Harborlight Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.75%	Reward Checking	Kasasa Cash 1.92% - National Average
0.50%	Reward Savings	Kasasa Saver 0.86% - National Average
2.35%	5-year CD	5 Year CD 2.50% - Ally Bank High Yield 5 Year CD

View all Harborlight Credit Union rates »

Overview / Commentary

www.harborlightcu.org

877-894-5557

2151 Cogswell Dr
Whitehall, MI 49461

Harborlight Credit Union is headquartered in Whitehall and is the 98^th largest credit union in the state of Michigan. It is also the 1,551^st largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 28 employees and 10,266 members at 2 locations. Harborlight Credit Union's CD rates are 33% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in HarborLight Credit Union is open to the following: (1) those who live, work, attend school or worship in Muskegon, Newaygo, and Oceana Counties in Michigan or in the townships of Chester, Spring Lake, Crockery, Polkton, Wright, Grand Haven, Robinson, Allendale or Tallmadge in Ottawa County, Michigan; (2) those over the age of 55 years old who receives retirement payments in the listed counties and the contiguous counties.
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Health

A

Data as of Q4 2017

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Health Grade Components

Overall
NCUA #	62066
Year Chartered	1954
Employees	28
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.08%
Return on Equity - YTD	-0.77%
Annual Interest Income	$3.4MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$105.9MM$100.7MM
Loans	Q4 2017vs Q4 2016	$54.7MM$53.6MM
Deposits	Q4 2017vs Q4 2016	$95.4MM$90.0MM
Equity Capital	Q4 2017vs Q4 2016	$10.5MM$10.5MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$443.00K$367.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$512.00K$456.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$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.

Harborlight Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$5k	Kasasa Saver
OTHER TIERS: 0.15% → $5k+
0.30%	-	-	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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$75k^*	-	HY Money Market Account
OTHER TIERS: 0.40% → $2,500 - $25k \| 0.45% → $25k - $75k

Harborlight Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.75%^*	-	$5k	Kasasa Cash
OTHER TIERS: 0.15% → $5k+

Harborlight Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.45%	$50k	-	5 Year Jumbo CD
2.35%	$500	-	5 Year CD
2.20%	$50k	-	4 Year Jumbo CD
2.10%	$500	-	4 Year CD
1.90%	$50k	-	3 Year Jumbo CD
1.80%	$500	-	3 Year CD
1.60%	$50k	-	2 Year Jumbo CD
1.50%	$500	-	2 Year CD
1.30%	$500	-	18 Month CD
1.20%	$500	-	1 Year CD
1.00%	$500	-	6 Month CD
0.20%	$25	-	Save To Win CD

Harborlight Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.45%	$50k	-	5 Year Jumbo IRA CD
2.35%	$500	-	5 Year IRA CD
2.20%	$50k	-	4 Year Jumbo IRA CD
2.10%	$500	-	4 Year IRA CD
1.90%	$50k	-	3 Year Jumbo IRA CD
1.80%	$500	-	3 Year IRA CD
1.60%	$50k	-	2 Year Jumbo IRA CD
1.50%	$500	-	2 Year IRA CD
1.30%	$500	-	18 Month IRA CD
1.20%	$500	-	1 Year IRA CD
1.00%	$500	-	6 Month IRA CD

Locations

Harborlight Credit Union Locations
Branch Office	2151 Cogswell Dr	Whitehall, MI 49461
Branch Office	2710 Holton Whitehall Road	Whitehall, MI 49461

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