Harborstone Credit Union Federal Way WA | Top Auto Loans & Business Banking

Introduction

Welcome to Harborstone, your trusted partner in financial well-being located at 32210 Pacific Hwy S, Federal Way, WA 98003. Established in 1955, we have proudly served our community for decades, helping over 91,000 members achieve their financial goals. With total assets exceeding $2.11 billion and a robust deposit base of $78,681,746, we are committed to providing safe and sound financial services tailored to meet the diverse needs of our members. At Harborstone, we understand that managing finances can be challenging, which is why we're here to guide you every step of the way. Our dedicated team of 301 employees, led by CEO Geoff Bullock and Board President Rick Stevens, strives to deliver exceptional service and innovative solutions. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our team is ready to assist you. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at PO Box 4207, Tacoma, WA 98438. We invite you to explore the variety of services we offer, including online and mobile banking for added convenience. Our commitment extends beyond transactions; we aim to create a lasting impact on the communities we serve. Ready to take the next step? Call us at 253-584-2260 or visit our website at Harborstone.com today! Together, let's build a brighter financial future.

Branch History & Mission

Join Us

As we continue this journey together, we invite you to experience the benefits of being part of Harborstone. From checking accounts and auto loans to business banking solutions, there's something for everyone. Let's work together toward a brighter financial future because at Harborstone, your success is our mission. For any questions or assistance, feel free to reach out at 253-584-2260 or visit us online at Harborstone.com. We look forward to welcoming you into our family!

Our Journey

From our humble beginnings to becoming a cornerstone of financial support in Federal Way, Harborstone's history is marked by milestones that reflect our dedication to growth and service. Over the years, we have expanded our offerings and enhanced our resources to ensure that every member receives personalized attention and comprehensive solutions tailored to their unique needs. Our total assets now stand at an impressive $2,112,101,109, showcasing our stability and ability to support the financial aspirations of our members. As we evolve with the times, we've embraced digital advancements while maintaining a personal touch. Our commitment to accessibility means you can enjoy modern banking conveniences like online banking and mobile payments while still receiving face-to-face assistance when needed.

Our Mission

At Harborstone, we believe that everyone deserves access to quality financial services. Our mission is simple yet profound: to empower individuals and families in achieving their financial goals while fostering a spirit of community support. We are not just about transactions; we strive to create lasting relationships based on trust and mutual benefit. We take pride in actively engaging with our community through various outreach programs and partnerships that help uplift those around us. Whether it's offering educational workshops or providing support during challenging times, we are here for you. While members can visit us at 32210 Pacific Hwy S, official correspondence should be sent to PO Box 4207, Tacoma, WA 98438. Our friendly team is available during lobby hours from Monday to Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Although we do not have drive-thru services, ATM availability ensures your banking needs are met conveniently.

Branch Location & Accessibility

Accessibility and Services

At Harborstone, we believe that banking should be accessible to everyone. Our branch features ADA-compliant facilities including ramps and accessible parking spots to ensure that all members can visit us comfortably. While we don't have a drive-thru service at this location, we do offer an ATM for quick cash withdrawals and balance inquiries. Our operating hours cater to busy schedules: we're open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you're looking to set up a new checking account or inquire about loans and refinancing options, our knowledgeable staff is here to assist you during these hours.

Community Focus

As part of our commitment to serving the community, we also offer shared services for partner credit union members. This means you can perform basic transactions like deposits and withdrawals even if you're not a member of Harborstone! We invite you to come by and experience our range of personal banking services firsthand whether it's checking and savings accounts, auto loans, mortgage financing, or credit cards with rewards. You can also take advantage of online and mobile banking options that allow you to manage your finances on-the-go. Don't hesitate to reach out! If you have any questions or need assistance before your visit, feel free to give us a call at 253-584-2260. We look forward to welcoming you at the Harborstone Federal Way Branch soon!

Member Eligibility

At Harborstone, we believe that becoming a member means joining a community that supports your financial journey. If you're looking to experience the benefits of membership, the good news is that eligibility is straightforward and welcoming. Anyone who lives, works, or attends school in our service areas can become a part of our family. This means if you are in the Federal Way area or nearby, you're likely eligible to join us! By choosing Harborstone, you not only gain access to a variety of personal and business banking services but also enjoy competitive rates and a commitment to your financial well-being. Ready to take the next step? Opening an account with us is easy! For full details on the eligibility criteria and to see if you qualify, visit this link. If you have any questions or need assistance, don't hesitate to give us a call at (253) 584-2260. We can't wait to welcome you to Harborstone at 32210 Pacific Hwy S, Federal Way, WA 98003!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a reliable partner that helps you process payments smoothly, manage cash flow efficiently, and enhance customer experiences. Our merchant services provide just that. From point-of-sale solutions to online payment processing, we offer tools that simplify transactions and improve your bottom line. Located at 32210 Pacific Hwy S Federal Way Wa 98003 in Federal Way, WA, our team is ready to assist you every step of the way. Connect with us today at (253) 584-2260 or visit our website here to discover how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $326 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $99 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $321,910,654, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For small business owners, our business banking services include merchant services and business loans. Whether you're starting a new venture or looking to expand, Harborstone is here to support your business goals.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why our online and mobile banking options allow you to manage your finances from anywhere. With features like e-statements and person-to-person payments, handling transactions has never been easier. Our ATM services ensure you have access to cash when you need it without any hassle. Plus, we participate in shared branching networks so you can perform basic transactions even if you're away from home. At Harborstone in Federal Way, we believe in offering not just services but solutions tailored to meet the unique needs of our members. If you're ready to take the next step in achieving your financial dreams or simply want more information about what we offer, don't hesitate to reach out! Call us at 253-584-2260 or visit us online at Harborstone. We're excited to serve you!

Loans for Every Need

We also offer personal loans for debt consolidation or unexpected expenses. Life can throw surprises your way, and having access to funds when needed can provide peace of mind. Our credit cards come with rewards too making daily purchases more rewarding!

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that cater to everyday needs. Whether you're managing day-to-day expenses or saving for something special, our accounts provide flexibility and convenience. Imagine having a dedicated space for your funds while enjoying features like online banking and mobile payments right at your fingertips. When it comes to financing options, our auto loans and vehicle financing services make purchasing a car straightforward. We understand that buying a vehicle can be stressful, which is why we aim to simplify the process with competitive rates and easy application procedures. For those looking to buy or refinance their homes, our mortgage loans are tailored to fit various budgets. Picture yourself settling into your dream home with the support of Harborstone every step of the way.

Digital & Online Banking

Convenient Online Services

Our online banking platform provides you with real-time account management tools, allowing you to check your balances, make transfers, and pay bills all in one place. Plus, with our E-Statements feature, you can say goodbye to paper clutter and receive your statements electronically whenever you need them. We also support Person-to-Person Transfers, making it simple to send money to friends or family quickly and securely.

Mobile Banking at Your Fingertips

For those on the go, our mobile application offers all the conveniences of online banking right from your smartphone. Whether you're making payments through Mobile Payments or reviewing your transaction history, everything is just a tap away. And if you prefer to sign documents electronically, our Electronic Signature Authorization feature makes it quick and hassle-free.

Security You Can Trust

Your security is our top priority. Our digital banking services are equipped with robust security measures to protect your personal information while providing a user-friendly experience. You can bank confidently, knowing that your data is safeguarded around the clock. With all these features combined, Harborstone offers a comprehensive suite of digital banking solutions that are designed for accessibility and ease of use. Join us today at https://www.harborstone.com/ and take control of your financial journey with confidence!

Financial Strength

Growing Membership Base

We currently have a robust membership base with a total of 165,601 share accounts trusting us with their finances. This growing trust reflects our commitment to serving you effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Harborstone is your trusted partner. Visit us at 32210 Pacific Hwy S Federal Way WA 98003 or call 253-584-2260 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.*

Member-Centric Savings

Members' savings are secured through $512,450,718 in share certificates and $310,350,213 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $44,693,924, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our financial performance shows through our $0 net income, indicating our commitment to maintaining efficiency while serving our community. We also take pride in having 298 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting in Our Community

With $195,595,593 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Currently, we support our members with $23,104 in used auto loans and an impressive $1,568,324,410 in total loans and leases across various sectors. This lending capacity helps you achieve your financial goals.

Strong Financial Health

With a net worth of $225,838,030, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1067 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $467,455,823 in used vehicle loans and $138,593,031 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles to ensure you have options that fit your budget.

Business Financing

For business owners in our community, we have outstanding commercial loans totaling $321,910,654 available. These loans can provide the capital needed to grow and expand your business operations. If you're interested in refinancing or want to know more about eligibility options for any of these products, feel free to reach out. You can contact us at 253-584-2260 during our operating hours: Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 1 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Harborstone, we're committed to providing personalized service and supporting your financial journey every step of the way.

Credit Lines

For those seeking flexibility in managing expenses, we also offer credit lines with a total amount of $442,023,998. This allows you to access funds as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $104,064,238, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We provide flexible terms on unsecured credit card loans as well. Although currently there are no outstanding unsecured credit card loans at this time, our offerings are designed to help members manage their finances effectively when they need it most.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh ensures that all loan data is accurate and trustworthy. The information on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This guarantees that users receive fair and transparent offers tailored to their financial needs.

Harborstone