Harborstone Credit Union is offering residents nationwide a 3.85% APY + up to $1200 bonus when you open a High-yield money market deposit account (MMDA).
Update 6/2/26: You can currently earn up to $1200 bonus through 6/30/26!
- Earn up to $1,200 when you sign up and fund your account using code SUMMER26. Earn even more with an extra cash boost when you set your savings on autopilot.
- Claim your welcome bonus. Enter promo code SUMMER26 at sign-up and deposit a total of $10,000 or more within 14 days to secure your base cash bonus and unlock the optional recurring deposit reward.
- Add an extra boost (optional). To earn an additional reward, schedule two or more recurring deposits within your first 90 days. You are eligible for a maximum additional bonus based on your deposit tier, allowing you to choose your matching recurring bonus tier or any tier below it.
- Deposit $10,000 – $24,999, earns a $50 cash bonus (+$10 bonus boost) = $60 total bonus
- Deposit $25,000 – $49,999 earns a $125 cash bonus (+$25 bonus boost) = $150 total bonus
- Deposit $50,000 – $99,999 earns a $250 cash bonus (+$50 bonus boost) = $300 total bonus
- Deposit $100,000 – $199,999 earns a $500 cash bonus (+$100 bonus boost) = $600 total bonus
- Deposit $200,000 or more earns a $1,000 cash bonus (+$200 bonus boost) = $1,200 total bonus
- Get rewarded. Maintain your balance for 90 days. Once all promotional requirements are met, your total combined cash bonus will be credited to your account within 30 days.
Terms:
- New customers only. Earn a cash bonus (the “Base Bonus”) when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base Bonus of $50 for depositing between $10,000 and $24,999; $125 for depositing between $25,000 and $49,999; $250 for depositing between $50,000 and $99,999; $500 for depositing between $100,000 and $199,999; and $1,000 for depositing $200,000 or more.
- Customers may earn an additional bonus by setting up a recurring deposit within 14 days of their initial deposit (the “Recurring Deposit Bonus”). To qualify, the recurring deposit must be established within 14 days of the initial deposit date and it must execute at least two (2) times within 90-days of the initial deposit. Recurring Deposit Bonus eligibility is determined by your Base Bonus tier:
- Customers depositing between $10,000–$24,999 with aggregate recurring deposits of $100 or greater receive a $10 bonus
- Customers depositing between $25,000–$49,999 with aggregate recurring deposits of $250 or greater receive a $25 bonus
- Customers depositing between $50,000–$99,999 with aggregate recurring deposits of $500 or greater receive a $50 bonus
- Customers depositing between $100,000–$199,999 with aggregate recurring deposits of $1,000 or greater receive a $100 bonus
- Customers depositing between $200,000+ with aggregate recurring deposits of $2,000 or greater receive a $200 bonus
- Customers are eligible to earn the Recurring Deposit Bonus associated with their Base Bonus tier or any lower Recurring Deposit Bonus tier. For example, a customer with an initial deposit of $200,000 (qualifying for the highest Base Bonus tier) whose aggregate recurring deposits total $500, is eligible for the lower tier and will receive the $50 Recurring Deposit Bonus. However, setting up a recurring deposit greater than your Base Bonus tier’s required threshold will not qualify you for a higher Recurring Deposit Bonus.
- The Recurring Deposit Bonus is paid in addition to the Base Bonus. To qualify for the Base Bonus and Recurring Deposit Bonus, your first deposit must be initiated between June 1, 2026, and June 30, 2026, by 11:59 PM ET, and the promo code SUMMER26 must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for the Base Bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. 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.
Harborstone Credit Union Money Market Deposit Account 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 the Harborstone Credit Union Money Market Deposit Account below.
Harborstone Credit Union Money Market Rate
To easily earn Harborstone Credit Union’s competitive rate, start by opening a High-yield Money Market Deposit Account (MMDA).
- Eligible account: High-yield Money Market Deposit Account (MMDA)
- Credit inquiry: Soft Pull
- Where it’s available: Nationwide
- Opening Deposit: $1
- Monthly fee: None
- Early Termination Fee: Not listed
(FDIC Insured)
How to Earn Rate
- Open a new account with a minimum opening deposit of $1.
- Fill out your personal information – Provide your name, address, phone, email and social security number or Tax ID.
- Fund the account/transfer funds – Transfer funds electronically from an internal account here or an external account at another bank.
- Start earning interest from Day 1 of your first deposit with no limit on how much you can earn.
| Balance Requirement | APY Rate |
| $0.01+ | 3.85% APY |
Harborstone Credit Union Money Market Features
- 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.
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Conclusion
If you’re looking to open an interest bearing account, Harborstone Credit Union offers a competitive rate.
Let us know about your experience with this bank and comment below.
In addition to the rate, check out our list of best rates Savings, Money Market, and CD accounts.
If you are interested in expanding your financial future, definitely use our bank bonuses page to find other offers.
Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
