Harborstone Credit Union Lacey WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Harborstone at 1445 Galaxy Dr Ne, Lacey, WA 98516 a credit union committed to serving our community with integrity and care since 1955. With over 91,754 members, we pride ourselves on being more than just a financial institution; we are your neighbors, dedicated to helping you achieve your financial goals. Whether you're looking for personal banking options, auto loans, or business services, we have a range of solutions tailored just for you. At Harborstone, we understand that trust is built through strong relationships and reliable service. Our total assets of $2,112,101,109 and total deposits amounting to $78,681,746 reflect our commitment to sound financial management and the well-being of our members. Under the leadership of our CEO, Geoff Bullock, and Board President Rick Stevens, our experienced team of 301 employees is here to support you every step of the way. While members can visit us at our branch location in Lacey, official correspondence should be sent to our mailing address: PO Box 4207, Tacoma, WA 98438. We invite you to explore what makes Harborstone unique our dedication to community impact and member satisfaction is at the heart of everything we do. Ready to take control of your financial future? Visit us online at Harborstone.com or give us a call at 253-584-2260. We look forward to serving you!

Branch History & Mission

At Harborstone, we take pride in our rich legacy of serving the community since our doors opened in 1955. Located at 1445 Galaxy Dr NE in Lacey, WA, our branch has been a trusted financial partner for generations. Over the years, we have grown into a vibrant credit union with a membership of over 91,000 and total assets exceeding $2.1 billion. This growth reflects not just our commitment to financial excellence but also our dedication to supporting the diverse needs of our members. From humble beginnings, Harborstone has evolved significantly. We've embraced technological advancements that make banking easier and more accessible for everyone. Our digital services, including online banking and mobile payments, ensure that members can manage their finances anytime and anywhere. We are also proud to offer ADA-compliant facilities to accommodate all members of our community. Our mission is clear: to provide exceptional financial services while fostering strong community connections. We believe that banking should be about more than just transactions; it's about building relationships and empowering individuals and families to achieve their financial goals. Whether you're looking for personal banking options like checking and savings accounts or loans for your next vehicle or home, we are here to help. While members can visit us at 1445 Galaxy Dr Ne Lacey Wa 98516, official correspondence should be sent to PO Box 4207, Tacoma, WA 98438. Our operating hours are designed with your convenience in mind: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday drive-thru service from 9 AM to 1 PM. Community engagement is at the heart of what we do. We actively participate in local events and initiatives that uplift those around us. Our partnerships with various organizations allow us to extend support where it's needed most, reinforcing our commitment not just as a financial institution but as a vital part of Lacey. If you're looking for a credit union that prioritizes its members and the community above all else, we invite you to join us at Harborstone. Experience firsthand the benefits of being part of an organization that truly cares about your success. Call us today at (253) 584-2260 or visit our website at Harborstone to learn more!

Branch Location & Accessibility

Convenient Access

Our location offers ample parking, making it easy for you to stop in and take care of your banking needs. We are proud to provide ADA-compliant features, including ramps for easy access. Plus, if you prefer to stay in your car, our drive-thru service is available for deposits and withdrawals, ensuring that your banking experience is as smooth as possible.

Nearby Landmarks

Located near popular local landmarks, our branch is just a short drive from the scenic Lacey Park and close to several shopping centers. This makes it simple to combine your banking errands with other activities.

Operating Hours

At Harborstone, we understand that life can get busy. That's why we offer flexible hours for your convenience. You can visit us Monday through Thursday from 9 AM to 5 PM and on Friday from 9 AM to 6 PM. For those who prefer weekend visits, our drive-thru is open on Saturday from 9 AM to 1 PM.

Services Offered

We're proud to offer a variety of services tailored just for you! From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have everything you need under one roof. If you're a business owner, check out our business banking services as well! Our shared service center allows members of partner credit unions to access basic transactions with ease. If you have any questions or need assistance, feel free to give us a call at 253-584-2260. We invite you to visit us soon at Harborstone Hawks Prairie we're excited to serve you!

Member Eligibility

At Harborstone, we believe that everyone deserves to be part of a supportive financial community. Joining us is easy and welcoming! To become a member of Harborstone, you simply need to meet certain eligibility criteria which can include living, working, or attending school in specific areas or being related to an existing member. We invite individuals from diverse backgrounds to join our family and enjoy the benefits that come with membership, such as competitive loan rates and personalized service. For more detailed information on eligibility requirements, please check out this resource: Harborstone Eligibility. Once you're ready to take the next step, opening an account is straightforward and hassle-free. Our friendly staff at 1445 Galaxy Dr Ne, Lacey WA 98516, are here to assist you every step of the way. If you have any questions or need assistance, feel free to give us a call at (253) 584-2260. We can't wait for you to experience all the advantages that come with being a member of Harborstone!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

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.

Streamlined Merchant Services

Imagine being able to accept payments anytime, anywhere. Our merchant services make this possible, allowing you to focus on what you do best running your business. Whether you need point-of-sale systems or online payment options, we have solutions that fit your needs and help streamline your operations. Visit us at 1445 Galaxy Dr Ne Lacey Wa 98516 in Lacey, WA, or give us a call at (253) 584-2260 to learn how our business banking services can empower your success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help make that dream a reality. We understand that buying a car is a big decision, so we provide competitive rates and personalized service to guide you through the process. Picture yourself driving off in your new vehicle without the stress of complicated financing.

Business Banking

For entrepreneurs and business owners, our business banking services provide essential tools such as merchant services and business loans. We understand how critical it is to have financial support when growing your business, which is why we offer customized solutions to fit your needs.

Convenient Access

Our digital banking features include online and mobile banking, which allow you to manage your accounts from anywhere at any time. With features like ATM access for cash withdrawals and simple drive-thru transactions available, convenience is just part of what we do at Harborstone.

Credit Cards with Rewards

Looking for a credit card that offers more? Check out our credit cards with rewards program! Enjoy benefits like cash back or travel rewards while making everyday purchases. It's an easy way to earn rewards simply by using your card for things you already buy.

Mortgage Loans & Refinancing

If homeownership is on your mind, our mortgage loans and refinancing services are here for you. We aim to make the home buying or refinancing experience as smooth as possible. With various mortgage products available, including conventional loans, we ensure that you can find the best fit for your financial situation.

Personal Banking

For those looking to manage their everyday finances, we offer a variety of personal banking options. Whether you're setting up a checking or savings account, you'll find flexible solutions designed for your lifestyle. Imagine having the ability to easily track your spending and save for that dream vacation all accessible through our user-friendly online and mobile banking platforms.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation options to help ease those burdens. Whether it's covering medical bills or consolidating credit card debt into one manageable payment, our team is ready to assist you every step of the way.

Shared Branch Transactions

We also participate in shared branch transactions for partner credit union members, making it easier than ever to access funds when you're away from home. This means you can perform deposits and withdrawals at various locations beyond just our branch. At Harborstone, we strive to be more than just a credit union; we're a community resource committed to serving you with respect and integrity. If you're interested in learning more about any of these services or want personalized assistance, don't hesitate to reach out! You can call us at (253) 584-2260 or visit us today at 1445 Galaxy Dr Ne Lacey Wa 98516. Let's work together towards achieving your financial goals!

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter with our e-statements feature! Enjoy instant access to your financial documents without the wait. Plus, if you're always on the go, our mobile application makes banking even more convenient. You can manage your accounts, make payments using mobile payments, and handle person-to-person transfers directly from your smartphone.

Security You Can Trust

We prioritize your security. Our platform uses advanced encryption technology to keep your information safe while you bank online. With these robust safety measures in place, you can rest easy knowing that your financial data is protected. With Harborstone, banking has never been more accessible or efficient. From real-time account management to secure transactions, we are committed to providing you with the best digital banking experience possible. Embrace the convenience today and take full advantage of all that our online services have to offer!

Financial Strength

Committed to Growth

With $195,595,593 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $23,104 in used auto loans and $1,568,324,410 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. 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, committed team.

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.

Our Solid Foundation

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 $1,067 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Your Trusted Partner

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 1445 Galaxy Dr Ne Lacey Wa 98516 or call (253) 584-2260 to learn more about how we can help you achieve your financial goals.

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 know that financing a vehicle can be daunting, which is why we strive to make the process as straightforward as possible.

Commercial Loans

For business owners, our outstanding commercial loans totaling $321,910,654 provide the capital needed to grow and expand your business operations. We understand how important it is to have access to funds when opportunities arise. No matter what type of loan you're interested in, our dedicated team at Harborstone is here to guide you every step of the way. We believe in making borrowing accessible and manageable for all our members. To learn more about our loan offerings or discuss your specific needs with one of our representatives, please call us at 253-584-2260 or visit us at 1445 Galaxy Dr Ne Lacey Wa 98516. Your journey towards achieving your financial dreams starts here! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Personal Loans

For those looking for flexibility in their finances, our total credit lines amount to $442,023,998. These lines can be an excellent way to cover unexpected expenses or fund personal projects without the need for a traditional loan structure. Additionally, we offer unsecured credit card loans to help you manage everyday purchases effectively.

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. We offer competitive rates and flexible terms to fit your budget and lifestyle. Plus, if you're considering refinancing your existing mortgage, our team is here to help explore eligibility options that could save you money.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and accuracy, LendMesh helps users navigate the often complex landscape of lending. LendMesh ensures accurate loan comparisons by sourcing loan data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This adherence to established guidelines guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By relying on verified data, LendMesh builds trust with its users, allowing them to make informed decisions about their financial futures. One significant advantage of using LendMesh is that it provides Verified Data. All loan offers come from legitimate financial institutions, ensuring full transparency in the comparison process. Moreover, LendMesh maintains integrity by offering No Sponsored Listings; lenders are not prioritized based on paid promotions. This approach means that users receive unbiased results tailored to their needs. Additionally, LendMesh delivers Real-Time Rate Comparisons, showing up-to-date loan rates from multiple institutions. This feature empowers users to find the most favorable terms available at any given time. A satisfied user shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of LendMesh in helping individuals secure better financing options. To explore your options and make informed choices about loans that suit your needs, compare real-time loan offers today at LendMesh. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Harborstone

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access

Nearby Landmarks

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Streamlined Merchant Services

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking

Convenient Access

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Shared Branch Transactions

Digital & Online Banking

E-Statements and Mobile Features

Security You Can Trust

Financial Strength

Committed to Growth

Member-Centric Savings

Our Solid Foundation

Your Trusted Partner

Loan Offering

Auto Loans

Commercial Loans

Credit Lines and Personal Loans

Mortgage Loans

Loan Aggregator

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