Overview / Commentary
231-894-5608
2151 Cogswell Dr
Whitehall, MI 49461

Harborlight Credit Union is headquartered in Whitehall and is the 93rd largest credit union in the state of Michigan. It is also the 1,519th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 28 employees and 10,426 members at 2 locations. Harborlight Credit Union's money market rates are 2X 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

Health Grade Components

Overall
NCUA #62066
Year Chartered1954
Employees28
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.4%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$111.7MM$106.6MM
LoansQ3 2018vs Q3 2017$60.1MM$53.5MM
DepositsQ3 2018vs Q3 2017$100.9MM$96.4MM
Equity CapitalQ3 2018vs Q3 2017$10.4MM$10.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$416.00K$405.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$421.00K$491.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Harborlight Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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+
0.30%--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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$75k*-HY Money Market Account
OTHER TIERS: 0.80% $2.5k - $25k | 0.90% $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
2.85%$50k-5 Year Jumbo CD
2.75%$500-5 Year CD
2.60%$50k-4 Year Jumbo CD
2.50%$500-4 Year CD
2.35%$50k-3 Year Jumbo CD
2.25%$500-3 Year CD
2.10%$50k-2 Year Jumbo CD
2.00%$500-2 Year CD
1.75%$500-18 Month CD
1.65%$500-1 Year CD
1.35%$500-6 Month CD
0.20%$500-Save To Win CD

Harborlight Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.85%$50k-5 Year Jumbo IRA CD
2.75%$500-5 Year IRA CD
2.60%$50k-4 Year Jumbo IRA CD
2.50%$500-4 Year IRA CD
2.35%$50k-3 Year Jumbo IRA CD
2.25%$500-3 Year IRA CD
2.10%$50k-2 Year Jumbo IRA CD
2.00%$500-2 Year IRA CD
1.75%$500-18 Month IRA CD
1.65%$500-1 Year IRA CD
1.35%$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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