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October 16, 2021

October 16, 2021

 

October 11, 2021

HarborLight Credit Union will be closed on Monday, October 11 for an all day staff training so we can continue to serve our members in the best possible way. We will be open on Tuesday, October 12 at our normal time.

 

September 27, 2021

Our Shared Branching is currently down. We have the appropriate teams working on trying to remedy the situation as quickly as possible. So sorry for the inconvenience. Stay tuned for updates.

 

September 9, 2021

 

 

 

August 26, 2021

 

 

 

August 17, 2021

Dear Valued Member,
 
We will be turning off our Mastercard debit cards on August 17th. We ask that if you haven't activated and used your new Visa debit card, that you do so before August 17th. This will help ease any stress or issues ahead of time.
 
If you have not received your Visa debit card, give us a call as soon as possible so we can get one mailed out to you: 231-894-5608

 

August 19,

Our branch office located on Holton Whitehall Rd. will close at 5 pm on Thursday, August 19 for staff training.
 

 

July 13, 2021

Making A Visa Payment From HarborLight Account

The easiest way to make a payment to your Visa is to use the quick transfer or transfer option to make immediate payments on your credit cards in online banking. Do not click on the card number and switch to the credit card online banking (eCS) option. It will create an ACH payment and is not an immediate payment from your checking or savings account at the CU. 

 

Here is a sneak-peak of our coming Visa Platform

Homescreen

 

Payments Screen

 

 

Statements Screen

July 7, 2021

Dear Valued Visa Credit Cardholder,

HarborLight Credit Union strives to provide efficient products and services for our members.  To achieve this, we must make changes.  These changes will take place on July 12, 2021. 

What is changing?
We are updating our credit card platform – this change is occurring on July 12th, 2021.

As of July 8th, we will not be able to post payments to your credit card until the 13th.  We are aware that payments are due on either the 12th or 14th and will be backdating the payments to the date it was received, on the 13th.  Please know that if a payment is made at either office between the 8th and 12th you will receive a receipt for the payment. We will not have the ability to make any changes to your card account between July 8th and 12th*. If the card is lost or stolen, please report it as normal to the 844-700-1128 customer service number.

*If you are going to be traveling during this time, please let us know before the July 7th.

What does this mean for our Visa Credit Cardholders?

  • Your cards will be assigned a new account number.  When you look at your current statement, you will see an account number that may or may not match one of the cards on your account.  This account number will change but will NOT affect your Visa Credit Card.
  • Your account statement will have a slight difference in appearance.  The new statements will provide a little more information about your Visa Credit Card on them.
  • Online banking for your Visa Credit Card will be changing.  Currently, when you view your card information and click on your card number, it takes you to another site, Online Access.  After July 15th, it will look different. 

 

Stay tuned to our website to see an example of just what the change will look like in your online banking!

 

  • The credit card information will be unavailable in online banking from July 7th – July 15th as the platform undergoes the update.   
  • The phone system for customer service, 844-700-1128, will be upgraded to a new interactive voice response (IVR) system.  There are also some added security measures to help fight fraud with this new system.  The IVR will have a customer service representative available when the automated system is unable to complete your request.

Not Changing

  • You will NOT be issued a new card.
  • Your card will continue to work through the update.
  • Your uChoose rewards will not be affected.
  • CardValet will provide you the same protection as before.
  • Your payment due date is not changing.
  • Your card is still protected the same if you chose debt protection coverages.

 

 

June 10, 2021

Your HarborLight MasterCard debit card is becoming a Visa debit card. Enjoy the benefits of Visa!

To provide you with the best financial tools available, we are transitioning your HarborLight MasterCard debit card to Visa.

Here’s what that means for you:

What’s happening?

  • You will be receiving a new card with the Visa logo. This will replace your current card.
  • There’s no cost associated with this change.

What will change?

  • Your card number, expiration date, PIN.
  • You may need to update this information with any merchants, billers or other service providers that have it saved.
  • You now get additional benefits including Visa’s Zero Liability Policy*, Real-Time Fraud Protection and more.

What will stay the same?

  • Your basic account terms.
  • Our commitment to your security and satisfaction.

So be on the lookout for your new Visa debit card this month. The cards will be mailed out after the 10th of June.

 

* Visa’s Zero Liability policy does not apply to unauthorized transactions on prepaid cards for which the issuing financial institution has not collected the cardholder’s personal information prior to the transaction or to certain commercial card transactions. Cardholders must use care in protecting their card and notify their financial institution immediately of any unauthorized use. Cardholders should contact their issuing financial institution for additional details.

 

FAQs

Q: Why am I receiving a new card?

A: We’re transitioning from MasterCard debit to Visa debit, which provides added card features and benefits. We hope you will enjoy the enhanced services of your new Visa card.

Q: Will my account terms change?

A: No. Your basic account terms all remain the same.

Q: Can I still access my account at the ATM?

A: Yes. You will be able to use your Visa debit card at the ATM. However, you will need to choose the PIN when you activate the card.

Q: What will happen with automatic/recurring bill payments on my card?

A: Once you receive your new card, you may need to update your new account

number, expiration date and security code to merchants who

regularly bill this account. This may include wireless, cable and internet

providers, insurance companies, highway toll accounts, online merchants

and more.

 

June 7, 2021

The ATMs at our Holton-Whitehall Rd. location are up and running!

 

June 3, 2021

The ATMs at our Holton-Whitehall Rd. location is deposit only. We are working on resolving this and will let you all know when it is working normally. We apologize for any inconvienience this causes.

 

May 27, 2021

At HarborLight Credit Union, we are all about being able to offer more to our members. The switch to Visa allows us to plan for some exciting enhancements coming soon, including but not limited to: Apple Pay, Google Pay and Samsung Pay, instant issue of cards, and an improved rewards program.
 
Visa also offers a tool (Visa Account Updater or VAU) to help with account number changes. VAU will automatically change card numbers when they change on recurring payments. VAU will work for all merchants that participate. VAU is something that the credit union already participates in and there isn't anything required of the member to make it happen. 
 
 
 
The account terms and policies regarding debit cards will stay the same. If your address has recently changed, please let us know so we can make sure your debit card gets mailed to the correct address.
 
As the transition gets closer, we’ll send you additional details. Stay tuned for more details and updates to come!

 

 

 

 

May 27, 2021

 

 

May 7, 2021

HarborLight Credit Union is hosting a Spring Succulent Sale! Come for the gorgeous, and rare, succulents and air plants. A portion of the proceeds will go to Pound Buddies located in Muskegon. We will have games, prizes and giveaways. Also, for Friday, May 7 only, we will have a special loan offer on all consumer loans (Signature Loans, Life Happens Loans, Auto Loans, Motorcycle Loans, ATV Loans, RV Loans and Boat Loans). You will receive 0.25% APR off of your qualifying interest rate! Stop by and see us!

 

 

April 20, 2021

 

 

Apply Today

April 20, 2021

 

 

April 19, 2021

 

April 5, 2021

 

 

Apply Today

 

March 31, 2021

Join us this weekend for a free Easter Egg Hunt!

 

 

March 4, 2021

We are happy to announce that our branch location on Holton-Whitehall Rd. is now open to serve our members. We know it wasn’t always convenient for our members during the last few months to visit our Cogswell Dr. location, but the health and safety of our members and staff is always a priority. We want to thank you for your patience and understanding during this time.

Prior to reopening the branch, our team implemented appropriate COVID-19 related protocols, including, but not limited to ensuring appropriate social distancing and determining max capacity for the building. The max capacity at this location is 11 members, so we may have to ask people to wait outside until another member leaves.

If you have any questions, feel free to reach out to us at 231-894-5608.

 

Sincerely,

HarborLight Credit Union

February 23, 2021

Online & mobile banking and debit cards should be working per usual now. Thank you so much for your patience as we experienced downtime last week.

If you experience any issues or if you have any questions or concerns, please give us a call at 231-894-5608.

Thank you,

HarborLight Credit Union

 

February 16, 2021

We are happy to announce that our branch location on Holton-Whitehall Rd. is now open to serve our members. We know it wasn’t always convenient for our members during the last few months to visit our Cogswell Dr. location, but the health and safety of our members and staff is always a priority. We want to thank you for your patience and understanding during this time.

Prior to reopening the branch, our team implemented appropriate COVID-19 related protocols, including, but not limited to ensuring appropriate social distancing and determining max capacity for the building. The max capacity at this location is 11 members, so we may have to ask people to wait outside until another member leaves.

If you have any questions, feel free to reach out to us at 231-894-5608.

 

Sincerely,

HarborLight Credit Union

 

 

February 4, 2021

We were notified by our credit services vendor that some cardholder statements displayed duplicate transactions due to a statement printing error for billing cycles that ended between January 13 and January 21, 2021. Cardholder account balances were not impacted by this duplicate display error.

We apologize for the inconvenience and any confusion this has caused.

Also, our ATMs at the Holton-Whitehall Rd. office are now up and running. Thank you for your patience while we worked to resolve the situation.

 

 

January 22, 2021

The ATMs at the Holton-Whitehall Rd. office are not taking deposits at this time. If you need to make a deposit, you can do so at the Cogswell location using our night-drop box, the drive-thru, or working with one of our tellers in the lobby. We apologize for this inconvienience, but we will let you know once the situation has been resolved.

Also, we have been informed by a couple of vigilant members that someone has been using HarborLight Credit Union’s phone number in an attempt to scam others. The individual will say that they are calling from HCU and say that there is an issue with the account and that the member will have to make a payment over the phone to resolve the issue. If you receive a phone call like this, hang-up and give us a call and tell us what happened.

Thank you for your support.

 

Sincerely,

HarborLight Credit Union

 

 

 

 

January 5, 2021

This year HarborLight Credit Union has paired up with Love My Credit Union to bring you another savings opportunity. By going through HCU, you can save on filing your taxes with TurboTax. You have to do your taxes anyways, might as well save a little! Click the banner below to get started!

 

Save Up To $15 on TurboTax!

 

November 12, 2020

Dear HarborLight Credit Union Member,

In order to ensure business continuity and safety standards, we have decided to close the Holton-Whitehall location until further notice. We are happy to assist members at our main office location, located at 2151 Cogswell Drive.

We hope you and your family are safe and healthy during these difficult times. If you have any questions or concerns, give us a call at 231-894-5608.

 

Sincerely,

The HarborLight Credit Union Family

 

 

November 2020

HarborLight Credit Union Will Be Closed Veteran's Day

We will be closed Wednesday, November 11, 2020 for Veteran's Day and will reopen on Thursday, November 12, 2020. We want to take this time to thank all of those who have served and have kept our country safe.

 

October 2020

Winter is Right Around the Corner! Are You Ready?

Rates as low as 6%*!

Winter can bring with it a lot of unexpected expenses. Sometimes that is when you discover you need a new roof, furnace, or snow tires. Maybe you need help with Christmas gifts or just need an escape from the harsh Michigan winter. That is when we are here to help. Our Life Happens Loan is just that. A loan when you suddenly need a bit more cash. HarborLight Credit Union has the best rate in Muskegon County, so if you need a bit of help this season, come see us.

*Annual Percentage Rate (APR) is the advertised base rate and is subject to credit worthiness. All loans are subject to approval and other restrictions may apply. Offer ends 12/25/2020.

Apply today!

 

October 2020

See yourself drving a new car?

Rates as low as 2.24%* and no payments for 90 days!

*Annual Percentage Rate (APR) is the advertised base rate and is available for credit scores of 650 and higher. If your score is below 650, we will beat your current rate by 1% with a floor-rate of 2.24%. Loan terms and rates are subject to credit worthiness. All loans are subject to approval and other restrictions may apply. Offer ends 10/31/2020.

Apply today!

 

October 5, 2020

The Great HarborLight Credit Union Pumpkin Patch!

As fall activities are being canceled due to COVID-19 concerns, HarborLight Credit Union has a fun and safe activity for kids of all ages.

Starting Monday, October 5th through Friday, October 23rd kids can stop by our 2151 Cogswell Dr. location in Whitehall to pick out their pumpkin from our pumpkin patch. When the pumpkin comes back decorated they will be entered into a raffle and we will proudly display the pumpkin on our sidewalk.

Our raffle will be broken out into two age groups and winners will be announced Monday, October 26th. Kids ages 2-12 will be entered to win a Trick or Treat bucket full of candy and toys. Those aged 13-18 will be entered in to win Halloween candy and a Biggby gift card.

Come on out and celebrate the Halloween season in a safe and fun manner!

 

September 28, 2020

Time to get shredded!

We will be hosting a shredding event on Monday, September 28, 2020. It will be from 4:00 pm - 6:00 pm at our 2151 Cogswell Dr. location. So go through your old files, drawers, closets, and boxes and we will see you there!

There will be a truck that will have locked bins to drop your documents in. It is taken off-site to be shredded. This process meets the same security and privacy standards as the shred on-site process, with less interaction between people.

 

June 27, 2020

Both lobbies are open!

We are so glad to be able to serve you in the lobby again at both locations!! No appointments necessary.
Remember to wear your mask and practice social distancing to visit us inside either lobby.

Thank you for your patience and understanding as we still navigate the guidance to keep everyone safe. Please know that we are still required to limit the staff to serve you but are committed to provide the great member service you deserve. The drive up will still have the extended services for those who want to use it instead.

 

June 10, 2020

Lobby appointment information

We are excited to announce that you are now able to make an appointment to visit our Cogswell Dr. lobby.
Appointments will start the week of Monday, June 15th.Please call 231-894-5608 and enter extension 224.
Kimberlie will need to know what the nature of your business is for the appointment. This will help with the
time allotment for scheduling purposes. Please note that appointments will be from 9 am to 4 pm for this first week.
To help ensure the safety of staff and members masks will be required. You will be asked to show your ID and lower your mask for entry purposes. There are plexi-glass shields installed and hand sanitizer available.
All areas will be sanitized after each member has visited. Thank you for your continued patience and understanding

 

June 9, 2020

Exciting news!!

We are excited to announce the Cogswell Dr. lobby will be opening for appointment only traffic starting June 15th.
Stay tuned for details on how to schedule an appointment and the safety guidelines for visiting us.

May 21, 2020

The NIGHT DROP located in the Cogswell drive thru lane past the ATM will now be open during business hours. You may drop your deposit transactions into the secure drawer (slot), and it will be processed within the hour from 9 am until 5 pm. After 5pm the transactions will be posted the next business day. Thank you for your flexibility during this everchanging time.

 

May 12, 2020

 

ANNUAL MEETING POSTPONED
We were scheduled to have our Annual Meeting this Friday, May 15.
Unfortunately, this cannot happen.
We will reschedule this meeting and inform you of the new date once it is safe to do so.
Hopefully, we can reschedule for August.

 

April 17, 2020