Harborstone Credit Union
Easy Open to everyone in Washington (published history) · confirm share $
Who can join
Opened membership to everyone in Washington state (1996); serves communities in and around Puget Sound and members across WA
How hard
Easy
Fees / share
Confirm membership share / fee on Harborstone site
ATM notes
CO-OP ATM / Shared Branching (published history) — confirm fees on site
- Official name
- Harborstone Credit Union
- Charter / type
- NCUA-insured credit union (confirm via NCUA locator). Roots as McChord FCU; not limited to military today.
- Field of membership (summary)
- Official About history: in 1996 Harborstone “opened our membership to everyone in Washington state.” Today it “serve[s] all communities in and around the Puget Sound as well as our members from across the state of Washington.” Use the current become-a-member flow to confirm your path.
- Join steps (as published)
- Confirm WA eligibility via harborstone.com become-a-member / account opening. Purchase/maintain the published membership share and pay any published membership fee — confirm dollar amounts on the current rate & fee schedule.
- Fees (only if published)
- Membership share and one-time membership fee amounts: confirm on Harborstone’s current Consumer Rate and Fee Schedule (do not invent). Prefer primary PDF / rates page at apply time.
- ATM / network notes
- History notes access to CO-OP ATM and Shared Branching networks after the Prevail combination. Confirm current surcharge rules on Harborstone fee disclosures.
- Branches serving Greater Seattle
- Puget Sound / Pierce-centric history with broader WA service — use harborstone.com locations.
- Caveats
- History-page FOM is clear that membership opened statewide; still confirm the live application path and fees before applying. Military heritage does not limit today’s community membership.
- Join difficulty rationale
- Easy — published open membership to everyone in Washington state.
Sources
Not a guarantee: Meeting the published field of membership does not mean you will be approved. Credit unions still run identity checks (CIP) and their own account rules.
Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.