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Harborlight Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 9, 2026
Harborlight Credit Union's top rates as of October 9, 2026 are 3.75% APY on its 6 Month CD, 3.75% APY on savings, 2.00% APY on money market accounts, 4.99% on its Tractor and Farm Equipment mortgage, and personal loans from 7.00% APR, according to rates verified by MonitorBankRates. Other Harborlight Credit Union CD rates include 1 Year CD at 3.50%, 18 Month CD at 3.25%, and 2 Year CD at 3.25%. 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 1.90%. Rates last updated and verified on 10/09/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Harborlight Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.90%
ExcellentLower than avg
Harborlight Credit Union Texas Ratio
Harborlight Credit Union's Texas Ratio is 1.90%, which is considered excellent and is lower than the national average of 6.13%.
Harborlight Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.13% to 1.90% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Harborlight Credit Union CD Rates
Product
Rate
APY
Term
View More
6 Month Certificate
3.688%
3.75%
6 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
1 Year Certificate
3.445%
3.50%
1 Year
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
18 Month Certificate
3.203%
3.25%
18 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
2 Year Certificate
3.203%
3.25%
2 Years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
3 Year Certificate
3.203%
3.25%
3 Years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
4 Year Certificate
3.203%
3.25%
4 Years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
5 Year Certificate
3.203%
3.25%
5 Years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Harborlight Credit Union Savings Rates
Product
Rate
APY
View More
Basic Savings
0.05%
0.05%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Club Accounts
0.05%
0.05%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Harborlight Credit Union Money Market Rates
Product
Rate
APY
View More
High Yield Money Market
-
2.00%
DetailsAs high as; High Yield Money Market
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
HY Money Market
1.982%
2.00%
Min Balance$75,000
DetailsBalance: $75,000 - $199,999
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
HY Money Market
1.982%
2.00%
Min Balance$200,000
DetailsBalance: $200,000+
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
HY Money Market
1.835%
1.85%
Min Balance$25,000
DetailsBalance: $25,000 - $74,999
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
HY Money Market
1.736%
1.75%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
HY Money Market
0.05%
0.05%
Min Balance$1
DetailsBalance: $1.00 - $2,499
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
HY Money Market
0.05%
0.05%
Min Balance$0
DetailsBalance: $1.00 - $2,499
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Harborlight Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Tractor and Farm Equipment
-
-
4.99%
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Harborlight Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Closed-End Home Equity (5 Year)
-
-
7.50%
DetailsAs low as; Closed-End Home Equity (5 Year)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Fixed Rate, Closed-End Home Equity
-
-
7.50%
5 Years
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Fixed Rate, Closed-End Home Equity
-
-
8.00%
15 Years
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Harborlight Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto & Motorcycle
-
-
3.99%
Up to 48 months
DetailsAs low as; Model Year: 2027 - 2022
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto & Motorcycle (2021 - 2017)
-
-
4.64%
Up to 48 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.64% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
4.89%
Up to 48 Months
DetailsAdditional APR listed for this product: 5.24%, 9.14%. As low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.89% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Classic Auto/Motorcycle
-
-
4.89%
Up to 48 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.89% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto & Motorcycle
-
-
4.99%
49-60 Months
DetailsAs low as; Model Year: 2027 - 2022
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
4.99%
Up to 36 Months
DetailsAdditional APR listed for this product: 5.99%, 6.24%. As low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
5.39%
49 - 60 Months
DetailsAdditional APR listed for this product: 5.74%, 9.49%. As low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Classic Auto/Motorcycle
-
-
5.39%
49 - 60 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto & Motorcycle (2021 - 2017)
-
-
5.49%
49 - 60 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
5.74%
37 - 48 Months
DetailsAdditional APR listed for this product: 6.74%, 6.99%. As low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto & Motorcycle (2021 - 2017)
-
-
5.94%
61 - 72 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.94% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
6.49%
61 - 84 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto & Motorcycle
-
-
6.99%
73 - 84 Months
DetailsAs low as; Model Year: 2027 - 2022
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
6.99%
49 - 72 Months
DetailsAdditional APR listed for this product: 7.99%, 8.24%. As low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
7.24%
85 - 120 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Classic Auto/Motorcycle
-
-
7.39%
61 - 72 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
7.49%
73 - 84 Months
DetailsAdditional APR listed for this product: 8.49%, 8.74%, 9.14%. As low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto & Motorcycle (2021 - 2017)
-
-
7.74%
73 - 84 Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
7.95%
121 - 180 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.95% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto Loan
-
-
7.99%
85+ Months
DetailsAdditional APR listed for this product: 8.99%, 9.24%, 9.89%. As low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto & Motorcycle (2021 - 2017)
-
-
8.49%
85+ Months
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto & Motorcycle (2016 - 2007) - Up to 48 Months
-
-
9.14%
Up to 48 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.14% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Classic Auto/Motorcycle
-
-
9.14%
73 - 84 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.14% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Auto & Motorcycle (2016 - 2007) - 49 - 60 Months
-
-
9.49%
49-60 months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Classic Auto/Motorcycle
-
-
9.89%
85+ Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.89% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Harborlight Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicles (2021 - 2017) Loan
-
4.64%
Up to 36 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.64% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Recreational Vehicles Loan
-
4.99%
Up to 36 Months
DetailsAs low as; Model Year: 2027 - 2022
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Titled Recreational Vehicles Loan
-
4.99%
DetailsAdditional APR listed for this product: 5.24%. As low as; Titled Recreational Vehicles
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 4.99% ▼ 1.01 pts · high 6.00% / low 4.99%
Oct 9, 20264.99%▼ from 6.00%
Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Boat & Motorhome Loans
-
5.24%
DetailsAs low as; Boat & Motorhome Loans
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Recreational Vehicles (2021 - 2017) Loan
-
5.49%
49 - 60 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Recreational Vehicles Loan
-
5.74%
37 - 48 Months
DetailsAs low as; Model Year: 2027 - 2022
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Recreational Vehicles (2021 - 2017) Loan
-
5.94%
61 - 72 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.94% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2027-2022) Loan
-
5.99%
Up to 36 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles Loan
-
5.99%
DetailsAdditional APR listed for this product: 6.24%. As low as; Non-Titled Recreational Vehicles
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 5.99% ▼ 0.01 pts · high 6.00% / low 5.99%
Oct 9, 20265.99%▼ from 6.00%
Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2021-2017) Loan
-
6.24%
Up to 36 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2027-2022) Loan
-
6.74%
37 - 48 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2021-2017) Loan
-
6.99%
37 - 48 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Recreational Vehicles Loan
-
6.99%
49 - 72 Months
DetailsAs low as; Model Year: 2027 - 2022
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Recreational Vehicles Loan
-
7.49%
73 - 84 Months
DetailsAs low as; Model Year: 2027 - 2022
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Recreational Vehicles (2021 - 2017) Loan
-
7.74%
73 - 84 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2027-2022) Loan
-
7.99%
49 - 72 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Recreational Vehicles Loan
-
7.99%
85+ Months
DetailsAs low as; Model Year: 2027 - 2022
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2021-2017) Loan
-
8.24%
49 - 72 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2027-2022) Loan
-
8.49%
73 - 84 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Recreational Vehicles (2021 - 2017) Loan
-
8.49%
85+ Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2021-2017) Loan
-
8.74%
73 - 84 Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2027-2022) Loan
-
8.99%
85+ Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Non-Titled Recreational Vehicles (2021-2017) Loan
-
9.24%
85+ Months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Harborlight Credit Union Personal Loan Rates
Product
APR
Term
View More
Life Happens Loan (Unsecured)
7.00%
DetailsAs low as; Life Happens Loan (Unsecured)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Signature Loans
9.24%
DetailsAs low as; Signature Loans
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.24% → 9.24% ▼ 1.00 pts · high 10.24% / low 9.24%
Oct 9, 20269.24%▼ from 10.24%
Sep 14, 202610.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Harborlight Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
All Other Closed End Loans
-
-
7.00%
DetailsPublished APR range: 7% - 18.00%.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Skip To Main Content Loan
-
-
7.50%
5 Years
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Skip To Main Content Loan
-
-
8.00%
15 Years
DetailsAs Low As
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Basic Savings
-
-
0.05%
DetailsAs high as; Basic Savings
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Club Accounts
-
-
0.05%
DetailsAs high as; Club Accounts
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
IRA Shares
0.05%
-
0.05%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
IRA Shares
-
-
0.05%
DetailsAs high as; IRA Shares
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Kasasa Cash Checking
4.89%
-
5.00%
Min Balance$0
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $10,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Kasasa Cash Checking
0.05%
-
0.05%
DetailsQualifications not met
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Kasasa Saver Savings
1.98%
-
2.00%
Min Balance$0
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $10,000
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.688%
-
3.75%
6 Months
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.445%
-
3.50%
1 Year
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.203%
-
3.25%
18 Months
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.203%
-
3.25%
2 Years
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.251%
-
3.30%
2 Year Jumbo
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.203%
-
3.25%
3 Years
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.251%
-
3.30%
3 Year Jumbo
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.203%
-
3.25%
4 Years
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.251%
-
3.30%
4 Year Jumbo
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.203%
-
3.25%
5 Years
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Savings Accounts
3.251%
-
3.30%
5 Year Jumbo
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Financial Health History
Harborlight Credit Union’s Texas Ratio stayed near 2.13% in Q3 2023 to 1.90% in Q2 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
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$170M
1.90%
5.0
A+
March 31, 2026
$169M
0.95%
5.0
A+
December 31, 2025
$162M
2.74%
5.0
A+
September 30, 2025
$162M
0.60%
5.0
A+
June 30, 2025
$164M
0.40%
5.0
A+
March 31, 2025
$163M
0.64%
5.0
A+
December 31, 2024
$157M
1.02%
5.0
A+
September 30, 2024
$157M
1.72%
5.0
A+
June 30, 2024
$157M
1.97%
5.0
A+
March 31, 2024
$158M
1.02%
5.0
A+
December 31, 2023
$155M
2.12%
5.0
A+
September 30, 2023
$157M
2.13%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,306,010
Total Uninsured Shares and Deposits > $250K (F+J)
7,306,010
Total Insured Shares and Deposits > $250K (item 17 less item K)
141,951,980
Total Interest Expense (Sum of items 6 8)
855,647
Share Certificates
612
Number of Accounts for Share Drafts
8,117
IRA KEOGH Accounts
340
Number of Accounts for Regular Shares
13,366
All other shares
334
Money Market Shares
1,032
Net Income (unless the amount is already included in Undivided Earnings)
902,889
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)
17,473,494
Total Liabilities
150,892,412
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Harborlight Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Harborlight Credit Union
Frequently Asked Questions About Harborlight Credit Union
How 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
12-Month CD3.50%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD3.25%
Savings3.75%
MMA2.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
