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.
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.