Harbor Pointe Credit Union

Overview / Commentary

218-722-9242

11 W 2nd St
Duluth, MN 55802-2014

Harbor Pointe Credit Union is headquartered in Duluth and is the 41^st largest credit union in the state of Minnesota. It is also the 1,514^th largest credit union in the nation. It was established in 1933 and as of December of 2018, it had grown to 22 employees and 7,881 members at 3 locations. Harbor Pointe Credit Union's money market rates are 59% 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.
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Health

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	60207
Year Chartered	1933
Employees	22
Primary Regulator

Profit Margin
Return on Assets - YTD	0.91%
Return on Equity - YTD	9.2%
Annual Interest Income	$3.7MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$112.2MM$110.3MM
Loans	Q4 2018vs Q4 2017	$76.8MM$76.5MM
Deposits	Q4 2018vs Q4 2017	$100.8MM$99.9MM
Equity Capital	Q4 2018vs Q4 2017	$11.1MM$10.1MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$229.00K$288.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$145.00K$341.00K
Real Estate Owned	Q4 2018vs Q4 2017	$228.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$2k	Smart Saver
OTHER TIERS: 0.10% → $2k+
0.95%^*	$250k^*	-	IRA Savings Account - Superior Rewards
OTHER TIERS: 0.55% → $2.5k - $10k \| 0.65% → $10k - $25k \| 0.70% → $25k - $50k \| 0.80% → $50k - $100k \| 0.90% → $100k - $250k
0.70%^*	$250k^*	-	IRA Savings Account
OTHER TIERS: 0.30% → $2.5k - $10k \| 0.40% → $10k - $25k \| 0.45% → $25k - $50k \| 0.55% → $50k - $100k \| 0.65% → $100k - $250k
0.60%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.45% → Up to $10k \| 0.55% → $10k - $25k
0.25%	$1	-	Christmas Club Account
0.10%	-	-	Primary Savings
0.05%	-	-	Dream Savings Account
0.05%	-	-	Summer Savings
0.05%	-	-	Business Savings

Harbor Pointe Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%^*	$250k^*	-	Money Market (Merit) Account - Superior Rewards
OTHER TIERS: 0.55% → $2.5k - $10k \| 0.65% → $10k - $25k \| 0.70% → $25k - $50k \| 0.80% → $50k - $100k \| 0.90% → $100k - $250k
0.95%^*	$250k^*	-	Business Money Market (Merit) Account - Superior Rewards
OTHER TIERS: 0.55% → $2.5k - $10k \| 0.65% → $10k - $25k \| 0.70% → $25k - $50k \| 0.80% → $50k - $100k \| 0.90% → $100k - $250k
0.70%^*	$250k^*	-	Money Market (Merit) Account
OTHER TIERS: 0.30% → $2.5k - $10k \| 0.40% → $10k - $25k \| 0.45% → $25k - $50k \| 0.55% → $50k - $100k \| 0.65% → $100k - $250k
0.70%^*	$250k^*	-	Business Money Market (Merit) Account
OTHER TIERS: 0.30% → $2.5k - $10k \| 0.40% → $10k - $25k \| 0.45% → $25k - $50k \| 0.55% → $50k - $100k \| 0.65% → $100k - $250k

Harbor Pointe Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1k	-	Business Plus Checking

Harbor Pointe Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$250k^*	-	48 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.76% → $1k - $10k \| 1.86% → $10k - $25k \| 1.96% → $25k - $50k \| 2.07% → $50k - $100k \| 2.17% → $100k - $250k
2.27%^*	$250k^*	-	Business 48 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.76% → $1k - $10k \| 1.86% → $10k - $25k \| 1.96% → $25k - $50k \| 2.07% → $50k - $100k \| 2.17% → $100k - $250k
2.22%^*	$250k^*	-	36 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.71% → $1k - $10k \| 1.81% → $10k - $25k \| 1.91% → $25k - $50k \| 2.02% → $50k - $100k \| 2.12% → $100k - $250k
2.22%^*	$250k^*	-	Business 36 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.71% → $1k - $10k \| 1.81% → $10k - $25k \| 1.91% → $25k - $50k \| 2.02% → $50k - $100k \| 2.12% → $100k - $250k
2.17%^*	$250k^*	-	24 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.66% → $1k - $10k \| 1.76% → $10k - $25k \| 1.86% → $25k - $50k \| 1.97% → $50k - $100k \| 2.07% → $100k - $250k
2.17%^*	$250k^*	-	Business 24 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.66% → $1k - $10k \| 1.76% → $10k - $25k \| 1.86% → $25k - $50k \| 1.97% → $50k - $100k \| 2.07% → $100k - $250k
2.12%^*	$250k^*	-	12 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.61% → $1k - $10k \| 1.71% → $10k - $25k \| 1.81% → $25k - $50k \| 1.91% → $50k - $100k \| 2.02% → $100k - $250k
2.12%^*	$250k^*	-	Business 12 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.61% → $1k - $10k \| 1.71% → $10k - $25k \| 1.81% → $25k - $50k \| 1.91% → $50k - $100k \| 2.02% → $100k - $250k
1.61%^*	$250k^*	-	6 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.36% → $1k - $10k \| 1.41% → $10k - $25k \| 1.46% → $25k - $50k \| 1.51% → $50k - $100k \| 1.56% → $100k - $250k
1.61%^*	$250k^*	-	Business 6 Month Share Certificate - Superior Rewards
OTHER TIERS: 1.36% → $1k - $10k \| 1.41% → $10k - $25k \| 1.46% → $25k - $50k \| 1.51% → $50k - $100k \| 1.56% → $100k - $250k
1.26%^*	$250k^*	-	48 Month Share Certificate
OTHER TIERS: 0.75% → $1k - $10k \| 0.85% → $10k - $25k \| 0.95% → $25k - $50k \| 1.05% → $50k - $100k \| 1.16% → $100k - $250k
1.26%^*	$250k^*	-	Business 48 Month Share Certificate
OTHER TIERS: 0.75% → $1k - $10k \| 0.85% → $10k - $25k \| 0.95% → $25k - $50k \| 1.05% → $50k - $100k \| 1.16% → $100k - $250k
1.21%^*	$250k^*	-	36 Month Share Certificate
OTHER TIERS: 0.70% → $1k - $10k \| 0.80% → $10k - $25k \| 0.90% → $25k - $50k \| 1.00% → $50k - $100k \| 1.10% → $100k - $250k
1.21%^*	$250k^*	-	Business 36 Month Share Certificate
OTHER TIERS: 0.70% → $1k - $10k \| 0.80% → $10k - $25k \| 0.90% → $25k - $50k \| 1.00% → $50k - $100k \| 1.10% → $100k - $250k
1.16%^*	$250k^*	-	24 Month Share Certificate
OTHER TIERS: 0.65% → $1k - $10k \| 0.75% → $10k - $25k \| 0.85% → $25k - $50k \| 0.95% → $50k - $100k \| 1.05% → $100k - $250k
1.16%^*	$250k^*	-	Business 24 Month Share Certificate
OTHER TIERS: 0.65% → $1k - $10k \| 0.75% → $10k - $25k \| 0.85% → $25k - $50k \| 0.95% → $50k - $100k \| 1.05% → $100k - $250k
1.10%^*	$250k^*	-	12 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
1.10%^*	$250k^*	-	Business 12 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
0.60%^*	$250k^*	-	6 Month Share Certificate
OTHER TIERS: 0.35% → $1k - $10k \| 0.40% → $10k - $25k \| 0.45% → $25k - $50k \| 0.50% → $50k - $100k \| 0.55% → $100k - $250k
0.60%^*	$250k^*	-	Business 6 Month Share Certificate
OTHER TIERS: 0.35% → $1k - $10k \| 0.40% → $10k - $25k \| 0.45% → $25k - $50k \| 0.50% → $50k - $100k \| 0.55% → $100k - $250k

Harbor Pointe Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$250k^*	-	48 Month IRA - Superior Rewards
OTHER TIERS: 1.76% → $1k - $10k \| 1.86% → $10k - $25k \| 1.96% → $25k - $50k \| 2.07% → $50k - $100k \| 2.17% → $100k - $250k
2.22%^*	$250k^*	-	36 Month IRA - Superior Rewards
OTHER TIERS: 1.71% → $1k - $10k \| 1.81% → $10k - $25k \| 1.91% → $25k - $50k \| 2.02% → $50k - $100k \| 2.12% → $100k - $250k
2.17%^*	$250k^*	-	24 Month IRA - Superior Rewards
OTHER TIERS: 1.66% → $1k - $10k \| 1.76% → $10k - $25k \| 1.86% → $25k - $50k \| 1.97% → $50k - $100k \| 2.07% → $100k - $250k
2.12%^*	$250k^*	-	12 Month IRA - Superior Rewards
OTHER TIERS: 1.61% → $1k - $10k \| 1.71% → $10k - $25k \| 1.81% → $25k - $50k \| 1.91% → $50k - $100k \| 2.02% → $100k - $250k
1.61%^*	$250k^*	-	6 Month IRA - Superior Rewards
OTHER TIERS: 1.36% → $1k - $10k \| 1.41% → $10k - $25k \| 1.46% → $25k - $50k \| 1.51% → $50k - $100k \| 1.56% → $100k - $250k
1.26%^*	$250k^*	-	48 Month IRA
OTHER TIERS: 0.75% → $1k - $10k \| 0.85% → $10k - $25k \| 0.95% → $25k - $50k \| 1.05% → $50k - $100k \| 1.16% → $100k - $250k
1.21%^*	$250k^*	-	36 Month IRA
OTHER TIERS: 0.70% → $1k - $10k \| 0.80% → $10k - $25k \| 0.90% → $25k - $50k \| 1.00% → $50k - $100k \| 1.10% → $100k - $250k
1.16%^*	$250k^*	-	24 Month IRA
OTHER TIERS: 0.65% → $1k - $10k \| 0.75% → $10k - $25k \| 0.85% → $25k - $50k \| 0.95% → $50k - $100k \| 1.05% → $100k - $250k
1.10%^*	$250k^*	-	12 Month IRA
OTHER TIERS: 0.60% → $1k - $10k \| 0.70% → $10k - $25k \| 0.80% → $25k - $50k \| 0.90% → $50k - $100k \| 1.00% → $100k - $250k
0.60%^*	$250k^*	-	6 Month IRA
OTHER TIERS: 0.35% → $1k - $10k \| 0.40% → $10k - $25k \| 0.45% → $25k - $50k \| 0.50% → $50k - $100k \| 0.55% → $100k - $250k

Locations

Harbor Pointe Credit Union Locations
Branch Office	4433 Trinity Rd	Duluth, MN 55811
Branch Office	11 W 2nd St	Duluth, MN 55802-2014
Branch Office	1515 Kenwood Ave Ste 200	Duluth, MN 55811-2655

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