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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.

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.

Find Out Why It Pays To Be A Member Of HCU

Member Benefits

Low Interest Auto Loans

Our auto loans start at just 2.99% APR while the average interest rate tends to be between 5%-8% in our area. Working with us has helped our members save hundreds.

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.


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.

Personal Finance Management

There are many important financial decisions that must be made throughout someone’s life, so HarborLight CU Financial Group 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.

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.

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.


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.


Love My Credit Union Sprint Rewards

Take advantage of huge savings on Sprint® for credit union members. Learn more at .

Local Discounts

Tickets Type of Ticket Member Price 5
Michigan's Adventure Age 3 & older $37.99

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. 


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