2. Harborlight Credit Union

Harborlight Credit Union


Overview / Commentary
www.harborlightcu.org
231-894-5608
2151 Cogswell Dr
Whitehall, MI 49461

Harborlight Credit Union is headquartered in Whitehall and is the 95th largest credit union in the state of Michigan. It is also the 1,536th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 29 employees and 10,461 members at 2 locations. Harborlight Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

HarborLight Credit Union membership is open to (1) anyone who lives, works, attends school or worships in Muskegon, Newaygo or Oceana counties, or the following townships within Ottawa County: Spring Lake, Chester, Crockery, Wright, Polkton, Grand Haven, Allendale, Robinson, or Tallmadge. (2) Immediate family of current credit union members. (3) Organizations comprised of the same group which makes up the membership mentioned above. (4) Anyone above the age of 55, receiving an annuity, pension or social security and resides in or is affiliated with a retirement organization, as defined in the credit union's membership eligibility.
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Health
A

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #62066
Year Chartered1954
Employees29
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.67%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$110.1MM$105.9MM
LoansQ4 2018vs Q4 2017$61.0MM$54.7MM
DepositsQ4 2018vs Q4 2017$99.2MM$95.4MM
Equity CapitalQ4 2018vs Q4 2017$10.5MM$10.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$467.00K$443.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$494.00K$512.00K
Real Estate OwnedQ4 2018vs Q4 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.

Harborlight Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$5kKasasa Saver
OTHER TIERS: 0.15% → $5k+
0.50%--IRA Shares Account
0.10%$50-Regular Shares Savings Account
0.10%--Vacation Club Account
0.10%--Christmas Club Account

Harborlight Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$75k*-HY Money Market Account
OTHER TIERS: 0.95% → $2.5k - $25k | 1.05% → $25k - $75k

Harborlight Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*-$5kKasasa Cash
OTHER TIERS: 0.15% → $5k+

Harborlight Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$50k-5 Year Jumbo CD
2.65%$500-5 Year CD
2.55%$50k-4 Year Jumbo CD
2.45%$500-4 Year CD
2.35%$50k-3 Year Jumbo CD
2.25%$500-3 Year CD
2.15%$50k-2 Year Jumbo CD
2.05%$500-2 Year CD
1.95%$500-18 Month CD
1.85%$500-1 Year CD
1.55%$500-6 Month CD
0.20%$500-Save To Win CD

Harborlight Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$50k-5 Year Jumbo IRA CD
2.65%$500-5 Year IRA CD
2.55%$50k-4 Year Jumbo IRA CD
2.45%$500-4 Year IRA CD
2.35%$50k-3 Year Jumbo IRA CD
2.25%$500-3 Year IRA CD
2.15%$50k-2 Year Jumbo IRA CD
2.05%$500-2 Year IRA CD
1.95%$500-18 Month IRA CD
1.85%$500-1 Year IRA CD
1.55%$500-6 Month IRA CD
Locations


Harborlight Credit Union Locations
Branch Office2151 Cogswell DrWhitehall, MI 49461
Branch Office2710 Holton Whitehall RoadWhitehall, MI 49461

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