Credit union · NCUA insured
Harborstone Credit Union
A $3B credit union, the 167th largest of 4,329, headquartered in Lakewood, WA, with 120,361 members and 31 branches in Washington. Best rates: CDs 3.75% and savings 2.01% APY.
Harborstone Credit Union Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#27 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Harborstone Credit Union
Founded in 1955 to serve airmen at McChord Air Force Base, Harborstone Credit Union is a member-owned financial cooperative.
In 1996, the credit union adopted the Harborstone name and opened membership to everyone in Washington state.
Harborstone expanded through combinations with Prevail Credit Union in 2013 and TULIP Cooperative Credit Union in 2016.
- Headquarters
- 9611 Gravelly Lake Dr Sw, Lakewood, WA 98499-1510
- NCUA charter
- 66399
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone in Washington state.
Branches
31 branches in Washington
Loading map…
Washington
31 branches
Seattle area · 18
- Bonney Lake Branch20608 State Route 410 E, Bonney Lake, WA 98391Directions
- Bothell Branch19122 Beardslee Blvd Ste 205, Bothell, WA 98011Directions
- Dupont955 Ross Loop # 100, DuPont, WA 98327Directions
- Federal Way Branch32210 Pacific Hwy S # M36, Federal Way, WA 98003Directions
- Gig Harbor4811 Borgen Blvd, Gig Harbor, WA 98332Directions
- Issaquah Branch1011 NE High St Ste 101, Issaquah, WA 98029Directions
- McChord Branch532 Barnes Blvd, Joint Base Lewis McChord, WA 98438Directions
- Kent Station207 W Kent Station St, Ste. 101, Kent, WA 98032Directions
- Lakewood Branch6019 Lake Grove St SW, Lakewood, WA 98499Directions
- Lynnwood19419 Highway 99, Lynnwood, WA 98036Directions
- South Hill Branch3921 S Meridian, Puyallup, WA 98373Directions
- 5th & Jefferson Branch401 5th Ave Ste 100, Seattle, WA 98104Directions
- Spanaway Branch136 167th St S, Spanaway, WA 98387Directions
- 74th Street Branch7220 Tacoma Mall Blvd, Tacoma, WA 98409Directions
- Center Street Branch4720 Center St, Tacoma, WA 98409Directions
- Tacoma4702 S Pine St, Tacoma, WA 98409Directions
- South Seattle10700 27th Ave S, Tukwila, WA 98168Directions
- Tukwila Branch12834 Interurban Ave S, Tukwila, WA 98168Directions
Mount Vernon area · 6
- Anacortes908 30th St, Anacortes, WA 98221Directions
- Burlington1020 S Burlington Blvd, Burlington, WA 98233Directions
- Concrete45872 Main St, Concrete, WA 98237Directions
- Mt Vernon Blackburn208 E Blackburn Rd Ste 100, Mount Vernon, WA 98273Directions
- Mt Vernon College Way1725 E College Way, Mount Vernon, WA 98273Directions
- Sedro Woolley203 Ball St, Sedro-Woolley, WA 98284Directions
Bellingham area · 2
- Barkley Loan Production Office2211 Rimland Dr, Suite 305, Bellingham, WA 98226Directions
- Belligham1910 Broadway, Bellingham, WA 98225Directions
Oak Harbor area · 2
- Freeland1737 Main St, Freeland, WA 98249Directions
- Oak Harbor315 NE Midway Blvd, Oak Harbor, WA 98277Directions
Olympia area · 2
- Hawks Prairie1445 Galaxy Dr NE, Lacey, WA 98516Directions
- Olympia720 Capitol Way S, Olympia, WA 98501Directions
Friday Harbor area · 1
- Friday Harbor232 A St Ste 2, Friday Harbor, WA 98250Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.34% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.08% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.05% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $94 | $88 | — |
- CapitalNet worth ratio9.34%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.08%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.05%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$94Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Harborstone Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.