underserved. Not only do we get to build relationships with our members one-on-one, but we get to show up and serve as the fabric of our community.
We exist to provide our members with the products and services they need to live their lives while helping them avoid fees whenever possible. When you need to transfer funds to a loved one, we're here with our money-transfer options. When you need to cover an overlooked bill, we're here with overdraft protection.
Your membership with Harborstone has real value because you're a part owner. The profits we make are returned to you through better rates, lower fees, and a variety of benefit options. Whether you're looking for points or travel rewards or you just want to earn some cash back on your credit card purchases, we have a card for you.
Reviews (28)
Sound Films
Feb 01, 2022
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We bank here for our small business. We like them, but their phone system is terrible and the wait times in their drive-thru lines are insane. They don't allow you to call a branch directly, which means that even if you have a quick yes or no question (like if a specific person is working or if an ATM is fixed yet) your call gets routed to their corporate phone tree and you're stuck on hold for a loooong time; there hasn't been a single time, including pre-covid, when they're not "experiencing a high call volume." I have no idea what they're reasoning behind this system is. Very frustrating.
Update
Update
Twin Scorpion
Jan 28, 2022
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Been a member here for 11 years plan 40 minutes to an hour even if you're making a deposit the staff at this one are incompetent even if there is no one in front of you it will still take at least 30 minutes I write this from the drive through I came and was the 3rd car there is now two 33 minutes later.
Lorena L.
Jan 02, 2022
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Josue Patino
Dec 31, 2021
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Julia M.
Dec 19, 2021
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Man U.
Nov 21, 2021
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This is the most incompetent financial institution I have ever dealt with. I tried to open a normal run-of-the-mill guardianship account for my son and they refused to do this. I asked if they do guardianship accounts and they said yes, but wouldn't do mine because my son is an adult. Mind you, I have all court papers appointing me guardian of my son's financial affairs.
Recently, I took some documents to be notarized. They were your everyday trust documents that were prepared by my attorney. The notary refused to notarize my documents even though I am a customer of this branch
Recently, I took some documents to be notarized. They were your everyday trust documents that were prepared by my attorney. The notary refused to notarize my documents even though I am a customer of this branch
Brayden Sage
Nov 14, 2021
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All I can say is WOW. Every time I come to this Tacoma location the costumer service is outstanding. Good people, know me personally by name and have built a relationship through the years. I had some things come up and I want to give a big special thanks to Tracy. She went above and beyond to help me out and make everything right. Thank you for everything.
Lisa M. Peppan
Jun 23, 2021
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Susan M.
Jun 02, 2021
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Debra Hamilton
May 03, 2021
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This bank is fine if you never have a problem. Unfortunately I suggested my Mom bank here. She had fraud on her account. We went down moved everything over to new accounts. It has been a nightmare ever since. You cannot talk to a person and when you finally do they send you to someone else. No one calls you back when you call and leave messages. Phone lines at this bank are messed up and if you do get through you sit on hold for over 25 minutes. Been trying to get someone to help as now their bill pay has lost 100.00 of a bill that we paid and then rejected to go out to the vendor. I worked in
Wendi R.
Oct 05, 2020
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Stay far away from this credit union. They are a bottom of the barrel wanna be, who care about no one but themselves and their bottom line. COVID has affected us and our finances, and my husband has been with them for many years. They treated us like dirt. Horrible, heartless and so disrespectful. Please, if your looking for a credit union, DO NOT choose this one.
Ray E.
Sep 01, 2020
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I just spent 13 minutes in their drive through in Lkwd: nothing moved in either lane. It would have been good customer relations for a supervisor to send someone out to explain to the 8 cars and the woman standing in line in the hot sun just what the holdup was and how long it was expected to last. This experience just made me look at the Navy CU with more interest.
Mike M.
Aug 27, 2020
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Amber Gilliland
Jul 15, 2020
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Nothing but issues with this company. Pulling all our money and closing our accounts. My fiance got his debit card hacked and called to report the fraud. He was told that they would need to create him a whole new bank account. He called back a few days later after not hearing anything and the person he spoke to never turned off his stolen card. We were then told he didn't need a whole new account, just a new card. After 2 weeks the card still hadn't come so he called again. They never even mailed it! So we were waiting for nothing. He was then told that they couldn't do anything and we needed to
Abril Z.
Jun 23, 2020
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This credit union is a sham! They repoed my brothers car for some BS when he switched insurances with no warning (they say they mailed letters but couldn't provide copies). They refused to work with him despite 5+ years of on-time full car payments. How they treated him and his case was disgusting. Absolute trash of an institution!
Lillabell
Dec 09, 2019
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The people here are very friendly and helped us out in getting a home loan. I've been to other branches that are equally as helpful with past car loans. I would recommend taking a visit, plus if your looking for a home loan I'd recommend harborstone because they do a cash back deal that you can use as part of your down payment if you'd like, it's your choice. We are going through VA so we plan to use it.
Joseph V.
Nov 21, 2019
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Customer Service here has been hit or miss over the past 10 years I've been banking here.
I started banking here when my parents helped me open my account at the Lakewood branch--so I ignorantly put up with unnecessary hardships.
Have also put up with poor customer service due to multiple access across many locations.
Now that most of my transactions occur over the internet--im in the market for a smaller CU that even pretends to like doing business with me.
I started banking here when my parents helped me open my account at the Lakewood branch--so I ignorantly put up with unnecessary hardships.
Have also put up with poor customer service due to multiple access across many locations.
Now that most of my transactions occur over the internet--im in the market for a smaller CU that even pretends to like doing business with me.
Steve W.
Sep 12, 2019
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Worst experience ever with a credit union. My son attempted to add my name to his vehicle since he had shipped it to our home. This would allow me help with the new registration and such since he is in the Army and currently a long way from home. Our BMV said it was a frequent transaction. Not with Harborstone! They refused to add me. They already charge a ridiculous amount for phone transactions. Our local CU said they would have no issues with our request. Clearly Harborstone has no interest in helping its members, even those serving our country!
Brian K.
Jul 30, 2019
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Received a promotion in the mail letting me know i had been pre-approved to lower my interest rate for my auto loan by a .5% to 4.24. It mentioned that i would get a $200 bonus, no payments for 90 days and i could skip two payments each year. NO WHERE did it talk about this have to be a new loan that i was wanting to set up. Remember, it said" we want to help you lower your auto loan interest rate". So i called in and spoke to a very nice gal who proceeded to tell me that it wasn't for my current loan but for a new one. No where in the print did it say it had to be a NEW loan. Again
Donna A.
Jun 18, 2019
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Christopher S.
Apr 16, 2019
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Disappointed and disillusioned by Harborstone after over 20 years of banking! My first bank account was with one of their predecessor banks. Years later after repeat experience with unkind service, frequent technical problems and exploitative banking practices I am preparing to move all my banking to BECU. I don't know what happened with this credit union (was great as Prevail and King County Credit Union) but based on the experiences of others recorded here, I'm not the only one with a bad taste in their mouth. Do yourself a favor and bank elsewhere.
Tasha P.
Nov 19, 2018
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I have had nothing but trouble with harborstone. I took out a car loan with them 6 months ago and requested the paperwork to change the payment dates to be closer to my payday. I filled out that paperwork and sent it in, both through mail and fax, to the address that was given to me and it was either lost or not received every single time. They charged me for two months for not having insurance when I did (and admittedly one more when I had let it lapse, which I fully accept was my fault.) There have been some people I talked to who we're great, and some who answered the phone incredibly hostile
Adriana S.
Oct 01, 2018
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Long story short. This was resolved thanks to Marcus Spriggs, branch manager, however, the process prior to involving him was terrible.
My original student loan was sold to Harborstone. Somehow during that transition which occurred several years ago, I never received any statements from Harborstone. So, my payments continued to go through and post even after my loan was paid in full. In addition, I was being charged $5 per month for "inactivity". Granted, I should have paid closer attention, but most bills are on auto pay so I just lumped it all together.
I finally received a
My original student loan was sold to Harborstone. Somehow during that transition which occurred several years ago, I never received any statements from Harborstone. So, my payments continued to go through and post even after my loan was paid in full. In addition, I was being charged $5 per month for "inactivity". Granted, I should have paid closer attention, but most bills are on auto pay so I just lumped it all together.
I finally received a
Allen W.
Jun 23, 2018
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Rick S.
Apr 16, 2018
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I am a new car loan customer. This the absolute worst Online Banking experience I have ever had in my life. It took me 2 calls to customer service just to figure out how to make a payment on the loan. And I work with computers all day long. Definitely not somewhere I am going to choose to do my everyday banking.
Jeff H.
Mar 30, 2018
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This credit union is probably the worst you could get involved with. I opened an account online (checking and savings). I closed my account with my old bank. 8 days went by and I received a phone call from a bank rep and it seemed to me that they were doing a feel me out interview. Then they went on to say that although your account is opened we are going to have to close it because their system approved too many accounts??????It was the worst type of customer service that you could ever imagine. I would hate to see what else they do at this bank.
Vanessa D.
Mar 10, 2018
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Barely functional website. The products are a reasonable value if you have the patience to waste time working very hard to set them up. There is a review by Mariann M. which describes in more detail the experiences which are common place. I too was King County Credit Union customer, then a Prevail customer. I have been a customer 12 years. Since the Harborstone merger, it's been a painful process of advocating for myself to have my account in order, get my back cards, just do the basics. The phone support is poor, condescending, disorganized, poor knowledge of the products they are selling
Amory B.
Apr 29, 2017
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I prefer credit unions to banks because they generally provide better customer service and are all-round more ethical, etc. Not so with Harborstone. I'm not sure if they're simply ridiculously incompetent or actually unethical, but it doesn't really matter because it has made my life much more stressful in the short time I've been banking with them. I had a car loan with TULIP, which was transferred to Harborstone when they merged/ were bought out. So far, I've been with Harborstone for two months. Both months have involved time-consuming, stressful, unprofessional, and
