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

Introduction

Welcome to Harbor Pointe at the Kenwood Branch, your trusted financial partner since 1933. Located at 1515 Kenwood Ave Ste 200, Duluth, MN 55811, we are proud to serve our community with dedication and care. Whether you're looking for a personal loan, a checking account, or business banking solutions, our goal is to help you achieve your financial dreams. At Harbor Pointe, we understand that each member's journey is unique. With over 8,085 members and total assets of $145,216,729, we are committed to providing personalized services that meet your needs. Our experienced team of 29 employees, led by CEO Lisa Herstad and Board President Pauline John, is here to ensure you receive the best service possible. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 1402 W Arrowhead Road, Duluth, MN 55811-2228. We encourage you to explore our range of services, which include personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. With a strong net worth of $17,933,091 and cash in hand amounting to $925,468, we pride ourselves on being a reliable institution that supports both individual and business needs. You can trust us to safeguard your deposits totaling $7,426,118 while helping you secure loans and financing for various life goals. If you're interested in becoming a member or learning more about our services, please visit us online at hpcu.us or call us at 218-724-8218. We look forward to serving you!

Branch History & Mission

Welcome to Harbor Pointe, where our journey began in 1933 in the heart of Duluth, Minnesota. Over the years, we have grown and adapted to meet the needs of our community, all while staying true to our mission: providing exceptional financial services while supporting and uplifting our members. Located at 1515 Kenwood Ave Ste 200, we are proud to serve our local members and visitors alike. As you step into our branch, you will find a welcoming atmosphere designed to make your banking experience as pleasant as possible. While official correspondence should be sent to 1402 W Arrowhead Road, Duluth, MN 55811-2228, we invite you to visit us at our branch for personalized service. Throughout our history, Harbor Pointe has focused on building strong relationships with our members. Today, we proudly serve over 8,085 members and manage total assets amounting to $145,216,729. Our commitment to community is reflected not only in the financial services we offer but also in various outreach initiatives aimed at making a positive impact. Our mission emphasizes more than just banking; it's about fostering a sense of belonging and empowerment within the community. We aim to provide accessible personal banking services such as checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Whether you're looking for ways to save or need assistance with loans or investments, we're here for you every step of the way. In addition to traditional banking services, we've embraced digital advancements that make it easier for you to manage your finances. With features like online banking, mobile payments, and electronic statements available, your banking experience is both convenient and secure. We are also committed to accessibility standards to ensure everyone can benefit from our services. While we do not have drive-thru services at this location, we do offer ATM availability so that you can access cash when needed. Our operating hours are designed with your schedule in mind: open Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 5:30 PM; and Saturday from 9 AM until 1 PM. As part of our ongoing efforts to support our community, Harbor Pointe partners with local organizations and initiatives aimed at promoting financial literacy and well-being. We believe that by working together with those around us, we can create a stronger foundation for future generations. We invite you to join us at Harbor Pointe! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community focused on growth and success. For more information or if you have any questions, feel free to call us at 218-724-8218 or visit us online at hpcu.us. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Harbor Pointe Kenwood Branch, your friendly neighborhood credit union located at 1515 Kenwood Ave Ste 200 in beautiful Duluth, MN. Situated conveniently near local landmarks, our branch is easy to reach whether you're coming from downtown or just passing through. At Harbor Pointe, we prioritize your convenience and accessibility. Our branch features ADA-compliant entrances and parking spaces, ensuring everyone can access our services with ease. We also have an ATM available for quick cash withdrawals and balance checks perfect for those on-the-go moments. We understand that life can get busy, which is why our operating hours are designed to fit your schedule. Visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM, and Saturday from 9 AM to 1 PM. Whether you need help with personal banking, auto loans, or credit cards with rewards, our friendly team is here to assist you. While members can visit us at our Kenwood location, please note that any official correspondence should be sent to our mailing address at 1402 W Arrowhead Road, Duluth, MN 55811-2228. So why wait? Come by the Harbor Pointe Kenwood Branch today or give us a call at 218-724-8218. We look forward to serving you!

Member Eligibility

At Harbor Pointe, we believe that becoming a member is like joining a caring community where your financial well-being is our top priority. If you live, work, worship, or attend school in the area surrounding 1515 Kenwood Ave Ste 200 Duluth Mn 55811, you're likely eligible to join us! We welcome individuals and families from all walks of life, and we're committed to providing personalized service and support tailored to your unique needs. As a member, you'll enjoy access to a variety of financial services designed to help you reach your goals, from savings accounts and loans to online banking features. Getting started with membership at Harbor Pointe is simple! Just visit us at our branch or check out the details for opening an account on our website: https://hpcu.us/about-hpcu/apply-for-a-scholarship/ . If you have any questions or need assistance, feel free to give us a call at (218) 724-8218. For more detailed information on eligibility requirements, please refer to our resource page at . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, having reliable merchant services is essential for any business. At Harbor Pointe, our merchant services help you accept payments easily be it through card transactions or mobile payments. This means smoother sales processes and happier customers, allowing you to focus on what you do best: running your business. Located at 1515 Kenwood Ave Ste 200 Duluth Mn 55811 in Duluth, MN, we're here to partner with you every step of the way. Give us a call at (218) 724-8218 to learn more about how we can support your business dreams!

Our Commitment to Your Business

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.

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we understand how crucial it is to have reliable banking support. Our business banking services include merchant services and business loans, enabling you to manage cash flow and expand operations confidently.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why at Harbor Pointe, we provide robust online and mobile banking features. You can check balances, transfer money, and even pay bills from the comfort of your home or on the go all through our user-friendly mobile application. Additionally, if you need cash quickly, our ATM services are readily available for withdrawals and balance checks. While we don't have drive-thru service, our ATM ensures that getting cash remains hassle-free.

Credit Cards and Rewards

To enhance your spending experience, we offer credit cards with rewards. These cards not only give you purchasing power but also allow you to earn points for every dollar spent perfect for those who enjoy traveling or dining out.

Personal Banking

For individuals seeking to manage their finances effectively, we offer various checking and savings accounts tailored to fit different lifestyles. Imagine having the flexibility to access your funds easily while enjoying competitive interest rates. Our auto loans and vehicle financing make purchasing that new car not only possible but also affordable. If homeownership is on your horizon, our mortgage loans and refinancing options can help you secure a place to call your own. Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We aim to provide solutions that ease your financial burden while allowing you to focus on what matters most.

Reach Out Today!

With so many offerings designed with you in mind, we invite you to explore how Harbor Pointe can help fulfill your financial goals. If you have any questions or would like more information about our services, please don't hesitate to contact us at 218-724-8218. We're here to help! Visit us online at hpcu.us for more details or stop by during our operating hours: Monday through Thursday from 9 AM - 5 PM, Friday until 5:30 PM, and Saturday from 9 AM - 1 PM. Let's start your journey towards financial wellness together!

Digital & Online Banking

Key Features

With features like electronic signature authorization, you can complete transactions securely from the comfort of your home. No more waiting in line just sign digitally and you're done! Plus, our e-statements are available for those who prefer going paperless. This not only helps the environment but also allows for easy access to your statements at any time. If you're always on the go, you'll love our mobile application. It comes equipped with mobile payment options so you can make purchases directly from your phone. Whether you're out shopping or dining, simply use your device to pay effortlessly. Additionally, our person-to-person transfer feature makes sending money to friends and family quick and easy.

Safety First

We prioritize your security with advanced protection measures in place. You can rest assured that your personal information is safe while using our digital services. At Harbor Pointe, we're committed to providing accessible and efficient banking solutions tailored for your lifestyle. Join us today to take full advantage of all the benefits that come with our digital banking offerings!

Financial Strength

Committed Team

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. Your financial journey is important to us, and our dedicated staff is here to assist you every step of the way.

Growing Membership Base

Our commitment to our members is evident in the total share accounts of 15,808, showing a strong and growing member base that trusts us with their finances. This community-focused approach allows us to foster long-term relationships built on respect and understanding. In conclusion, 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 1515 Kenwood Ave Ste 200 Duluth Mn 55811 or call (218) 724-8218 to learn more about how we can help you achieve your financial goals.

Lending Capacity

With $1,347 in used auto loans and $115,060,146 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $1,105,233 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Secured Member Savings

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. This focus on member benefits is paramount at Harbor Pointe, where we prioritize your needs over profits.

Strong Financial Health

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 terms that make it easier than ever to secure financing for both new and used vehicles.

Business Financing

For business owners, our outstanding commercial loans totaling $8,050,971 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities. That's why we are dedicated to offering tailored solutions that fit your business needs.

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our dedicated team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any of your existing loans or exploring eligibility options for new financing products, our team is ready to assist you. We'll work closely with you to explore all available options so you can make informed financial decisions. No matter what type of loan you need be it an auto loan, mortgage loan, or unsecured credit card we're here to help. Visit us at our branch located at 1515 Kenwood Ave Ste 200 Duluth MN 55811, or call us at 218-724-8218 for more information on how we can support your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,983,100 in loans helping members manage their finances effectively. Our credit cards come with various benefits that can help you save money while making everyday purchases more manageable.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that all offers are fair and transparent. By working with verified institutions, LendMesh guarantees that users receive accurate information about available loans.

HARBOR POINTE CREDIT UNION