A High-Yield Harborstone Money Market Account with a $1,500 Bonus

Looking for a place to park your cash that actually pays you? Harborstone Credit Union has a compelling offer on the table right now. Through the Raisin platform, you can snag a solid interest rate on a money market account and potentially earn a hefty cash bonus on top of it. It's a double win, but as with any financial offer, the devil is in the details. Let's break down what this deal really involves and whether it's a good fit for your savings strategy.

The Deal: A Strong Rate Paired with a Bonus

This isn't just about a high annual percentage yield, though 3.85% is certainly attractive in today's market. The real kicker is the cash bonus, which scales up significantly with the amount you deposit. You're essentially getting paid an upfront yield boost for moving a large sum of money.

Crucially, this offer is available to anyone in the U.S., not just Washington state residents, because it's accessed through Raisin. Think of Raisin as a marketplace that connects savers with banks and credit unions. You'll sign up there first, using the specific promo code, and then choose Harborstone's money market as your product.

Timing is Everything for the Bonus

To get that extra cash, you need to act within a specific window. Your account opening and initial deposit must be completed during the promotional period, which ends on February 28, 2026. Mark that date!

Once you open the account, the clock starts ticking on two key timelines. First, you have a two-week window to get your qualifying money into the account. Second, and this is the big commitment, you must leave those funds untouched for a full 90 days. Any early withdrawals during that 90-day period could jeopardize your entire bonus.

Practical Considerations Before You Jump In

This offer is clearly aimed at folks with substantial liquid savings. The bonus tiers start at $10,000, and the really meaningful payouts begin at the $50,000 and $100,000 levels. If you're only depositing a few thousand, the bonus is negligible, and you might find a similarly high rate elsewhere without the platform middleman.

Also, remember this is a money market deposit account, not a traditional savings account. While they're very similar, money markets sometimes have different transaction limits or features. Always read the account disclosures for the fine print on withdrawals.

A major positive is that Harborstone is a credit union, which means it's owned by its members. Your deposits are also insured up to $250,000 by the NCUA, the credit union equivalent of the FDIC, so your money is safe.

• The offer is exclusively for new Raisin customers. If you've used their platform before, you won't qualify.
• You cannot combine this bonus with any other promotional offer from Raisin.
• The bonus will be paid into your Raisin 'Cash Account,' not directly into your Harborstone account. You'll need to transfer it out from there.
• Raisin reserves the right to change or cancel the offer and can claw back the bonus if they suspect fraud or terms violation.

Is This the Right Move for Your Money?

If you have a chunk of cash sitting in a low-yield account and you're confident you won't need it for the next three months, this is a fantastic way to make it work harder. The combined value of the interest and the bonus creates a very competitive total return.

However, if your savings are smaller or you need more flexible access, you might be better served by a straightforward high-yield savings account from an online bank. The bonus structure here adds complexity, and you need to be organized enough to meet all the deadlines and conditions to get paid.

Ultimately, it's a strong offer for the right person. Just go in with your eyes open to the requirements.

Bottom Line

• A high 3.85% APY plus a tiered cash bonus makes this a high-value offer for large deposits.
• Access is nationwide via the Raisin platform, but you must be a new user and use promo code HEADSTART.
• The bonus requires a 90-day commitment of funds, so only use money you won't need in the short term.
• Always verify the latest terms directly on the official Raisin or Harborstone pages before applying.

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