Bank like you own the place. Because you do.
Harbor Point is a member owned credit union on the Puget Sound. Higher savings rates, almost no fees, and an account you can open from your couch in about ten minutes.
My savings actually earns now, and I have not paid a single fee since I joined. Wish I had switched years ago.
Priya Raman · Member since 2021
Fee-free ATM and shared branch networks you already use
Where the money goes when there are no shareholders
Profit that loops back to you
Every dollar we earn is returned to members as higher deposit rates and lower fees, not paid out to investors on Wall Street.
Open your account in three steps
No branch visit required. Most members are up and running the same day.
Apply online
Answer a few questions and open with a $5 share. It takes about ten minutes.
Fund your account
Move money in from another bank or point your direct deposit our way, whichever is easier.
Start banking
Your card is on the way and the app is ready to go the same day you join.
Compare and pick your fit
Every checking account is free. The difference is how much extra each one gives back.
Your money is protected, always
Insured to $250,000
Every account is federally insured by the NCUA, a US government agency.
Watched day and night
Real-time fraud monitoring flags anything unusual and pings you right away.
You hold the controls
Freeze a lost card, set limits, and turn features on or off from the app.
Loved across the Puget Sound
The high-yield savings rate is genuinely better than my old bank, and no fees are eating into it.
Applied for an auto loan on my phone and had an answer before lunch. The rate was lower too.
I actually reach a real person when I call. That alone made switching worth it.
No monthly fee, early paycheck, and a clean app. It just works, which is all I wanted.
They helped my daughter open her first account and actually taught her how to use it.
Refinanced my car and the rate dropped almost two points. Real money back in my pocket.
Questions members ask first
Who can join Harbor Point?
Anyone who lives, works, worships, or goes to school in the Puget Sound region can join, along with their family members. Membership starts with a one time $5 share deposit.
How long does it take to open an account?
Most members finish the online application in about ten minutes and can start banking the same day, with a debit card on the way.
Are my deposits insured?
Yes. Your deposits are federally insured to at least $250,000 by the NCUA, a US government agency, and backed by the full faith and credit of the United States government.
What is the $5 share deposit?
It is your ownership stake in the credit union. The $5 stays in your savings account and makes you a part owner with a say in how we run, not just a customer.
Do you have branches near me?
We have 12 branches around the Puget Sound, plus access to more than 30,000 fee-free ATMs and thousands of shared branches nationwide through our networks.
Better banking is about ten minutes away
Join the 74,000 Puget Sound neighbors who already own a piece of Harbor Point. All it takes is $5 to open your share.