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Harbor Pointe Credit Union

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Harbor Pointe Credit Union Rates & Review August 2026

Q: Is a member application needed to join Harbor Pointe Credit Union?

Yes, to access services at Harbor Pointe Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Harbor Pointe Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Harbor Pointe Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Harbor Pointe Credit Union, and you can see how they compare in the Harbor Pointe Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Harbor Pointe Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.57%. Database rates last updated and verified on 08/29/2026.

Harbor Pointe Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Harbor Pointe Credit Union? Share your experience about Harbor Pointe Credit Union by leaving a review below, or read customer reviews before you decide to use Harbor Pointe Credit Union.

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Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.57%

Excellent Lower than avg

Harbor Pointe Credit Union
Downtown Main Office

11 W 2nd St
Duluth, MN 55802 2014

Current Rate Availability

We're not currently displaying rates for Harbor Pointe Credit Union, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Harbor Pointe Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Harbor Pointe Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Harbor Pointe Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Harbor Pointe Credit Union

Website N/A

Address 11 W 2nd St, Duluth, MN 55802 2014

Phone 218-722-9242

Fax 218-722-4516

President Pauline John

CEO Lisa Herstad

Full-Time Employees 26

Part-Time Employees 3

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.57%

Return on Assets (ROA)

0.9302%

Return on Equity (ROE)

7.0325%

Non-Performing Loans Ratio (NPL)

0.27%

Total Assets

151,171,913

Total Amount of Shares and Deposits

130,774,270

Total Shares and Deposits < 1 Year

130,141,194

Total Shares and Deposits 1 3 Years

515,641

Total Shares and Deposits > 3 Years

117,435

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,389,763

Total Uninsured Shares and Deposits > $250K (F+J)

3,389,763

Total Insured Shares and Deposits > $250K (item 17 less item K)

127,384,507

Total Interest Expense (Sum of items 6 8)

890,461

Share Certificates

790

Number of Accounts for Share Drafts

4,913

IRA KEOGH Accounts

168

Number of Accounts for Regular Shares

9,519

All other shares

Money Market Shares

406

Net Income (unless the amount is already included in Undivided Earnings)

1,406,181

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,426,363

Total Liabilities

131,433,738

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Harbor Pointe Credit Union earned the Verified Strong badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Harbor Pointe Credit Union

How many branches does Harbor Pointe Credit Union operate?

Harbor Pointe Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Harbor Pointe Credit Union?

Yes, to access services at Harbor Pointe Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Harbor Pointe Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Harbor Pointe Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Harbor Pointe Credit Union offer online and mobile banking?

Most modern institutions like Harbor Pointe Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.