Harborstone Credit Union Money Market Deposit Review: $2000 Bonus + 3.85% APY (Nationwide)

Available nationwide, Harborstone Credit Union Money Market Deposit Account is offering a sweet 3.85% APY rate + up to $2000 bonus via Raisin. Continue reading below to learn everything you need to know about Harborstone Credit Union.

Update 12/15/25: The rate has decreased to 3.85% APY from 4.00%. You can currently earn up to $2000 bonus through December!

• Start your savings journey this December with promo code GIFT– available for new customers only. Open your first account, add funds, and enjoy cash rewards all year long! The more you save, the more you earn. Add funds each quarter to grow your balance and unlock higher rewards. The more you save, the more you earn up to $2000.
• Deposit $10,000 earns a $20 quarterly bonus (up to $80 bonus).
• Deposit $25,000 earns a $50 quarterly bonus (up to $200 bonus).
• Deposit $50,000 earns a $100 quarterly bonus (up to $400 bonus).
• Deposit $100,000 earns a $200 quarterly bonus (up to $800 bonus).
• Deposit $250,000 earns a $500 quarterly bonus (up to $2000 bonus).

Terms:

• New customers to the Raisin platform only. New customers are eligible to earn a cash bonus each quarter for all of 2026 when they deposit and maintain funds with partner banks and credit unions on the Raisin platform subject to the following terms. To qualify, sign up and initiate your first deposit between December 1, 2025, and December 31, 2025 using promo code GIFT during signup. Qualified new customers will then receive a quarterly bonus based on their Eligible Deposit balance maintained on the Raisin platform for each quarter. Quarterly bonus tiers for Eligible Deposit balances are: $20 for balances between $10,000 and $24,999, $50 for balances between $25,000 and $49,999, $100 for balances between $50,000 and $99,999, $200 for balances between $100,000 and $249,999, and $500 for balances of $250,000 or more. “Eligible Deposits” are defined as both funds on deposit and deposits initiated on the Raisin platform by the 14th day of a calendar quarter (the “Qualification Date”). To qualify for a bonus tier, your Eligible Deposit balance must remain above the minimum for a bonus tier from the Qualification Date until the end of that quarter. If your Eligible Deposit balance declines at any time during a quarter after the Qualification Date, you will be placed in the bonus tier corresponding to your lowest Eligible Deposit balance for that quarter even if you subsequently deposit additional funds in that same quarter (though such funds will count as Eligible Deposits for the following quarter). Customers may increase their Eligible Deposit balance and corresponding potential bonus tier by adding funds prior to the quarterly Qualification date (i.e., the first 14 days of the quarter). Bonus payouts for each quarter will be credited directly to your Cash Account within 30 days of that quarter’s end. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.

About Harborstone Credit Union Money Market Review

Harborstone began in 1955 as McChord Federal Credit Union serving Air Force members on McChord Air Force Base. From our modest beginnings, we have always existed for the betterment of our members and community.

In 1996, we opened our membership up to all Washington State residents, and changed our name to Harborstone Credit Union. We want our neighbors to get the most out of their membership. That’s why we offer tools that help you maximize your rewards and minimize your fees.

I’ll review Harborstone Credit Union Money Market Account below.

Harborstone Credit Union Money Market Deposit Account Rate

• Account Type: Money Market Deposit Account
• Availability: Nationwide
• Interest Rate: 3.85% APY
• Minimum Balance: None
• Maximum Balance: None
• Credit Inquiry: Soft Pull
  
• Opening Deposit: $1 minimum
• Monthly Fees: None
  
• Early Termination Fee: None

(FDIC Insured)

Harborstone Credit Union ACH Capabilities and Limits

How to Earn Harborstone Credit Union Rate

1. Click here to open an Money Market Deposit account from Harborstone Credit Union with an opening deposit of $1.
2. Maintain any balance amount and earn the 3.85% APY rate.

Why You Should Sign Up For This Account

• Federally insured by NCUA. No fees. $1 minimum to open.
• 24/7 online access to funds.
• Supports local organizations focused on financial literacy, community safety, and more.

Bottom Line

Check out this offer from Harborstone Credit Union and open an Money Market Deposit Account to earn the high rate today!

Interested in Bank Bonuses? See our favorite banks including U.S. Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.

For more bank offers, see the complete list of Best Bank Rates and CD Rates.

Check back often to see the latest info on Harborstone Credit Union Money Market Deposit Account.