Harborlight Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.75%	Reward Checking	2.02% - National Average
1.00%	Reward Savings	0.91% - National Average
2.75%	5-year CD	3.10% - Synchrony Bank 60 Month CD

View all Harborlight Credit Union rates »

Overview / Commentary

www.harborlightcu.org

231-894-5608

2151 Cogswell Dr
Whitehall, MI 49461

Harborlight Credit Union is headquartered in Whitehall and is the 94^th largest credit union in the state of Michigan. It is also the 1,523^rd largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 28 employees and 10,324 members at 2 locations. Harborlight Credit Union's CD rates are 83% higher than 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.
See current membership details

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Health

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	62066
Year Chartered	1954
Employees	28
Primary Regulator

Profit Margin
Return on Assets - YTD	0.17%
Return on Equity - YTD	1.79%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$112.6MM$108.4MM
Loans	Q2 2018vs Q2 2017	$56.9MM$53.5MM
Deposits	Q2 2018vs Q2 2017	$101.8MM$97.8MM
Equity Capital	Q2 2018vs Q2 2017	$10.5MM$10.5MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$377.00K$408.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$389.00K$443.00K
Real Estate Owned	Q2 2018vs Q2 2017	$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
1.00%^*	-	$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
0.80%^*	$75k^*	-	HY Money Market Account
OTHER TIERS: 0.60% → $2.5k - $25k \| 0.70% → $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
2.85%	$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

Harborlight Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
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 Office	2151 Cogswell Dr	Whitehall, MI 49461
Branch Office	2710 Holton Whitehall Road	Whitehall, MI 49461

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