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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.


What are PerkPoints?

Just like your favorite airline keeps track of the miles you fly, we keep track of your money and use that knowledge to award PerkPoints. How do you earn PerkPoints?

  • Get 1 PerkPoint for every $1 in interest you pay on a loan 1
  • Get 1 PerkPoint for every $1 in interest you earn on your savings and CD accounts
  • Get 100 PerkPoints for every year you are a HarborLight Credit Union member 

There’s no limit to the PerkPoints you can earn and no expiration date. Each month we’ll refresh your PerkPoints total automatically.

  • Earn 500 PerkPoints when you take out any new loan of $5,000 or more
  • Earn 100 PerkPoints when you refer a new member who opens an account
  • Earn 500 PerkPoints when you open a checking account with Direct Deposit
  • Watch for special promotions awarding even more bonus PerkPoints

What can you do with PerkPoints?

We know you want even better rates & even lower service charges. So, we created PerkPoints to give you exactly that. Use your PerkPoints to get more from HarborLight and more for your money. You’re in control, so you decide when and how you want to use them. 2

Get a lower loan rate

Use your PerkPoints to “buy down” the rate on a new personal or vehicle loan. Reduce your loan rate by 0.25% with 2500 PerkPoints. 3

Get a higher CD rate

Use your PerkPoints to “buy up” the rate on a Certificate of Deposit. Increase your CD rate by 0.25% with 2500 PerkPoints.

Waive service charges

Once you accumulate 2500 PerkPoints, you can start using them to waive service charges. 4 Add 1 zero to any service price on HarborLight’s Rate and Service Price schedule, and that’s how many points you need to waive it. So, if you want to waive $20, you can buy it off with 200 PerkPoints. Or, use PerkPoints to pay for your next money order. You’re in control, so you decide.

How do you spend PerkPoints?

Redeeming PerkPoints is easy. Just call us or talk with a HarborLight Credit Union staff member. We’ll be happy to help you redeem your PerkPoints.

View your PerkPoints balance online . The first time you log on to PerkPoints, you will need to use a temporary password, which will be the last four digits of your Social Security Number. You’ll then be prompted to create a new password. You’ll see how many PerkPoints you have and a quick history of your PerkPoints transactions.

Not online? Not a problem. Call us or visit our office. Any staff member will give you your current PerkPoints balance.


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Local Discounts

Movie Tickets Type of Ticket Member Price 5
Cinema Carousel, Muskegon Adult $8.75
  Concessions $6.75
Northstar Cinema, Whitehall Adult Gift Card ($9 – $10 Value)
Amusement Park Tickets Type of Ticket Member Price 6
Michigan Adventure Adult 1 Day Pass $34.50
  General Admission $39.00
  Guests Age 2 & Under FREE

PerkPoints do not apply to business accounts at this time.

1 interest paid on an HCU Visa credit card does not earn points at this time.

2 Must be a member in good standing to redeem points.

3 Rate buy down excludes real estate loans, lines of credit, and Visa credit cards.

4 Limit of two (2) Courtesy Pay or NSF (non-sufficient funds) service charges waived per month. Loan late charges are excluded.

5 25¢ has been added to each ticket price to benefit the Children’s Miracle Network. 

6 50¢ has been added to each ticket price to benefit the Children’s Miracle Network.

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