Harbor Pointe Credit Union
Headquarters
11 W 2nd St, Po Box 161558
Duluth, MN 55816
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2024 Overview
General Credit Union Information
Harbor Pointe is an NCUA insured institution located in Duluth, MN. It was founded in 1933 and has approximately $144.18 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60207 |
| Date Established | 1933 |
| Assets | $144.18 million |
| Loans | $114.30 million |
| Deposits | $126.96 million |
| Capital | $17.46 million |
Field of Membership Restrictions
Duluth Teachers Credit Union of Minnesota is open to all of the residents within the counties of South St.Louis, Carlton, and Douglas, as well as Two Harbors.Membership eligibility also extends to include the family members of current credit union members.
Deposit Rates - November 12, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.25% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.25% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.05% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
Loan Rates - November 12, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Harbor Pointe
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 401822 |
6.668% | 6.500% | 0.75 | $5,600 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.981% | 6.875% | 0.88 | $3,442 | $2,103 | Learn More |
NMLS ID: 1907 |
7.068% | 7.000% | 0.75 | $2,202 | $2,129 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
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More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
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More Info |
Note to Harbor Pointe
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Branches
Below are Harbor Pointe branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Harbor Pointe Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 674.72 | A | View Lobby Hours | |
| 676.31 | B | View Lobby Hours | |
| 677.43 | C | View Lobby Hours |
Climate Policy and Initiatives
HARBOR POINTE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Harbor Pointe Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Harbor Pointe. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Harbor Pointe | U.S. Average |
|---|---|
| 1.18% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Harbor Pointe had $195,482 in non-current loans and $18,090 in owned assets. To cover these potential losses it had $17,455,779 in net worth and $608,625 in loans loss reserves. That gives it a Texas Ratio of 1.18%.
Net Worth
| Harbor Pointe | U.S. Average |
|---|---|
| 12.11% | 13.93% |
Harbor Pointe FCU has a net worth of 12.11% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Harbor Pointe
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