Harbor Pointe Credit Union Duluth MN | Affordable Vehicle Loans & Low Mortgage Rates

Introduction

Welcome to Harbor Pointe, your trusted financial partner located at 11 W 2Nd St, Duluth, MN 55802. Since our establishment in 1933, we have dedicated ourselves to serving our community with integrity and personalized banking solutions. With a robust membership of 8,085 individuals, we pride ourselves on being more than just a credit union; we're a part of your financial journey. As of now, our total assets stand at an impressive $145,216,729, reflecting our commitment to stability and growth. We currently manage $7,426,118 in deposits and have issued 6,809 loans to help our members achieve their dreams whether it's buying a new car or securing a home. Our strong net worth of $17,933,091 and cash reserves totaling $925,468 ensure that we can always support you when you need us the most. Led by our dedicated CEO, Lisa Herstad, and Board President, Pauline John, we strive to foster lasting relationships with our members. Our team of 29 employees is here to provide you with exceptional service tailored to your unique needs. If you ever need assistance or want to learn more about our services ranging from personal loans and auto financing to business banking don't hesitate to reach out at 218-722-9242. While members can visit us at our physical location, official correspondence should be sent to our mailing address: 11 W 2nd St, PO Box 161558, Duluth, MN 55816. At Harbor Pointe, we believe in giving back to the community that has supported us for decades. Come experience the difference of a credit union that truly values its members. Visit us today or explore more about what we offer on our website: hpcu.us. Let's build a brighter financial future together!

Branch History & Mission

Modern Banking Solutions

In addition to traditional banking services, we embrace technology to enhance your experience. With features like online banking, mobile payments, and electronic signatures, managing your finances has never been easier. We also offer convenient ATM access and drive-thru banking for quick transactions. Your comfort and accessibility are important to us. While members can visit us at 11 W 2nd St, official correspondence should be sent to PO Box 161558, Duluth, MN 55816 if needed. As we look toward the future, our focus remains on growth both for our credit union and the community we serve. We invite you to join Harbor Pointe today and experience firsthand how we can help you achieve your financial goals while making a difference in Duluth. For more information or to become a member, please call us at 218-722-9242 or visit our website at hpcu.us. Join us in building a brighter tomorrow!

Our Location and Community Impact

You can find us at 11 W 2nd St, Duluth, MN 55802, where we are dedicated to providing personalized banking solutions. Nestled in the heart of Duluth, our branch is easily accessible for those in the area. We're proud to be more than just a bank; we are a part of this vibrant community. Our team works tirelessly to support local initiatives and charitable events that uplift our neighbors.

Our Mission

At Harbor Pointe, our mission is clear: we strive to empower our members by offering comprehensive financial services tailored to meet their unique needs. Whether it's personal banking options like checking and savings accounts or more complex services such as auto loans and mortgages, we aim to make banking accessible for everyone. We believe in building strong relationships with our members through trust and transparency. Our commitment goes beyond just financial services; we actively engage in community outreach programs that help improve the lives of those around us. By partnering with local organizations, we work together to create positive change within Duluth.

Branch Location & Accessibility

Welcome to the Harbor Pointe branch, your friendly financial partner located at 11 W 2Nd St in beautiful Duluth, MN! Nestled in the heart of Saint Louis County, our Downtown Main Office is conveniently situated near popular landmarks and easily accessible for all your banking needs. Whether you're heading to work or exploring the local area, stopping by is a breeze. At Harbor Pointe, we pride ourselves on making banking simple and welcoming. Our location offers ample parking and features that ensure accessibility for everyone, including ADA-compliant ramps. We understand that convenience matters, which is why we provide drive-thru banking services for quick deposits and withdrawals. Plus, with an ATM available on-site, accessing your funds has never been easier. We invite you to visit us during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 5:30 PM. If you need assistance or have questions about our services like personal accounts, auto loans, or mortgage options don't hesitate to give us a call at 218-722-9242. While members can visit us at our branch address, official correspondence should be sent to our mailing address: PO Box 161558, Duluth, MN 55816. Come experience the difference at Harbor Pointe. We look forward to helping you achieve your financial goals!

Member Eligibility

At Harbor Pointe, we believe that everyone deserves a place to feel valued and supported, which is why we welcome you to become a member of our community! Joining us is easy and open to anyone who lives, works, worships, or attends school in Duluth or the surrounding areas. Whether you are looking for personal banking services, auto loans, or simply a friendly face to greet you when you walk in, our doors are open to you. For those interested in learning more about eligibility criteria and ensuring you meet the requirements, please check out our detailed information at this link. Once you're ready to start your journey with us, opening an account is straightforward! You can find all the details you need on how to apply by visiting this page. If you have any questions along the way, don't hesitate to reach out to us at 218-722-9242. We're excited to welcome you into the Harbor Pointe family!

Business Banking & Commercial Services

Financing Options for Every Stage

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $86 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $8,050,971, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In addition to loans, our merchant services provide practical benefits for daily operations. Imagine having a reliable payment processing system that keeps your cash flow steady and allows you to focus on what you do best running your business. Our services ensure that transactions are smooth and efficient, giving you peace of mind while serving your customers. Located at 11 W 2Nd St Duluth, MN 55802, we're here to help you thrive. Reach out today at 218-722-9242 to learn more about how Harbor Pointe can be your partner in success!

Comprehensive List Of Services

A Commitment to Our Members

At Harbor Pointe, we strive to make your banking experience as smooth as possible while providing personalized support when needed. Our friendly staff is always ready to assist you with any questions or concerns. We invite you to visit us at 11 W 2Nd St Duluth Mn 55802 or give us a call at (218) 722-9242 for more information on how we can help you achieve your financial goals. Join us today and discover all the ways we can serve you better!

Business Banking Options

For entrepreneurs and small business owners, we provide comprehensive business banking solutions including merchant services and business loans. We understand the unique challenges businesses face and are here to support your growth every step of the way.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! They not only provide purchasing power but also earn you points for every dollar spent perfect for those who enjoy traveling or dining out.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking services, allowing you to manage your finances on-the-go. Check balances, transfer funds, or pay bills from your smartphone or computer anytime, anywhere. Plus, with our ATM availability and basic drive-thru banking services for deposits and withdrawals, accessing your money has never been easier.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts designed for every lifestyle. If you're looking to save for a vacation or build an emergency fund, our accounts come with features that make saving easy and rewarding. When it comes to financing your dream vehicle, our auto loans and vehicle financing options provide competitive rates that can help get you on the road without breaking the bank. For those interested in home ownership or refinancing, our mortgage loans are tailored to fit various budgets and goals. You'll find that navigating this process is simple with our experienced team by your side. Additionally, if you're facing unexpected expenses or looking to consolidate debt, our personal loans can offer the financial relief you need.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and manage your accounts on your schedule. Plus, with e-statements available, you can go paperless and view your statements whenever you need them, all while keeping your information safe. For those who love the convenience of mobile banking, our user-friendly mobile application is designed for easy navigation. You can send money to friends or family quickly with our person-to-person transfer feature. And if you're on the go, you can also take advantage of mobile payments to make purchases directly from your smartphone.

Security and Accessibility

Your security is our top priority. We use electronic signature authorization to ensure that your transactions are safe and secure. You can feel confident knowing that every aspect of our online services is built with the latest security measures in mind. With Harbor Pointe, managing your finances has never been simpler or more secure. Whether you're checking balances or making payments, our digital banking services empower you to take control of your financial life without any hassle. Join us today and experience the ease of banking at your fingertips!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 15,808, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $166,103, our commitment to your financial well-being remains unwavering. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Harbor Pointe is your trusted partner. Visit us at 11 W 2Nd St Duluth Mn 55802 or call (218) 722-9242 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $19,565,840 in share certificates and $20,822,845 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $1,105,233, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 25 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

With $16,827,858 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1,347 in used auto loans and $115,060,146 in total loans and leases.

Strong Financial Position

With a net worth of $17,933,091, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,235 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $16,107,227 in used vehicle loans and $2,891,339 in new vehicle loans already helping members get on the road. We provide flexible financing options tailored to fit your budget. If you're considering refinancing an existing auto loan, we can help with that too just ask about our refinancing options!

Business Loans

For business owners, our outstanding commercial loans totaling $8,050,971 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and are committed to offering solutions that foster growth. In addition to these core offerings, we also have credit lines available totaling $34,591,497, providing you with additional flexibility for larger purchases or unexpected expenses. Feel free to contact us at 218-722-9242 or visit us at 11 W 2Nd St Duluth Mn 55802 for more information about how we can assist you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Harbor Pointe, we're dedicated to helping you navigate your financial journey with confidence!

Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. We offer flexible terms on these loans, with a total of $1,983,100 available to help members manage their finances effectively. Whether it's for emergencies or daily purchases, our credit cards come with rewards that can benefit you as you spend.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,095,504, make buying or refinancing simple. With competitive rates and personalized service, our team is here to guide you through every step of the mortgage process.

Loan Aggregator

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Real User Experiences

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HARBOR POINTE CREDIT UNION