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 Harborlight Credit Union Rates & Review September 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.
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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 and Verified: September 22, 2026
Harborlight Credit Union's 6 Month CD of Deposit rates are at 3.75%, 1 Year CD of Deposit rates are at 3.50%, 2 Year CD of Deposit rates are at 3.30%, 3 Year CD of Deposit rates are at 3.30%, 4 Year CD of Deposit rates are at 3.30%. Harborlight Credit Union's savings rates are at 0.05%. Harborlight Credit Union's money market rates are at 0.05%. Harborlight Credit Union's Tractor and Farm Equipment rates are at 4.99%. Harborlight Credit Union's Personal Loan Rates are as low as 7.00%. MonitorBankRates evaluates the financial stability of Harborlight Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.95%. Rates last updated and verified on 09/22/2026. Harborlight 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 Harborlight Credit Union? Share your experience about Harborlight Credit Union by leaving a review below, or read customer reviews before you decide to use Harborlight Credit Union. Harborlight Credit Union
HarborLight CU 2151 Cogswell Dr
https://www.harborlightcu.org Whitehall, MI 49461 
Harborlight Credit Union CD Rates
Harborlight Credit Union Savings Rates
Harborlight Credit Union Money Market Rates
Harborlight Credit Union Mortgage Rates
Harborlight Credit Union Home Equity & HELOC
Harborlight Credit Union Auto Loan Rates
Harborlight Credit Union RV, Boat and Powersport Loan Rates
Harborlight Credit Union Personal Loan Rates
Harborlight Credit Union Other Rates
Financial Health HistoryHarborlight Credit Union’s Texas Ratio fell from 1.84% in Q2 2023 to 0.95% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Harborlight 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 Harborlight 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 Harborlight Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Harborlight Credit Union
Website
https://www.harborlightcu.org
Address
2151 Cogswell Dr,
Whitehall, MI 49461
Phone
231-894-5608
Fax
231-894-5530
President
Lee Andrews
CEO
Justin Bamford
Full-Time Employees
42
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.95%
Return on Assets (ROA)
0.2072%
Return on Equity (ROE)
1.8750%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
169,271,407
Total Amount of Shares and Deposits
148,857,005
Total Shares and Deposits < 1 Year
142,109,737
Total Shares and Deposits 1 3 Years
4,895,089
Total Shares and Deposits > 3 Years
1,852,179
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,816,913
Total Uninsured Shares and Deposits > $250K (F+J)
6,816,913
Total Insured Shares and Deposits > $250K (item 17 less item K)
142,040,092
Total Interest Expense (Sum of items 6 8)
414,760
Share Certificates
603
Number of Accounts for Share Drafts
8,060
IRA KEOGH Accounts
353
Number of Accounts for Regular Shares
13,392
All other shares
339
Money Market Shares
1,019
Net Income (unless the amount is already included in Undivided Earnings)
350,772
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)
14,645,826
Total Liabilities
150,569,751
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Harborlight Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Harborlight Credit Union
Frequently Asked Questions About Harborlight Credit UnionHow many branches does Harborlight Credit Union operate?Harborlight 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 Harborlight Credit Union?Yes, to access services at Harborlight 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, Harborlight 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, Harborlight Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Harborlight Credit Union offer online and mobile banking?Most modern institutions like Harborlight Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.harborlightcu.org. Current Harborlight Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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