Credit union · NCUA insured
Harborstone Credit Union CD Rates
Harborstone Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Harborstone Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Harborstone Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Harborstone Credit Union
3.75%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $375
Traditional Certificate
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Harborstone Credit Union CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo2.93%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo2.41%
- 31–60 months31–60 mo1.89%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Harborstone Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate
Up to 3.75%APY · 3 terms
Automatic renewal available. Certificate-secured loans available. Dividends calculated daily and compounded and credited monthly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsJumbo 6-Month Certificate. Minimum monthly balance of $50,000 | 3.03% | — |
| 12 monthsJumbo 12-Month Certificate. Minimum monthly balance of $50,000 | 3.75% | — |
| 18 monthsJumbo 18-Month Certificate. Minimum monthly balance of $50,000 | 2.56% | — |
Sources (1)
- harborstone.com/personal/check…ngs-account/certificates · captured Oct 15, 2026
Traditional Certificate
Up to 3.75%APY · 7 terms
Automatic renewal available. Certificate-secured loans available. Dividends calculated daily and compounded and credited monthly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6-Month term. Minimum monthly balance of $500 | 2.93% | $145 |
| 12 months12-Month term. Minimum monthly balance of $500 | 3.75% | $375 |
| 18 months18-Month term. Minimum monthly balance of $500 | 2.41% | $364 |
| 24 months24-Month term. Minimum monthly balance of $500 | 2.36% | $478 |
| 30 months30-Month term. Minimum monthly balance of $500 | 1.99% | $505 |
| 36 months36-Month term. Minimum monthly balance of $500 | 1.89% | $578 |
| 48 months48-Month term. Minimum monthly balance of $500 | 1.79% | $735 |
Sources (1)
- harborstone.com/personal/check…ngs-account/certificates · captured Oct 15, 2026
Flexible Certificate
Up to 2.90%APY · 3 terms
Automatic renewal available. Funds can be deposited once per term and rate can be bumped up once per term. Dividends calculated daily and compounded and credited monthly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFlexible 12-Month Certificate. Minimum monthly balance of $500 | 2.90% | $290 |
| 18 monthsFlexible 18-Month Certificate. Minimum monthly balance of $500 | 2.05% | $309 |
| 36 monthsFlexible 36-Month Certificate. Minimum monthly balance of $500 | 1.74% | $531 |
Sources (1)
- harborstone.com/personal/check…ngs-account/certificates · captured Oct 15, 2026
Special-purpose accounts
Accumulator IRA Certificate
Up to 3.75%APY · 3 terms
Cannot open online (visit branch or call). Includes accumulator feature allowing members to adjust rate once per term if rates rise, fixed rate, and up to 26 deposits ($50 minimum per deposit) allowed per year. Dividends compounded and credited monthly. Early withdrawal penalties may apply.
| Term | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months1-Year term. $8 annual fee applies. Minimum monthly balance of $100 | 3.75% | — | 3.75% | $375 |
| 18 months18-Month term. $8 annual fee applies. Minimum monthly balance of $500 | — | 2.41% | 2.41% | $364 |
| 24 months2-Year term. $8 annual fee applies. Minimum monthly balance of $100 | 2.46% | — | 2.46% | $498 |
Sources (1)
- harborstone.com/personal/check…ngs-account/certificates · captured Oct 15, 2026
Fixed Rate IRA Certificate
1.89%APY · 1 term
Cannot open online (visit branch or call). Comes with add-on and bump-up features. Dividends compounded and credited monthly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months5-Year term. $8 annual fee applies. Minimum monthly balance of $500 | 1.89% | $981 |
Sources (1)
- harborstone.com/personal/check…ngs-account/certificates · captured Oct 15, 2026
Who can join Harborstone Credit Union
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.
Membership information collected October 4, 2026.