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Harbor Pointe Credit Union


Overview / Commentary
hpcu.us
218-722-9242
11 W 2nd St
Duluth, MN 55802-2014

Harbor Pointe Credit Union is headquartered in Duluth and is the 38th largest credit union in the state of Minnesota. It is also the 1,484th largest credit union in the nation. It was established in 1933 and as of December of 2019, it had grown to 25 employees and 8,110 members at 3 locations. Harbor Pointe Credit Union 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
A

Data as of Q4 2019

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Health Grade Components

Overall
NCUA #60207
Year Chartered1933
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD7.93%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$120.4MM$112.2MM
LoansQ4 2019vs Q4 2018$87.1MM$76.8MM
DepositsQ4 2019vs Q4 2018$107.9MM$100.8MM
Equity CapitalQ4 2019vs Q4 2018$12.1MM$11.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$304.00K$229.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$127.00K$145.00K
Real Estate OwnedQ4 2019vs Q4 2018$123.00K$228.00K
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%*-$2kSmart Saver
OTHER TIERS: 0.05% → $2k+
0.40%*$250k*-IRA Savings Account - Superior Rewards
OTHER TIERS: 0.20% → $2.5k - $10k | 0.25% → $10k - $25k | 0.30% → $50k - $50k | 0.35% → $100k - $250k
0.25%$1-Christmas Club Account
0.25%*$250k*-IRA Savings Account
OTHER TIERS: 0.05% → $2.5k - $10k | 0.10% → $10k - $25k | 0.15% → $50k - $50k | 0.20% → $100k - $250k
0.25%*$10k*-Health Savings Account
OTHER TIERS: 0.20% → Up to $10k
0.05%--Primary Savings
0.05%--Dream Savings Account
0.05%--Summer Savings
0.05%--Business Savings

Harbor Pointe Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-Money Market (Merit) Account - Superior Rewards
OTHER TIERS: 0.20% → $2.5k - $10k | 0.25% → $10k - $25k | 0.30% → $50k - $50k | 0.35% → $100k - $250k
0.40%*$250k*-Business Money Market (Merit) Account - Superior Rewards
OTHER TIERS: 0.20% → $2.5k - $10k | 0.25% → $10k - $25k | 0.30% → $50k - $50k | 0.35% → $100k - $250k
0.25%*$250k*-Money Market (Merit) Account
OTHER TIERS: 0.05% → $2.5k - $10k | 0.10% → $10k - $25k | 0.15% → $50k - $50k | 0.20% → $100k - $250k
0.25%*$250k*-Business Money Market (Merit) Account
OTHER TIERS: 0.05% → $2.5k - $10k | 0.10% → $10k - $25k | 0.15% → $50k - $50k | 0.20% → $100k - $250k

Harbor Pointe Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Business Plus Checking

Harbor Pointe Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$250k*-48 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.95% → $1k - $50k | 1.05% → $50k - $100k | 1.16% → $100k - $250k
1.26%*$250k*-Business 48 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.95% → $1k - $50k | 1.05% → $50k - $100k | 1.16% → $100k - $250k
1.21%*$250k*-36 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k | 1.10% → $100k - $250k
1.21%*$250k*-Business 36 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k | 1.10% → $100k - $250k
1.16%*$250k*-24 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.85% → $1k - $50k | 0.95% → $50k - $100k | 1.05% → $100k - $250k
1.16%*$250k*-Business 24 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.85% → $1k - $50k | 0.95% → $50k - $100k | 1.05% → $100k - $250k
1.10%*$250k*-12 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k | 1.00% → $100k - $250k
1.10%*$250k*-Business 12 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k | 1.00% → $100k - $250k
0.75%*$250k*-48 Month Share Certificate
OTHER TIERS: 0.45% → $1k - $50k | 0.55% → $50k - $100k | 0.65% → $100k - $250k
0.75%*$250k*-Business 48 Month Share Certificate
OTHER TIERS: 0.45% → $1k - $50k | 0.55% → $50k - $100k | 0.65% → $100k - $250k
0.70%*$250k*-36 Month Share Certificate
OTHER TIERS: 0.40% → $1k - $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k
0.70%*$250k*-6 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.55% → $1k - $50k | 0.60% → $50k - $100k | 0.65% → $100k - $250k
0.70%*$250k*-Business 6 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.55% → $1k - $50k | 0.60% → $50k - $100k | 0.65% → $100k - $250k
0.70%*$250k*-Business 36 Month Share Certificate
OTHER TIERS: 0.40% → $1k - $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k
0.65%*$250k*-24 Month Share Certificate
OTHER TIERS: 0.35% → $1k - $50k | 0.45% → $50k - $100k | 0.55% → $100k - $250k
0.65%*$250k*-Business 24 Month Share Certificate
OTHER TIERS: 0.35% → $1k - $50k | 0.45% → $50k - $100k | 0.55% → $100k - $250k
0.60%*$250k*-12 Month Share Certificate
OTHER TIERS: 0.30% → $1k - $50k | 0.40% → $50k - $100k | 0.50% → $100k - $250k
0.60%*$250k*-Business 12 Month Share Certificate
OTHER TIERS: 0.30% → $1k - $50k | 0.40% → $50k - $100k | 0.50% → $100k - $250k
0.20%*$250k*-6 Month Share Certificate
OTHER TIERS: 0.05% → $1k - $50k | 0.10% → $50k - $100k | 0.15% → $100k - $250k
0.20%*$250k*-Business 6 Month Share Certificate
OTHER TIERS: 0.05% → $1k - $50k | 0.10% → $50k - $100k | 0.15% → $100k - $250k

Harbor Pointe Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$250k*-48 Month IRA - Superior Rewards
OTHER TIERS: 0.95% → $1k - $50k | 1.05% → $50k - $100k | 1.16% → $100k - $250k
1.21%*$250k*-36 Month IRA - Superior Rewards
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k | 1.10% → $100k - $250k
1.16%*$250k*-24 Month IRA - Superior Rewards
OTHER TIERS: 0.85% → $1k - $50k | 0.95% → $50k - $100k | 1.05% → $100k - $250k
1.10%*$250k*-12 Month IRA - Superior Rewards
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k | 1.00% → $100k - $250k
0.75%*$250k*-48 Month IRA
OTHER TIERS: 0.45% → $1k - $50k | 0.55% → $50k - $100k | 0.65% → $100k - $250k
0.70%*$250k*-36 Month IRA
OTHER TIERS: 0.40% → $1k - $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k
0.70%*$250k*-6 Month IRA - Superior Rewards
OTHER TIERS: 0.55% → $1k - $50k | 0.60% → $50k - $100k | 0.65% → $100k - $250k
0.65%*$250k*-24 Month IRA
OTHER TIERS: 0.35% → $1k - $50k | 0.45% → $50k - $100k | 0.55% → $100k - $250k
0.60%*$250k*-12 Month IRA
OTHER TIERS: 0.30% → $1k - $50k | 0.40% → $50k - $100k | 0.50% → $100k - $250k
0.20%*$250k*-6 Month IRA
OTHER TIERS: 0.05% → $1k - $50k | 0.10% → $50k - $100k | 0.15% → $100k - $250k
Locations


Harbor Pointe Credit Union Locations
Branch Office4433 Trinity RdDuluth, MN 55811
Branch Office11 W 2nd StDuluth, MN 55802-2014
Branch Office1515 Kenwood Ave Ste 200Duluth, MN 55811-2655

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