Get documents about "Update
Document Sample
Update
u
share Your Have New Car Fever?
thoughts, Win a Get Rates As Low As 4.74% APR
On A Harborstone Auto Loan
$100 VIsA® Gift Card september 2010
ready for a new car but not
A s a member-owned credit union,
we’re always looking for ways
to help explain the many benefits of a
Tell us! Visit harborstone.com
and click on the survey link under
“What’s Happening.” You get the
quite sure you can afford it?
Here’s your solution! right now,
Harborstone offers rates as low
Harborstone membership. chance to win a $100 VISA® gift as 4.74% aPr on a vehicle loan.
Right now, we’re evaluating the card just by entering your name. But
way we keep you informed about we hope you’ll take a few minutes to It’s a great deal on a great loan
Harborstone news and information. complete the survey and tell us your that you can find only at the
We’re wondering: Are the inserts in thoughts about paper and electronic UnBank®.
your statements useful? How would methods of communication. What makes our loans different?
you like to hear about the latest news Your answers will help us develop Banks can rarely match our
and benefits of your Harborstone effective, cost-efficient methods of
consistently low rates. You’ll
membership? staying in touch with you. n
never pay a hidden fee, and we
don’t charge application fees or
prepayment penalties. Best yet,
the Unbank® mortgage...better than FHA we offer one low rate whether
you buy new or used.
Plus, we offer programs that
I t’s a great time to buy a home!
Interest rates remain at all-time
lows, home prices are low and stable,
protect our members’ financial
health, such as:
and here at the UnBank®, we have Guaranteed asset Protection.
money to lend. You never have to make a
Take a look at the Harborstone payment on a vehicle that’s
97 mortgage — one of our most been totaled.
popular home loans — which offers a
highly competitive rate and compares Mechanical repair Coverage.
very favorably with FHA loans: To help keep repairs
affordable.
—Mortgage— Harborstone FHA
Down Payment 3
3 %
3.5%
5.3 The UnBank® Car Loan
naoL raC ®knaBnU ehT
New Or Used Car
% %
Upfront Mortgage Insurance Fee None 2.25%
Same Great Rate
enoN 52.2 %
Servicing Local
lacoL National
lanoitaN
want to learn more? Stop by a
More Harborstone 97 details: branch, give us a call, or apply
Maximum loan amount: Loan type: 30-year fixed rate online at harborstone.com
$417,000 Loan use: Primary residence
Maximum loan to value: 97% purchase
Ready to learn more?
Apply online at harborstone.com, or call (253) 983-8615 to talk to one of
our experienced and helpful Mortgage Loan Officers. n
All loan approvals must meet Harborstone Mortgage Services lending policies. All property must be
located in Washington. Harborstone 97 offered only for home purchases. Home must be primary
residence and a single-family dwelling. Harborstone 97 not offered on manufactured homes, second
homes, investment property, condominiums, or custom construction.
(253) 584-2260 1-800-523-3641 harborstone.com
LearN, save, Live weLL
All together Now
Consolidate Your IRAs and Simplify Your Financial Life
Maximize your membership!
ome things are fun to collect, but IRAs Maximize retirement assets. Your goals
S aren’t one of them.
Do you know where your IRAs are,
may have changed since the day you
first opened your IRA accounts. Meeting
Join us for these upcoming
events and special community
how well each one is performing and, most with your Harborstone IRA expert services.
importantly, how close these IRAs have will produce customized investment
brought you toward your retirement goal? recommendations appropriate for your Flu Shots for Members
If you’re like most investors, you have life stage, risk tolerance, and financial Tuesday, October 26,
a variety of accounts you have opened objectives. 9 a.m. to 1 p.m.
through the years. The good news is that
Rein in costs. Investors typically pay Lakewood branch
the hard work is done. Now it’s time to
an annual maintenance charge for Thursday, October 28,
fine-tune your portfolio and consolidate
each IRA, which can mean less money
your IRAs into one account. 9 a.m. to 1 p.m.
working for you. By consolidating your
By consolidating your IRAs, you can Spanaway branch
IRAs, you may avoid these unnecessary
bring some clarity to your financial outlook: Cost: $14 for members;
costs and pay a single fee. FREE to Jet Set members
Simplify your financial life
by consolidating your Call (253) 589-8396 Register:
IRAs into one. You’ll today to make an
harborstone.com/seminars
receive a single appointment with a
or (253) 584-2260.
statement showing Harborstone
your total picture. IRA expert. n Shredding Event
Protect yourself from identity
theft! Bring old paperwork
A reverse mortgage Offers security, for shredding, compliments of
Harborstone and LeMay Mobile
Independence, peace Of mind Shredding. Members can
bring up to three grocery-size
I f you’re a homeowner, 62 years old or
older, and having trouble making ends
meet, consider the benefits of a reverse
or even to prevent foreclosure.
For some members, this secure
option eases financial pressure during
bags of personal documents
along with a can of food for
donation to a local food bank.
mortgage. tough times and allows them to stay
Plus, enter for a chance to win
A reverse mortgage lets you convert in their home — and keep their
a document shredder for your
a portion of your equity into cash. You independence.
keep the title of your loan while using Want to know more? home.
the equity for anything, including daily Call our reverse mortgage partner at saturday, October 9, 10 a.m. to
living expenses, home repairs, travel, 1-888-492-2007. n 1 p.m. South Hill branch
health care expenses, debt repayment — Cost: FREE to members with
canned food donation n
r
eQUItYLINe Offers benefits ots fo
Flu Sh bers
Mem y,
For education Financing a
Tuesd 6, a nd
er 2
education. Rates are
very this time, many South
Epay foryear aroundfine-tune their budgets
Sound families just 4.25% APR, and since EQUITYLINE
allows you to borrow a little or a lot, you
Octob ursda y,
Th
er 28
to their kids’ — or their own — Octob
college tuition and expenses. can use it for tuition or other needs — to ent
ing Ev
Have you considered the benefits of an help pay for textbooks or housing, for Shredd rda y,
EQUITYLINE line of credit? example. Satu r 9
e
If you have equity in your home, With the UnBank®, you have options! Octob
Harborstone’s EQUITYLINE may be an Stop by a branch, call Member Services, or
affordable option to help finance a college apply online at harborstone.com. n
*APR = Annual percentage rate. As of March 1, 2009, the regular APR is 4.25% and is subject to change quarterly but cannot
fall below 4.25% APR or exceed 12.5% APR. All loans and collateral must meet Harborstone lending policies. Property must be
located in Washington. Consult your tax adviser for deductibility. Fee for foreign transactions: 1% of U.S. dollar transaction. Property
insurance is required.
Securities and insurance products are offered by PrimeVest Financial Services Inc., an independent, registered broker/dealer and registered investment adviser. Member FINRA/SIPC. Securities Banking and mortgage services
and insurance products offered by PrimeVest are: Not NCUSIF insured; May go down in value; Not Financial Institution guaranteed; Not a deposit; and Not insured by any federal government provided through Harborstone
agency. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate PrimeVest Advisory Services Agreement and disclosure brochure as Credit Union. Credit union deposits
provided. Consult your legal or tax counsel for advice and information concerning your particular circumstances. Neither PrimeVest nor any of its representatives may give tax or legal advice. are federally insured by NCUA.
(253) 584-2260 1-800-523-3641 harborstone.com
