# Harborstone Credit Union CD and share certificate rates

As of October 22, 2026, Harborstone Credit Union's highest tracked CD (share certificate) rate is 3.75% APY on a 12-month CD ($500 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.74% to 3.75% APY.

Canonical page: https://apyledger.com/cd-rates/harborstone-credit-union
Institution: Harborstone Credit Union (NCUA 66399)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:45.000Z (October 22, 2026)
Official source: https://www.harborstone.com/personal/checking-savings/everyday-savings-account/certificates
Coverage: Membership required. Standard, Flexible and Jumbo ($50,000) certificates; standard and Flexible certificates require $500. Flexible certificates allow up to 26 additional deposits a year. IRA certificates are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo 6-Month Certificate | standard | 6 months | $50,000 | 3.03% | Not ZIP-priced | −1.37% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| 6-Month Certificate | standard | 6 months | $500 | 2.93% | Not ZIP-priced | −1.47% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| 12-Month Certificate | standard | 12 months | $500 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| Jumbo 12-Month Certificate | standard | 12 months | $50,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| Flexible 12-Month Certificate | standard | 12 months | $500 | 2.90% | Not ZIP-priced | −1.67% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| Jumbo 18-Month Certificate | standard | 18 months | $50,000 | 2.56% | Not ZIP-priced | −2.16% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| 18-Month Certificate | standard | 18 months | $500 | 2.41% | Not ZIP-priced | −2.31% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| Flexible 18-Month Certificate | standard | 18 months | $500 | 2.05% | Not ZIP-priced | −2.67% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| 24-Month Certificate | standard | 24 months | $500 | 2.36% | Not ZIP-priced | −2.51% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| 30-Month Certificate | standard | 30 months | $500 | 1.99% | Not ZIP-priced | −2.92% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| 36-Month Certificate | standard | 36 months | $500 | 1.89% | Not ZIP-priced | −3.06% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| Flexible 36-Month Certificate | standard | 36 months | $500 | 1.74% | Not ZIP-priced | −3.21% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |
| 48-Month Certificate | standard | 48 months | $500 | 1.79% | Not ZIP-priced | −3.19% | 2026-10-22T16:22:45.000Z | [Snapshot 360](https://apyledger.com/snapshots/360) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.