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Updated drive-thru hours

March 30, 2020

Update to the drive-thru hours.
Starting Tuesday, March 31st we will be open the following times at the Cogswell office drive-thru.
Monday - Thursday 9:00 am to 5:00 pm.
Friday 8:00 am to 6:00 pm
Saturday 9:30 am to 12:30 pm
Thank you for your patience as we try to accommodate everyone's needs. We are aware that this can cause some added wait times in the drive thru.
If you are cashing a check, making a deposit, transfer or withdrawal please use lane 2 or 4.
Please also note that we are unable to take coins through the tubes. They are too heavy and cause the tubes to get stuck.
We appreciate the help and patience as we try to keep everyone safe while keeping services up and running as close to normal as we can.
Remember we have many remote services available to use from home, including mobile check deposit. You can snap a picture of your check and have it deposited into your checking account.


March 24, 2020


Checking in with a Coronavirus (COVID-19) update. HarborLight Credit Union is considered an Essential Business and will remain open during Governor Whitmer's Executive Order to stay at home.

We will continue serving our members and protecting your money during this time! You will have access to your funds, which are federally insured up to at least $250,000 by the full faith and credit of the United States government.

Our drive thru will remain open. We can be contacted at 231.894-5608 or e-mail us at [email protected] for any questions or concerns you may have.

Please take a moment to view the video below produced by our valued partners at the Michigan Credit Union League (MCUL) sharing the impact of credit unions during these challenging times.

You and your money are safe at HarborLight Credit Union. Thank you for your loyal membership.

To stay updated visit our website at:


March 23, 2020

Your deposits at HarborLight Credit Union are insured up to $250,000 by the NCUA.

Federally insured credit unions offer a safe place for you to save your money. All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union. For more information, visit

Share Insurance |

Information on NCUA Share Insurance and its Share Insurance Estimator



March 18, 2020

Valued HarborLight Credit Union Members,

We appreciate your loyal membership and are here to help navigate these uncharted waters.  We are aware that members may need assistance with loan payments, and we have some solutions to offer.  First, we are announcing an all-new Skip A Pay program.  This program allows members to skip up to two payments per calendar year with no questions asked.  Until further notice, we will not be charging any fee for our Skip A Pay program.  Please note this program does not apply to Visa, Home Equity, or Mortgage loans.  You can find the Skip-A-Pay form on our website and you can call or email us for assistance. If you need additional assistance regarding your HCU loan obligations, we want to help.  We will look at each situation on a case-by-case basis and explore creative solutions to help relieve financial stress.  Please contact a member of our loan solutions department for assistance.

We are also offering income replacement loans for those who have experienced income loss or reduction as a result of the Coronavirus (COVID-19) pandemic.  Our loan team is here and ready to help.  We will gladly accommodate loan applications via phone or internet and can even perform most loan closings remotely using your smart phone or a computer for electronic signatures.  In addition, we will work with our members during these tough times on fee refunds, courtesy pay/overdraft related issues, and anything else within reason.  Finally, we have a team of dedicated and professional Certified Credit Union Financial Counselors at the ready.  We can offer professional financial counseling and help with budgeting, improving credit scores, etc.  The bottom line is we are here through the storm to help our members.  We are honored to live out our Mission Statement . . . HarborLight Credit Union exists to improve the financial well-being of our members.

Thank you for your membership!

Justin Bamford


NMLS# 806635

Phone 231.894.5608 x230

Fax 231.894.5530

HarborLight Credit Union



March 17, 2020

Dear Members,

Thank you for your patience and understanding. Currently, we are watching the latest updates on the COVID-19 public health situation and adjusting to keep our staff, members and community safe.

Please know that we are temporarily shifting how we serve you to accommodate the CDC’s guidelines for best practices. In response to the best practices, the Holton-Whitehall Rd. office and the lobby at the Cogswell Ave. office are temporarily closed.

We want to assure you that your money is safe and available to you.

We have available online banking and bill pay, the ATM’s, the TouchBanking app which includes mobile check deposit and the drive thru at our Cogswell office.

Our staff is available to help any way that we can to make your world a little easier in this unusual time. If you need help, have questions or concerns please contact us via phone at 231-894-5608 or 877-894-5557, email at [email protected], website or Facebook messenger.

The phone and drive-through hours at the Cogswell office will be Monday – Thursday 9:00 am to 6:00 pm, Friday 8:00 am to 6:00 pm and Saturday 9:30 am to 12:30 pm.

Thanks again for allowing us to serve you.

Justin Bamford CEO



March 16, 2020



To protect our members and staff, we are closing our Holton-Whitehall Road branch as well as the lobby at our main office from March 17th to March 31st.  ATM’s are available at both locations.  Extended drive through services will be offered and appointments will be considered on a case-by-case basis.  Call us at 231-894-5608 or email at [email protected] for appointments or access to our full array of remote/electronic services. 

Thank you for your understanding during this time.



Coronavirus (COVID-19) Update

Concern surrounding the Coronavirus (COVID-19) continues to grow.  We want to assure you that we are closely monitoring the situation.  Protecting the health of our members and employees is a top priority.  If you visit one of our branches, please know that we are significantly strengthening cleaning procedures to help ensure the safest possible environment for all.

While our offices and phone lines are still open, you can also access your account online 24/7 via Virtual Branch at or with Touch Banking, our mobile app.  With this access, you can view your account details, check balances, transfer payments and pay bills.  With our mobile app, you can even deposit checks.  Furthermore, with free member access to more than 30,000 Co-op Network surcharge free ATMs, you can do your banking without needing a branch.  Click below to find a Co-op Network ATM near you.

For the latest reporting on COVID-19 from the Centers for Disease Control, you can visit

The health and well-being of our members and the HCU staff will remain our highest priority and we will continue to monitor the situation and provide additional updates as needed.

Thank you for your membership!


Justin Bamford, CEO


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