Loans & Credit
Life can throw you unexpected challenges – and exciting opportunities – when you least expect it. Personal loans and credit cards help you bridge those gaps wisely, so you stay on track with your financial plans.
Personal Line of Credit
With a personal line of credit, you have quick access to your money for whatever you want, whenever you need it. From that long-awaited family reunion to an unexpected trip to the vet, your cash is ready when you are.
Rates are based on WSJ prime plus a margin (based on credit qualifications).
Loan amount limits up to $10,000, with a minimum of $250.
Rates are variable and can change monthly.
Protection against checking account overdrafts and fees.
Signature & Seasonal Loan
With a signature or seasonal loan, the term of your loan is determined by the total amount of the loan.
Loan amounts of $250 to $25,000
Funds can be deposited into savings or checking.
Share Secured Loan
A secured loan lets you borrow against your own money and begin rebuilding credit at a low interest rate without fees or repayment penalties.
Borrow against your savings (share) account or certificate.
Loan amount of $250 to $250,000
Rates calculated based on current share savings or certificate rate.
Share Secure term not to exceed 60 months.
Certificate loans must match the remaining term of certificate.
Short-Term Loan
Our short-term loan allows you to get the cash you need when you need it.
Rate is fixed.
Loan amounts of $250 to $1,000.
Must be a member for at least 90 days.
Application fee and minimum payment amounts apply.
Cannot be opened online; give us a call or visit us in-branch.
Home Equity Line of Credit
A HELOC is a great way to take advantage of your home's equity, with flexibility and access to the funds when you need it most.
Loan amounts from $10,000 to $250,000.
No annual fee or application fee.
Take advantage of a low variable rate.
Open on online, over the phone or in-branch.
You could be preapproved, login to your online banking to find out.
Credit Cards
We’re here to help members like you do more with your finances. That’s why we offer a variety of credit cards with competitive members-only rates, including 0% intro APRs for balance transfers and new purchases, and great rewards like free cash and points you can redeem for travel, gift cards and more.
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Skip A Payment
Life is full of surprises. That’s why Harborstone offers our members the opportunity to skip up to two payments per year on certain loans. Below are a few highlights of the program. Be sure to click Learn More below for full details.
- There is a $40 fee for each skipped loan payment.
- The fee is automatically debited from the primary Harborstone deposit account that you indicate. If the funds are not available in the account at the time of the request, we will not be able to process your Skip-A-Payment.
- Requests must be received by Harborstone at least seven days prior to the loan due date and/or scheduled auto transfer date.
- At least three consecutive payments must have been made on the loan since the original disbursement or the last skipped payment.
- All accounts with Harborstone must be current, including joint accounts, with no amount past due.
Make managing surprise expenses a little less stressful with Skip-A-Payment.