Update by yaofenjin

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									                                                           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

								
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