|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Harbor Pointe Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 29, 2026
You can compare Harbor Pointe Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.85%, 6-month share certificate rates at 0.75% and 3-month share certificate rates at 0.80%. Savings rates are at 0.05% and money market rates are at 1.76%. Mortgage rates on 30-year fixed loans are around 5.73%. All these rates can be compared to Harbor Pointe Credit Union rates. 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 1.64%. Rates were last updated on 03/29/2026. 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. Harbor Pointe Credit Union
Downtown Main Office 11 W 2nd St
Duluth, MN 55802 2014 
Current Rate AvailabilityWe do not have Harbor Pointe Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates 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
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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.64%
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
34
Money Market Shares
406
Net Income (unless the amount is already included in Undivided Earnings)
1,406,181
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,426,363
Total Liabilities
131,433,738
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Harbor Pointe Credit UnionIs Harbor Pointe Credit Union a safe place to deposit money?Yes, Harbor Pointe Credit Union is considered a safe financial institution. With a Texas Ratio of 1.6368944620239%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Credit Unions
Chattanooga Federal Employees Credit Union
Southern Chautauqua Federal Credit Union
LOC Credit Union
Allvac Savings And Credit Union
All Saints Federal Credit Union
BMI Federal Credit Union
Educational Community Alliance Credit Union
First Atlantic Federal Credit Union
West Metro Schools Credit Union
Harvester Financial Credit Union
High Street Baptist Church Federal Credit Union
General Electric Credit Union
Member Preferred Federal Credit Union
COASTAL
River Community Credit Union
Everest Federal Credit Union
WestEdge Federal Credit Union
SEA WEST COAST GUARD
Reading Mass Town Employees Federal Credit Union
USNE PENITENTIARY EMPLOYEES
Staley Credit Union
|
