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Overview / Commentary
800-378-3828
11 W 2nd St
Duluth, MN 55802-2014

Harbor Pointe Credit Union is headquartered in Duluth and is the 39th largest credit union in the state of Minnesota. It is also the 1,524th largest credit union in the nation. It was established in 1933 and as of September of 2017, it had grown to 23 employees and 7,973 members at 3 locations. Harbor Pointe Credit Union's savings rates are 92% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Harbor Pointe Credit Union is open to all of the residents within the counties of South St.Louis, Carlton, and Douglas, as well as Two Harbors.Membership eligibility also extends to include the family members of current credit union members.
See current membership details

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Health

Health Grade Components

Overall
NCUA #60207
Year Chartered1933
Employees23
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD6.84%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$109.1MM$105.8MM
LoansQ3 2017vs Q3 2016$75.5MM$67.5MM
DepositsQ3 2017vs Q3 2016$99.0MM$96.4MM
Equity CapitalQ3 2017vs Q3 2016$9.9MM$9.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$271.00K$381.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$137.00K$543.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Harbor Pointe Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$2kGold Star Savings
OTHER TIERS: 0.05% $2k+
0.35%*$50k*-IRA Savings Account
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k
0.35%*$50k*-CESA Account
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k
0.20%*$25k*-Health Savings Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.05%--Primary Savings
0.05%--Christmas Club Account
0.05%--Dream Savings Account
0.05%--Summer Savings

Harbor Pointe Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$50k*-Money Market (Merit) Account
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k

Harbor Pointe Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*$75k*-48 Month Share Certificate - Honor Roll
OTHER TIERS: 1.00% $1k - $25k | 1.10% $25k - $75k
1.15%*$75k*-36 Month Share Certificate - Honor Roll
OTHER TIERS: 0.95% $1k - $25k | 1.05% $25k - $75k
1.10%*$75k*-24 Month Share Certificate - Honor Roll
OTHER TIERS: 0.90% $1k - $25k | 1.00% $25k - $75k
1.05%*$75k*-12 Month Share Certificate - Honor Roll
OTHER TIERS: 0.85% $1k - $25k | 0.95% $25k - $75k
0.70%*$75k*-48 Month Share Certificate
OTHER TIERS: 0.50% $1k - $25k | 0.60% $25k - $75k
0.70%*$75k*-6 Month Share Certificate - Honor Roll
OTHER TIERS: 0.60% $1k - $25k | 0.65% $25k - $75k
0.65%*$75k*-36 Month Share Certificate
OTHER TIERS: 0.45% $1k - $25k | 0.55% $25k - $75k
0.60%*$75k*-24 Month Share Certificate
OTHER TIERS: 0.40% $1k - $25k | 0.50% $25k - $75k
0.55%*$75k*-12 Month Share Certificate
OTHER TIERS: 0.35% $1k - $25k | 0.45% $25k - $75k
0.20%*$75k*-6 Month Share Certificate
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $75k

Harbor Pointe Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*$75k*-48 Month IRA - Honor Roll
OTHER TIERS: 1.00% $1k - $25k | 1.10% $25k - $75k
1.20%*$75k*-48 Month CESA - Honor Roll
OTHER TIERS: 1.00% $1k - $25k | 1.10% $25k - $75k
1.15%*$75k*-36 Month IRA - Honor Roll
OTHER TIERS: 0.95% $1k - $25k | 1.05% $25k - $75k
1.15%*$75k*-36 Month CESA - Honor Roll
OTHER TIERS: 0.95% $1k - $25k | 1.05% $25k - $75k
1.10%*$75k*-24 Month IRA - Honor Roll
OTHER TIERS: 0.90% $1k - $25k | 1.00% $25k - $75k
1.10%*$75k*-24 Month CESA - Honor Roll
OTHER TIERS: 0.90% $1k - $25k | 1.00% $25k - $75k
1.05%*$75k*-12 Month IRA - Honor Roll
OTHER TIERS: 0.85% $1k - $25k | 0.95% $25k - $75k
1.05%*$75k*-12 Month CESA - Honor Roll
OTHER TIERS: 0.85% $1k - $25k | 0.95% $25k - $75k
0.70%*$75k*-48 Month IRA
OTHER TIERS: 0.50% $1k - $25k | 0.60% $25k - $75k
0.70%*$75k*-6 Month IRA - Honor Roll
OTHER TIERS: 0.60% $1k - $25k | 0.65% $25k - $75k
0.70%*$75k*-6 Month CESA - Honor Roll
OTHER TIERS: 0.60% $1k - $25k | 0.65% $25k - $75k
0.70%*$75k*-48 Month CESA
OTHER TIERS: 0.50% $1k - $25k | 0.60% $25k - $75k
0.65%*$75k*-36 Month IRA
OTHER TIERS: 0.45% $1k - $25k | 0.55% $25k - $75k
0.65%*$75k*-36 Month CESA
OTHER TIERS: 0.45% $1k - $25k | 0.55% $25k - $75k
0.60%*$75k*-24 Month IRA
OTHER TIERS: 0.40% $1k - $25k | 0.50% $25k - $75k
0.60%*$75k*-24 Month CESA
OTHER TIERS: 0.40% $1k - $25k | 0.50% $25k - $75k
0.55%*$75k*-12 Month IRA
OTHER TIERS: 0.35% $1k - $25k | 0.45% $25k - $75k
0.55%*$75k*-12 Month CESA
OTHER TIERS: 0.35% $1k - $25k | 0.45% $25k - $75k
0.20%*$75k*-6 Month IRA
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $75k
0.20%*$75k*-6 Month CESA
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $75k
Locations


Harbor Pointe Credit Union Locations
Branch Office4433 Trinity RdDuluth, MN 55811
Branch Office11 W 2nd StDuluth, MN 55802-2014
Branch Office1358 W Arrowhead RdDuluth, MN 55811