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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.
 Harborlight 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 27, 2026
Harborlight Credit Union's 6 month CDs of Deposit rates are at 3.75%, 1 Year CDs of Deposit rates are at 3.50%, 2 Year Jumbo* CDs of Deposit rates are at 3.15%, 5 Year Jumbo* CDs of Deposit rates are at 3.15%, IRA CDs 2 Year Jumbo rates are at 3.15%. Harborlight Credit Union's savings rates are at 0.05%. Harborlight Credit Union's money market rates are at 0.05%. 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 0.63%. Rates were last updated on 03/27/2026. 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 Home Equity & HELOC
Harborlight Credit Union Credit Card Rates
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
40
Part-Time Employees
0
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
0.63%
Return on Assets (ROA)
0.8986%
Return on Equity (ROE)
8.1760%
Non-Performing Loans Ratio (NPL)
0.10%
Total Assets
162,059,710
Total Amount of Shares and Deposits
142,504,881
Total Shares and Deposits < 1 Year
133,297,865
Total Shares and Deposits 1 3 Years
6,698,402
Total Shares and Deposits > 3 Years
2,508,614
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,348,680
Total Uninsured Shares and Deposits > $250K (F+J)
7,348,680
Total Insured Shares and Deposits > $250K (item 17 less item K)
135,156,201
Total Interest Expense (Sum of items 6 8)
1,227,036
Share Certificates
597
Number of Accounts for Share Drafts
8,203
IRA KEOGH Accounts
343
Number of Accounts for Regular Shares
13,294
All other shares
351
Money Market Shares
969
Net Income (unless the amount is already included in Undivided Earnings)
1,456,269
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,287,154
Total Liabilities
144,325,281
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Harborlight Credit UnionIs Harborlight Credit Union a safe place to deposit money?Yes, Harborlight Credit Union is considered a safe financial institution. With a Texas Ratio of 0.63184879016638%, 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 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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