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Safe Harbor Credit Union

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Safe Harbor Credit Union Rates & Review July 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 14, 2026

You can compare Safe Harbor Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.40%, 6-month share certificate rates at 3.47% and 3-month share certificate rates at 0.40%. Savings rates are at 0.25% and money market rates are at 0.02%. Mortgage rates on 30-year fixed loans are around 7.40%. All these rates can be compared to Safe Harbor Credit Union rates. 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 11.49%. Rates were last updated on 07/14/2026.

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.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.49%

Excellent Higher than avg

Safe Harbor Credit Union
Main Office

5511 W US Highway 10
Ludington, MI 49431 2455

https://www.safeharborcu.org

Current Rate Availability

We do not have Safe Harbor Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.49%

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

2026 MBR Health & Safety Badge

Safe Harbor Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/safe-harbor-credit-union-rates-review-61988">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Safe Harbor Credit Union yet. Feel free to create one below.

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Average Rating

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Total Reviews

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Frequently Asked Questions About Safe Harbor Credit Union

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.