Featured Savings Rates
Featured Accounts

Harborlight Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.75%Reward CheckingKasasa Cash
0.50%Reward SavingsKasasa Saver
1.75%5-year CD5 Year CD

Overview / Commentary
877-894-5557
2151 Cogswell Dr
Whitehall, MI 49461

Harborlight Credit Union is headquartered in Whitehall and is the 102nd largest credit union in the state of Michigan. It is also the 1,582nd largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 24 employees and 10,235 members at 1 location. Harborlight Credit Union has a B+ 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.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Harborlight Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #62066
Year Chartered1954
Employees24
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD2.87%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$99.6MM$95.6MM
LoansQ2 2016vs Q2 2015$52.5MM$50.0MM
DepositsQ2 2016vs Q2 2015$88.8MM$84.7MM
Equity CapitalQ2 2016vs Q2 2015$10.4MM$10.0MM
Loan Loss AllowanceQ2 2016vs Q2 2015$372.00K$378.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$546.00K$490.00K
Real Estate OwnedQ2 2016vs Q2 2015$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
0.50%*-$5kKasasa Saver
OTHER TIERS: 0.15% $5k+
0.25%--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
0.25%*$75k*-HY Money Market Account
OTHER TIERS: 0.15% $2,500 - $25k | 0.20% $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
1.85%$50k-5 Year Jumbo CD
1.75%$500-5 Year CD
1.60%$50k-4 Year Jumbo CD
1.50%$500-4 Year CD
1.30%$50k-3 Year Jumbo CD
1.20%$500-3 Year CD
0.90%$50k-2 Year Jumbo CD
0.80%$500-2 Year CD
0.70%$500-18 Month CD
0.55%$500-1 Year CD
0.40%$500-6 Month CD
0.20%$25-12 Month Save To Win CD

Harborlight Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%$50k-5 Year Jumbo IRA CD
1.75%$500-5 Year IRA CD
1.60%$50k-4 Year Jumbo IRA CD
1.50%$500-4 Year IRA CD
1.30%$50k-3 Year Jumbo IRA CD
1.20%$500-3 Year IRA CD
0.90%$50k-2 Year Jumbo IRA CD
0.80%$500-2 Year IRA CD
0.70%$500-18 Month IRA CD
0.55%$500-1 Year IRA CD
0.40%$500-6 Month IRA CD
Locations


Harborlight Credit Union Locations
Branch Office2151 Cogswell DrWhitehall, MI 49461