Credit union · NCUA insured
Harborstone Credit Union Savings Rates
Harborstone Credit Union’s best savings rate is 2.01% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Harborstone Credit Union’s savings 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
2.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $201
Money Market Account
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Harborstone Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.01%
- $10,000 balance$10,0002.01%
- $100,000 balance$100,0002.01%
- QualifiedQualified2.01%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
2.01%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. | 2.01% | — | Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. |
| $10,000 – $99,999Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. | 2.01% | $201 | Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. |
| $100,000 – $249,999Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. | 2.01% | — | Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. |
| $250,000 – $999,999Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. | 2.01% | — | Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. |
| $1,000,000 and upRequired to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. | 2.01% | — | Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee. |
Sources (2)
All captured Oct 4, 2026
Set-Aside Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Savings
1.01%APY
You cannot open an IRA online. Please visit one of our branch locations or give us call.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$8 annual fee associated with account; $100 minimum monthly balance.Any balance | 1.01% | $101 | $8 annual fee associated with account; $100 minimum monthly balance. |
Sources (1)
- harborstone.com/rates · captured Oct 4, 2026
Holiday Savings
0.50%APY
Automatic monthly transfers from Harborstone checking or savings account; funds are automatically transferred each November 1.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
All captured Oct 4, 2026
Minor Savings
0.50%APY
Youth accounts must be opened in a branch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum monthly balance required to earn APY.$5 and up | 0.50% | $50 | $5 minimum monthly balance required to earn APY. |
Sources (2)
All captured Oct 4, 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.