Whitehall, MI 49461

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 62066
Date Established 1954
Assets $116.44 million
Loans $66.05 million
Deposits $105.40 million
Capital $10.76 million

Harborlight is an NCUA insured institution located in Whitehall, MI. It was founded in 1954 and has approximately $116.44 millions in assets.

Field of Membership Restrictions

Membership in HarborLight Credit Union is open to the following: (1) those who live, work, attend school or worship in Muskegon, Newaygo, and Oceana Counties in Michigan or in the townships of Chester, Spring Lake, Crockery, Polkton, Wright, Grand Haven, Robinson, Allendale or Tallmadge in Ottawa County, Michigan; (2) those over the age of 55 years old who receives retirement payments in the listed counties and the contiguous counties.

Deposit Rates - October 21, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.80% $2,500 $24,999 Learn MoreShow Less
Money Market
0.90% $25,000 $74,999 Learn MoreShow Less
Fixed IRA
1.65% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.35% $500 - Learn MoreShow Less
12 Mo CD
1.65% $500 - Learn MoreShow Less
18 Mo CD
1.75% $500 - Learn MoreShow Less
1.85% $500 $49,999 Learn MoreShow Less
2.00% $500 $49,999 Learn MoreShow Less
2.10% $500 $49,999 Learn MoreShow Less
2.25% $500 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $1 - Learn MoreShow Less

Loan Rates - October 21, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for HARBORLIGHT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.523% 3.500% 0.25 $732 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
First Internet Bank
NMLS ID: 424182
3.750% 3.750% -0.13 ($158) $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.250 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Harborlight branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Harborlight Locations

Financial Details

Harborlight Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Harborlight. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Harborlight U.S. Average
6.34% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Harborlight had $707,302 in non-current loans and $0 in owned assets. To cover these potential losses it had $10,756,549 in net worth and $404,214 in loans loss reserves. That gives it a Texas Ratio of 6.34%.

Net Worth
Harborlight U.S. Average
9.23% 13.65%

Harborlight FCU has a net worth of 9.23% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Harborlight

Branches and Savings

What is Harborlight?

A federal credit union, registered with the NCUA under certificate #62066.
Learn more about credit unions here.

Is Harborlight FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Harborlight?

Please see Field of Membership information above for information on who is eligible to join.

What are Harborlight's share account and share certificate rates?

Harborlight's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Harborlight?

Harborlight has total capital of $10.76 million. Full information on Harborlight's financial position is located above.

Who owns Harborlight?

Credit Unions are owned by their members.

Where are Harborlight branches located?

See branch locations nearby.

Are Harborlight ATMs Open 24/7?

Do Harborlight ATMs accept cash deposits?

Can Harborlight customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Harborlight have a mobile app?

Does Harborlight have mobile deposit?

Does Harborlight have quick pay?

How can Harborlight transfer money to other banks or credit unions?

Does Harborlight report to credit bureaus?

Does Harborlight use Chexsystems?

Does Harborlight use Equifax?

What is Harborlight's toll free phone number?

What is Harborlight's ACH Routing Number?

What is Harborlight's SWIFT code?

Where can I find Harborlight's wire transfer form?

What is the Harborlight address for deposits?

What Products Does Harborlight Offer

Does Harborlight offer mortgages?

Compare mortgage rates here.

Does Harborlight offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Harborlight offer auto and RV loans?

Compare auto loan rates here.

Does Harborlight offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Harborlight

There are currently no comments for Harborlight. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →