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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 40th largest credit union in the state of Minnesota. It is also the 1,510th largest credit union in the nation. It was established in 1933 and as of December of 2017, it had grown to 21 employees and 7,913 members at 3 locations. Harbor Pointe Credit Union's CD rates are 17% 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
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD6.86%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$110.3MM$106.1MM
LoansQ4 2017vs Q4 2016$76.5MM$69.1MM
DepositsQ4 2017vs Q4 2016$99.9MM$96.6MM
Equity CapitalQ4 2017vs Q4 2016$10.1MM$9.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$288.00K$321.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$341.00K$215.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$240.00K
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+
0.35%*$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
0.20%*$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 - Superior Rewards
OTHER TIERS: 1.00% $1k - $25k | 1.10% $25k - $75k
1.15%*$75k*-36 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.95% $1k - $25k | 1.05% $25k - $75k
1.10%*$75k*-24 Month Share Certificate - Superior Rewards
OTHER TIERS: 0.90% $1k - $25k | 1.00% $25k - $75k
1.05%*$75k*-12 Month Share Certificate - Superior Rewards
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 - Superior Rewards
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 - Superior Rewards
OTHER TIERS: 1.00% $1k - $25k | 1.10% $25k - $75k
1.15%*$75k*-36 Month IRA - Superior Rewards
OTHER TIERS: 0.95% $1k - $25k | 1.05% $25k - $75k
1.10%*$75k*-24 Month IRA - Superior Rewards
OTHER TIERS: 0.90% $1k - $25k | 1.00% $25k - $75k
1.05%*$75k*-12 Month IRA - Superior Rewards
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 - Superior Rewards
OTHER TIERS: 0.60% $1k - $25k | 0.65% $25k - $75k
0.65%*$75k*-36 Month IRA
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
0.55%*$75k*-12 Month IRA
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
Locations


Harbor Pointe Credit Union Locations
Branch Office4433 Trinity RdDuluth, MN 55811
Branch Office11 W 2nd StDuluth, MN 55802-2014
Branch Office1402 W Arrowhead Rd Ste 200Duluth, MN 55811-2228

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