Harborstone Credit Union Spanaway WA | Affordable Vehicle Loans & Checking

Introduction

Welcome to Harborstone, your trusted financial partner in the heart of Spanaway, WA. Located at 136 167Th St S, our branch has been proudly serving the community since 1955. With a strong commitment to our members, we have grown to support over 91,754 members and manage total assets exceeding $2.11 billion. At Harborstone, we understand that every financial decision matters. That's why we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. Our friendly team is dedicated to ensuring you feel valued and supported on your financial journey. While members can visit us at our branch, official correspondence should be sent to PO Box 4207, Tacoma, WA 98438. We also provide robust online and mobile banking options for added convenience. Under the leadership of CEO Geoff Bullock and Board President Rick Stevens, our team of 301 employees is here to help you navigate your financial goals with confidence. Whether you're looking for guidance on loans, deposits, or simply want to explore what we can do for you, we invite you to reach out at 253-584-2260 or visit us online at www.Harborstone.com. Join us today and discover how Harborstone is not just a credit union but a vital part of the Spanaway community!

Branch History & Mission

Welcome to the Harborstone Spanaway Branch, a cornerstone of financial service in the heart of Spanaway, WA. Since opening our doors in 1955, we have proudly served our community, growing alongside our members and evolving to meet their changing needs. Today, with over 91,000 members and total assets exceeding $2.1 billion, we continue to embody the spirit of community and cooperation that defines credit unions. Located at 136 167Th St S, Spanaway, WA 98387, our branch is easily accessible for residents and visitors alike. Whether you're looking to open a new checking account or need assistance with auto financing, our dedicated team is here to support you every step of the way. If you need to send official correspondence, please use our mailing address: PO Box 4207, Tacoma, WA 98438. At Harborstone, our mission is clear: we are committed to providing exceptional financial services while fostering meaningful connections within our community. We strive to empower individuals and families by offering a wide range of products including personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking services. Our goal is not just to serve but to uplift our members financially while contributing positively to local initiatives. Throughout the years, we have embraced advancements in technology to enhance your banking experience. Our digital banking options include online banking, mobile payments, and e-statements all designed with your convenience in mind. Furthermore, we ensure accessibility for all through ADA compliance across our branch facilities. Community involvement is at the heart of what we do. We actively partner with local organizations and participate in outreach efforts that help improve the lives of those around us. From sponsoring local events to supporting educational programs, Harborstone is more than just a financial institution; we are your neighbor and ally. With convenient operating hours Monday through Thursday from 9 AM to 5 PM (including drive-thru), Friday from 9 AM to 6 PM (including drive-thru), and Saturday from 9 AM to 1 PM (drive-thru only) we make it easy for you to access your funds when you need them. Our branch also features an ATM for quick transactions outside regular hours. Join us on this journey! Experience firsthand how Harborstone can support your financial goals while enriching our community together. For any inquiries or assistance, don't hesitate to reach out at 253-584-2260. We look forward to welcoming you into the Harborstone family!

Branch Location & Accessibility

Accessibility Features

At Harborstone, we believe in making banking accessible for everyone. Our branch is designed with ADA compliance in mind, featuring ramps and spacious layouts that ensure all members can navigate comfortably. Plus, parking is available right outside the branch for your convenience.

Operating Hours

We understand how busy life can be! That's why our lobby hours are designed to fit your schedule. You can visit us from Monday to Thursday between 9 AM and 5 PM, and on Fridays we're open until 6 PM. If Saturdays work better for you, don't worry we have drive-thru services available from 9 AM to 1 PM.

Services Offered

Our Spanaway Branch offers a wide range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. For added convenience, we also provide ATM access and basic drive-thru banking for simple transactions. Feel free to reach out at (253) 584-2260 if you have questions or would like more information about how we can assist you. We invite you to come visit us today and discover the many ways we can help make your financial journey smoother!

Member Eligibility

At Harborstone, we believe that everyone deserves to be part of a caring and supportive community. Becoming a member is not just about banking; it's about joining a family that looks out for one another. To qualify for membership, you simply need to meet some friendly criteria. Whether you're living or working in our local area, you're likely eligible! We welcome individuals and businesses who share our values and are eager to take advantage of the various financial services we offer. For more detailed information on eligibility, feel free to explore this resource. Joining us is easy! You can start your membership journey by reaching out to us at (253) 584-2260 or visiting our branch located at 136 167Th St S Spanaway Wa 98387. Our team is here to guide you through the process, ensuring you understand all the benefits that come with being a member of Harborstone. From personal banking solutions to business services, we're excited to help you achieve your financial goals.

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to our loan options, we offer comprehensive merchant services that simplify transactions for your business. Imagine being able to accept payments easily, whether it's through credit cards or mobile payments. This convenience not only enhances customer satisfaction but also helps you manage cash flow more effectively. Located at 136 167Th St S Spanaway Wa 98387 in Spanaway, WA, our dedicated team is here to partner with you on your journey. Let us help you achieve your business goals today! For more information, call us at (253) 584-2260 or visit our website at Harborstone.

Comprehensive List Of Services

Business Banking

For small business owners, we offer comprehensive business banking services including merchant services and business loans. These services are designed to help your business thrive, whether you're just starting out or looking to expand.

Convenient ATM & Cash Withdrawal Services

Need cash on the go? Our ATMs are available for quick withdrawals and balance checks, ensuring you have access when you need it most. Plus, our drive-thru banking allows for easy deposits, withdrawals, and simple transactions without leaving your car.

Credit Cards with Rewards

Enjoy shopping while earning rewards with our credit cards! They not only provide purchasing power but also offer cashback and points that can be redeemed for exciting rewards. It's a win-win!

Exceptional Customer Support

Our friendly team at the Spanaway Branch is here to assist you with all your banking needs. Whether you're visiting us during lobby hours or utilizing our drive-thru services on weekends (Saturday from 9 AM to 1 PM), we're committed to providing personalized service every step of the way. We invite you to visit us or give us a call at 253-584-2260. Experience firsthand how Harborstone is ready to support your financial journey with tailored solutions just for you! For more information about our services or to get started today, head over to Harborstone's website.

Online & Mobile Banking

In today's fast-paced world, we know how important it is to have access to your accounts anytime, anywhere. With our online and mobile banking, managing your finances has never been easier. You can check balances, transfer funds, pay bills, and even make person-to-person payments right from your smartphone.

Personal Banking

When it comes to managing your money, our personal banking services are designed to give you control and convenience. From checking and savings accounts that help you save for the future, to auto loans and vehicle financing for that new car you've been eyeing, we've got you covered. Need a place to call home? Our mortgage loans and refinancing options can help you secure your dream home or lower your current monthly payments. We also offer personal loans and debt consolidation solutions to help you manage life's unexpected expenses without stress.

Digital & Online Banking

E-Statements

Say goodbye to paper clutter! With e-statements available, you can keep track of your financial activity without the hassle of physical statements. It's not only environmentally friendly but also provides instant access to your account history whenever you need it. At Harborstone, we prioritize security and convenience in all our digital banking offerings. Our systems are designed to keep your information safe while ensuring that managing your finances is as simple as possible. Join us today to experience the future of banking!

Mobile Application

For those who prefer managing their accounts on their smartphones, our mobile application makes it even easier. You can enjoy features like mobile payments and person-to-person transfers right at your fingertips. Whether you're splitting the bill with friends or paying for groceries, our app has got you covered.

Online Banking Services

Our 24/7 online banking services at https://www.harborstone.com/ empower you to take control of your finances whenever it suits you. Whether it's checking your balance or reviewing recent transactions, everything is just a few clicks away. Plus, with the option for electronic signature authorization, signing documents is more convenient than ever. No need to print or mail anything!

Financial Strength

Dedicated Team to Serve You

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. The trust our members place in us is evident as we manage a robust total of 165,601 share accounts, showing a strong and growing member base that trusts us with their finances. 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 136 167Th St S Spanaway Wa 98387 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.

Diverse Lending Options

Our lending capacity supports members' financial goals across various sectors with $23,104 in used auto loans and an impressive $1,568,324,410 in total loans and leases. This diverse portfolio enables us to cater to the unique needs of our community.

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.

Solid Financial 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 1067 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings Reinvestment

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. Our operational efficiency is reflected in our $0 net income, which allows us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $467,455,823 in used vehicle loans and $138,593,031 in new vehicle loans, helping members get on the road with affordable financing options. Whether you're eyeing a reliable used vehicle or the latest model fresh off the lot, we've got you covered.

Commercial Loans

For business owners seeking capital to grow and expand their operations, our outstanding commercial loans total $321,910,654. These loans provide the financial support needed to take your business to the next level.

Credit Lines and Unsecured Credit Cards

Managing day-to-day expenses can sometimes be challenging. That's why we offer flexible terms on credit lines totaling $442,023,998, allowing you to access funds when you need them most. We also have unsecured credit card loans available; however, currently, there are no outstanding unsecured credit card loans issued.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $104,064,238, making buying or refinancing simple and accessible. We provide tailored solutions for first-time buyers as well as those looking to refinance their existing mortgages.

Refinancing Options

If you're considering refinancing any of your existing loans whether it's an auto loan or mortgage our team at Harborstone is here to help guide you through the process and find options that suit your needs. We invite you to visit us at our branch located at 136 167Th St S Spanaway WA 98387 or give us a call at 253-584-2260 for more information about our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

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Harborstone