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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 experience. We take pride in helping our youth build a solid foundation for making wise financial decisions.

High School Student-Run Credit Union (SRCU)

HarborLight is partnered with Montague High School to provide a SRCU on school premises. Volunteer student workers receive hands-on training to serve our student members and faculty. Throughout the school year we provide incentive-based activities that promotes financial education. The Wildcat SRCU is open once a week throughout the school year.

We are working on starting partnerships with other area schools.


Elementary Student-Run Credit Union (SRCU)

Currently we are not operating the elementary SRCUs but we will update you as soon as we are able to return to the schools.

HarborLight Credit Union opened 2 elementary student-run credit unions in the fall of 2016. One at Ealy Elementary in Whitehall called the Ealy CU, and one at R.R. Oehrli Elementary in Montague called the MCat Saves CU. Interested fifth graders fill out applications, go through an interview process, and then selected students work at the SRCU in various positions. This program meets 2X a month throughout the school year. This deposit only program encourages healthy saving habits.


Youth Advisory Board

High School students volunteer monthly to serve on the Youth Advisory Board. They provide a youthful perspective to insure we are serving the needs of our young members. YAB’s also promote our SRCUs, assist with National Credit Union Youth Month, enhance our school connections, and participate in community service with HCU. 

Due to COVID restrictions, YAB did not meet during the 2021-2022 school year. We hope to get this started again in the new school year. 

Benefits of YAB


National Credit Union Youth Month

Credit Unions celebrate youth during the month of April. Every year we dedicate a fun-filled week to helping kids & students succeed through financial education — from savings goals to spending habits. 

Awesome Activities

  • Prizes 
  • Giveaways 
  • Games 
  • Rewards
  • Money Management Info



HarborLight Credit Union donates a total of $3,000 per year in scholarships to graduating seniors:

  • $500 is given to Montague High School to award a student who is planning to further their education in the area of business.
  • $500 is given to Whitehall High School to award a student who is planning to further their education in the area of business.
  • Four $500 scholarships are chosen at random during our Annual Meeting every spring. Applications are available at the Credit Union beginning in January.

Scholarship Application

Financial Literacy Presentations

HarborLight Credit Union offers free presentations to promote financial literacy within our community.  Snacks and dinner are provided, as well as games, giveaways, and prizes! Topics include budgeting, credit, debit cards, checking accounts, ID theft, and buying a car.

Middle School & Elementary Students

  • M&M Budgeting
  • Savvy Savings
  • Needs & Wants
  • Check It Out
  • Deanna’s Lucky Penny
  • Curious George Saves His Pennies
  • Alexander Who Used to be Rich Last Sunday
  • Berenstain Bears Trouble with Money
  • Berenstain Bears Dollars & Sense

Adults & High School Students

  • Living in A World of Credit
  • To Budget or Not to Budget
  • Top 10 Ways to Help Protect Yourself from ID Theft & Scams
  • The Plastic Card Game
  • How Can I Pay for College?
  • I Am Graduating...Now What?
  • Check It Out
  • Rock Your Credit Score

Learn More

Contact Sarah at 231-894-5608 (ext. 263) or email her at [email protected].

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