Skip to content

Find Out Why It Pays To Be A Member Of HCU

At HarborLight Credit Union, we provide more than the basic checking, savings, and loans. We make sure that every product and service a member receives from us will ensure that they are on the right track to financial wellness.

Join Today

When you see the HarborLight Credit Union lighthouse, you know you’ve found a safe place to meet your financial needs. But the financial security of individuals doesn’t thrive in a bubble— it needs a sound and stable community working together for the good of all.  We’re honored to help improve the financial well-being of our members, and look forward to continuing to provide tools, information and resources for a successful future.


Member Benefits Brochure



Mobile Wallet

We are now excited to offer Mobile Wallet. You can add your HCU debit and credit cards to your mobile wallet. Mobile Wallet is shown to help reduce fraud, saves time while shopping online and in brick and mortar stores. The best part, you still earn rewards with each transaction! You can use it anywhere mobile pay is available.

Online & Mobile Banking

Why should you have to wait for the lobbies to be open to make a deposit or transfer money? At HarborLight Credit Union, members can bank when it is convenient for them. With online banking, members can pay bills, make transfers, and sign-up for estatements. With our mobile app, members can make payments and transfers along with depositing checks with just a few clicks.

Low Interest Auto Loans

Our auto loans start at just 4.49% APR while the average interest rate tends to be between 6%-8% in our area. Working with us has helped our members save hundreds.


Our members save money with our $0 service fee for transferring balances from other higher interest cards to our Visa. This member benefit has proven to be a powerful and effective tool for consolidating debt and paying off those high interest store cards.

Life Happens Loan

Life has a way of throwing curve balls when we least expect it to, that is why we offer a Life Happens Loan. Whether the spring melt reminds you that your roof is old and needs replacing, or you experience a major life changing moment, we are here with a low interest loan to help you get back on track.

Home Mortgages

We offer competitive rates for home purchase, refinance, or construction. Our loan advisors work with our members to find the right terms customized for their budgets along with free pre-approval for extra confidence when it comes to securing financing.

Free Kasasa Checking

Our members enjoy having a free checking account. Yes, free! Through our partnership with Kasasa, HCU members don’t have to pay a maintenance fee for us to host their accounts. Members can also earn rewards for using their debit cards including returns on dividends, cash back or purchase reward from tunes, amazon or google play Also, with Kasasa Checking members have many choices for free ATM transactions.  If an out of network ATM is used, this fee could be refunded.

Personal Finance Management

There are many important financial decisions that must be made throughout someone’s life, so HarborLight Retirement and Investment Services helps members with all their financial needs. Whether it’s a newly married young couple, parents planning for a child’s education, a worker planning for retirement or someone facing an unexpected job change, our members can rest assured that we can help.

Youth Financial Education

HarborLight Credit Union is dedicated to preparing youth to be financially responsible. We offer a variety of engaging programs specifically for the youth in our community. These programs are designed to be fun, exciting, and educational while providing hands on experiences. We take pride in helping our youth build a solid foundation for making wise financial decisions.

Club Accounts

With no minimum deposit amount, our members can build their vacation and holiday budgets ahead of time. We’ll help with finances, so they can focus on the fun stuff.


Our PerkPoints program is free to all members and it’s automatic. There’s no need to sign up and no hidden agenda. As a cooperative, HarborLight CU works most efficiently when members make the maximum use of our services. PerkPoints is our way of thanking you for choosing HarborLight CU and encouraging you to do even more business with us.

Love My Credit Union Rewards

Take advantage of huge savings exclusively for credit union members. 


Lighting the way to financial well-being

News & Events

Promotions, special events, and useful information — it's all here.

Member Benefits

This is how we pay it forward — awesome benefits that make banking better.

Become a Member

Live, work, or worship in our community? You're all set to join today.