2. Harbor Pointe Credit Union

Harbor Pointe Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.95%1-year CD12 Month Share Certificate
2.45% - Synchrony Bank 12 Month CDAdvertisement
0.05%SavingsDream Savings Account
1.80% - American Express National Bank High Yield Savings AccountAdvertisement
1.10%4-year CD48 Month Share Certificate
2.65% - Barclays 48 Month Online CDAdvertisement
View all Harbor Pointe Credit Union rates »

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 41st largest credit union in the state of Minnesota. It is also the 1,532nd largest credit union in the nation. It was established in 1933 and as of June of 2018, it had grown to 23 employees and 7,895 members at 3 locations. Harbor Pointe Credit Union's money market rates are 14% 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
A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #60207
Year Chartered1933
Employees23
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.91%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$111.5MM$108.7MM
LoansQ2 2018vs Q2 2017$75.9MM$74.6MM
DepositsQ2 2018vs Q2 2017$100.6MM$98.8MM
Equity CapitalQ2 2018vs Q2 2017$10.5MM$9.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$311.00K$263.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$228.00K$49.00K
Real Estate OwnedQ2 2018vs Q2 2017$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%*-$2kSmart Saver
OTHER TIERS: 0.05% → $2k+
0.65%*$250k*-IRA Savings Account - Superior Rewards
OTHER TIERS: 0.25% → $2.5k - $10k | 0.35% → $10k - $25k | 0.40% → $25k - $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k
0.50%*$250k*-IRA Savings Account
OTHER TIERS: 0.10% → $2.5k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k | 0.35% → $50k - $100k | 0.45% → $100k - $250k
0.20%*$25k*-Health Savings Account
OTHER TIERS: 0.10% → Up to $10k | 0.15% → $10k - $25k
0.05%--Primary Savings
0.05%$1-Christmas Club Account
0.05%--Dream Savings Account
0.05%--Summer Savings

Harbor Pointe Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$250k*-Money Market (Merit) Account - Superior Rewards
OTHER TIERS: 0.25% → $2.5k - $10k | 0.35% → $10k - $25k | 0.40% → $25k - $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k
0.50%*$250k*-Money Market (Merit) Account
OTHER TIERS: 0.10% → $2.5k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k | 0.35% → $50k - $100k | 0.45% → $100k - $250k

Harbor Pointe Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%*$250k*-48 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.10% → $1k - $10k | 1.21% → $10k - $25k | 1.31% → $25k - $50k | 1.41% → $50k - $100k | 1.51% → $100k - $250k
1.56%*$250k*-36 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.05% → $1k - $10k | 1.15% → $10k - $25k | 1.26% → $25k - $50k | 1.36% → $50k - $100k | 1.46% → $100k - $250k
1.51%*$250k*-24 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.00% → $1k - $10k | 1.10% → $10k - $25k | 1.21% → $25k - $50k | 1.31% → $50k - $100k | 1.41% → $100k - $250k
1.46%*$250k*-12 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.95% → $1k - $10k | 1.05% → $10k - $25k | 1.16% → $25k - $50k | 1.26% → $50k - $100k | 1.36% → $100k - $250k
1.10%*$250k*-48 Month Share Certificate
OTHER TIERS: 0.60% → $1k - $10k | 0.70% → $10k - $25k | 0.80% → $25k - $50k | 0.90% → $50k - $100k | 1.00% → $100k - $250k
1.05%*$250k*-36 Month Share Certificate
OTHER TIERS: 0.55% → $1k - $10k | 0.65% → $10k - $25k | 0.75% → $25k - $50k | 0.85% → $50k - $100k | 0.95% → $100k - $250k
1.00%*$250k*-24 Month Share Certificate
OTHER TIERS: 0.50% → $1k - $10k | 0.60% → $10k - $25k | 0.70% → $25k - $50k | 0.80% → $50k - $100k | 0.90% → $100k - $250k
0.95%*$250k*-12 Month Share Certificate
OTHER TIERS: 0.45% → $1k - $10k | 0.55% → $10k - $25k | 0.65% → $25k - $50k | 0.75% → $50k - $100k | 0.85% → $100k - $250k
0.95%*$250k*-6 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.70% → $1k - $10k | 0.75% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k | 0.90% → $100k - $250k
0.45%*$250k*-6 Month Share Certificate
OTHER TIERS: 0.20% → $1k - $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | 0.40% → $100k - $250k

Harbor Pointe Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%*$250k*-48 Month IRA - Superior Rewards
OTHER TIERS: 1.10% → $1k - $10k | 1.21% → $10k - $25k | 1.31% → $25k - $50k | 1.41% → $50k - $100k | 1.51% → $100k - $250k
1.56%*$250k*-36 Month IRA - Superior Rewards
OTHER TIERS: 1.05% → $1k - $10k | 1.15% → $10k - $25k | 1.26% → $25k - $50k | 1.36% → $50k - $100k | 1.46% → $100k - $250k
1.51%*$250k*-24 Month IRA - Superior Rewards
OTHER TIERS: 1.00% → $1k - $10k | 1.10% → $10k - $25k | 1.21% → $25k - $50k | 1.31% → $50k - $100k | 1.41% → $100k - $250k
1.46%*$250k*-12 Month IRA - Superior Rewards
OTHER TIERS: 0.95% → $1k - $10k | 1.05% → $10k - $25k | 1.16% → $25k - $50k | 1.26% → $50k - $100k | 1.36% → $100k - $250k
1.10%*$250k*-48 Month IRA
OTHER TIERS: 0.60% → $1k - $10k | 0.70% → $10k - $25k | 0.80% → $25k - $50k | 0.90% → $50k - $100k | 1.00% → $100k - $250k
1.05%*$250k*-36 Month IRA
OTHER TIERS: 0.55% → $1k - $10k | 0.65% → $10k - $25k | 0.75% → $25k - $50k | 0.85% → $50k - $100k | 0.95% → $100k - $250k
1.00%*$250k*-24 Month IRA
OTHER TIERS: 0.50% → $1k - $10k | 0.60% → $10k - $25k | 0.70% → $25k - $50k | 0.80% → $50k - $100k | 0.90% → $100k - $250k
0.95%*$250k*-12 Month IRA
OTHER TIERS: 0.45% → $1k - $10k | 0.55% → $10k - $25k | 0.65% → $25k - $50k | 0.75% → $50k - $100k | 0.85% → $100k - $250k
0.95%*$250k*-6 Month IRA - Superior Rewards
OTHER TIERS: 0.70% → $1k - $10k | 0.75% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k | 0.90% → $100k - $250k
0.45%*$250k*-6 Month IRA
OTHER TIERS: 0.20% → $1k - $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | 0.40% → $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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