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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.
 Safe Harbor 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 28, 2026
Safe Harbor Credit Union's savings rates are at 0.10%. Safe Harbor Credit Union's money market rates are at 0.75%. MonitorBankRates evaluates the financial stability of Safe Harbor Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.17%. Rates were last updated on 03/28/2026. Safe Harbor 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 Safe Harbor Credit Union? Share your experience about Safe Harbor Credit Union by leaving a review below, or read customer reviews before you decide to use Safe Harbor Credit Union. Safe Harbor Credit Union
Main Office 5511 W US Highway 10
https://www.safeharborcu.org Ludington, MI 49431 2455 
Safe Harbor Credit Union Savings Rates
Safe Harbor Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Safe Harbor 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 Safe Harbor 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 Safe Harbor Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Safe Harbor Credit Union
Website
https://www.safeharborcu.org
Address
5511 W US Highway 10,
Ludington, MI 49431 2455
Phone
231-843-2323
Fax
231-845-7654
President
David Kasley
CEO
Adam Johnson
Full-Time Employees
39
Part-Time Employees
0
Branch Locations
1
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.17%
Return on Assets (ROA)
0.7900%
Return on Equity (ROE)
8.5575%
Non-Performing Loans Ratio (NPL)
1.37%
Total Assets
184,827,807
Total Amount of Shares and Deposits
167,320,397
Total Shares and Deposits < 1 Year
157,926,141
Total Shares and Deposits 1 3 Years
8,655,319
Total Shares and Deposits > 3 Years
738,937
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,193,735
Total Uninsured Shares and Deposits > $250K (F+J)
28,193,735
Total Insured Shares and Deposits > $250K (item 17 less item K)
139,126,662
Total Interest Expense (Sum of items 6 8)
2,966,410
Share Certificates
1,411
Number of Accounts for Share Drafts
6,861
IRA KEOGH Accounts
263
Number of Accounts for Regular Shares
12,369
Money Market Shares
210
Net Income (unless the amount is already included in Undivided Earnings)
1,460,122
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,554,402
Total Liabilities
167,921,928
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Safe Harbor Credit UnionIs Safe Harbor Credit Union a safe place to deposit money?Yes, Safe Harbor Credit Union is considered a safe financial institution. With a Texas Ratio of 12.165038625287%, 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 Safe Harbor Credit Union operate?Safe Harbor 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 Safe Harbor Credit Union?Yes, to access services at Safe Harbor 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, Safe Harbor 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, Safe Harbor Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Safe Harbor Credit Union offer online and mobile banking?Most modern institutions like Safe Harbor 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.safeharborcu.org. Current Safe Harbor Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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