Available nationwide, Harborstone Credit Union is a great option if you’re looking for a new interest bearing account. The Harborstone Credit Union Money Market Deposit Account is currently offering 4.00% APY + up to $1,600 bonus powered by Raisin.

Update 12/5/25: You can currently earn up to $1600 bonus through December!

• Start your savings journey this December with promo code GIFT — available for new customers only. Open your first account, fund within 14 days, and earn cash rewards all year long. The more you save, the more you earn up to $1600.
• Deposit $10,000 earns a $15 quarterly bonus (up to $60 bonus).
• Deposit $25,000 earns a $38 quarterly bonus (up to $150 bonus).
• Deposit $50,000 earns a $75 quarterly bonus (up to $300 bonus).
• Deposit $100,000 earns a $150 quarterly bonus (up to $600 bonus).
• Deposit $250,000 earns a $400 quarterly bonus (up to $1600 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: $15 for balances between $10,000 and $24,999, $37.50 for balances between $25,000 and $49,999, $75 for balances between $50,000 and $99,999, $150 for balances between $100,000 and $249,999, and $400 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.

Harborstone Credit Union Money Market Deposit Account

Here is your opportunity to earn a high interest rate on your funds. Open a new account and start earning interest and get started today!

• Rate Offer: 4.00% APY Rate
• Availability: Nationwide
• Credit Inquiry: None
• Credit Funding: None
• Minimum Balance: None
• Maximum Balance: None
• Monthly Fee: None Listed
  
• Early Termination Fee: None

(FDIC Insured)

Account Rates

Harborstone Credit Union Account Benefits

• 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.

Author’s Verdict

Harborstone Credit Union is known for its top-yielding Money Market Deposit account.

With an amazing rate, be sure to take advantage of the services they have to offer.

Let us know about your experience with this bank and comment below.

In addition to the current rate from Harborstone Credit Union, you can also take advantage of a range of great promotions from banks such as HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.

Let us know about your thoughts and experience with this account!

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