Harbor Pointe Credit Union Duluth MN | Best Auto Loans & Business Banking

Introduction

Welcome to the Harbor Pointe at Miller Hill Branch, where our mission is to serve you with trust and dedication. Nestled in the heart of Duluth, MN, at 4433 Trinity Rd, Duluth, MN 55811, we have been a cornerstone of our community since 1933. With a strong membership base of over 8,085 members, we pride ourselves on being more than just a financial institution; we are your partner in achieving financial success. At Harbor Pointe, we understand that every dollar counts. That's why our total assets reach an impressive $145,216,729, and we hold total deposits of $7,426,118. With a robust net worth of $17,933,091, we ensure that your savings are not only safe but also growing. Our commitment extends to providing access to over 6,809 loans and leases, tailored to meet your unique needs. Our leadership team is dedicated to making a positive impact on our community. Under the guidance of CEO Lisa Herstad and Board President Pauline John, we strive to deliver exceptional service and innovative financial solutions. Our knowledgeable staff of 29 employees is here to assist you with everything from personal banking and auto loans to business financing. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 4433 Trinity Rd, Duluth, MN 55811. Whether you're looking for a checking account or need assistance with loan options, our friendly team is just a phone call away at 218-279-3828. We invite you to explore our services online at hpcu.us or visit us in person during our convenient operating hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM. Join us today as we work together towards your financial goals!

Branch History & Mission

A Legacy of Growth

Over the years, Harbor Pointe has grown significantly. Today, we proudly serve over 8,000 members and manage total assets of approximately $145 million. Our commitment to providing quality financial services has only deepened with time. Located at 4433 Trinity Rd, Duluth, MN 55811, we are easily accessible for those in the area. Just a stone's throw from local landmarks like Miller Hill Mall, our branch is designed to be a welcoming space for all. While our physical address serves as the hub for personal interaction, official correspondence can be sent to the same address as well.

Community Connection

At Harbor Pointe, we believe that strong communities build strong futures. We actively engage in outreach initiatives that support local events and programs. By partnering with local organizations and participating in community service projects, we reinforce our commitment to being not just a bank but a trusted community partner. Our operating hours are designed with your schedule in mind open from 9 AM to 6 PM Monday through Friday and 9 AM to 1 PM on Saturday to ensure you can access our services when it suits you best. Additionally, we provide ATM availability and drive-thru banking for quick transactions.

Join Us Today

As we look toward the future at Harbor Pointe, we invite you to become part of our story. Experience firsthand how we're dedicated not only to your financial well-being but also to uplifting our community as a whole. Reach out today at 218-279-3828 or visit us online at Harbor Pointe to learn more about joining our family. Together, let's build a brighter future!

Mission-Driven Impact

Our mission at Harbor Pointe goes beyond just banking; we aim to empower individuals and families through education and access to essential financial services. We offer various products, including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking services. Our focus is on making banking straightforward and beneficial for everyone. In addition to traditional banking services, we've embraced modern technology to enhance member experiences. With online banking options, mobile payments, e-statements, and even electronic signature capabilities, we strive to make your banking experience as convenient as possible.

Branch Location & Accessibility

Accessibility and Services

At Harbor Pointe, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spots, ensuring that everyone can access our services without any hassle. If you're on the go, take advantage of our drive-thru banking service for quick deposits and withdrawals. Our dedicated team is here to assist you with a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions designed just for you. Plus, with our ATM available on-site, you can easily manage your cash anytime.

Come Visit Us!

We invite you to stop by Harbor Pointe Miller Hill Branch and experience our warm community atmosphere firsthand. Our friendly staff is eager to help you navigate your financial journey. Whether you're looking for a new account or simply have questions about our services, we're here for you. Join us today and discover how Harbor Pointe can make a positive impact on your financial well-being!

Operating Hours

We understand that life can get busy! That's why our lobby is open from 9 AM to 6 PM Monday through Friday, making it convenient for you to visit us after work or during lunch breaks. We also offer drive-thru service on Saturdays from 9 AM to 1 PM for those who prefer a quicker way to handle their banking tasks. While members can visit us at 4433 Trinity Rd, official correspondence should be sent to the same address since our mailing address is the same. If you have any questions or need assistance while visiting us, don't hesitate to call us at 218-279-3828.

Member Eligibility

At Harbor Pointe, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Duluth area, you're likely eligible to join us. We embrace individuals from all walks of life, so whether you're new to banking or looking for a more personalized experience, we've got you covered. Not only will you gain access to a wide range of financial services tailored to your needs, but you'll also enjoy the benefits of being part of a member-focused institution that prioritizes your financial well-being. Getting started with your membership is easy! You can find all the necessary details about eligibility and how to open an account by visiting our website at https://hpcu.us/about-hpcu/apply-for-a-scholarship/ . If you have any questions or need assistance, feel free to reach out to us at (218) 279-3828. We're here to help make your transition into membership smooth and enjoyable. Join us today at 4433 Trinity Rd Duluth Mn 55811 and start experiencing the difference!

Business Banking & Commercial Services

Lending Solutions

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

Beyond loans, we offer merchant services that simplify payment processing for your business. Imagine this: a busy Saturday at your café where customers can easily pay via mobile or card, allowing you to serve more people without delays. Our tools help you streamline transactions so you can focus on what really matters growing your business. Visit us at 4433 Trinity Rd Duluth Mn 55811 or call us at (218) 279-3828 to learn how we can partner with you on your journey toward success!

Comprehensive List Of Services

Accessible Transactions

For those who prefer face-to-face interactions, we offer basic drive-thru banking for deposits, withdrawals, and simple transactions making your visits quick and efficient. Plus, with easy access through our ATMs for withdrawals and balance checks, managing your money is always within reach. At Harbor Pointe, we pride ourselves on being more than just a financial institution; we're a community partner committed to supporting our members' financial well-being. If you're ready to experience the benefits of membership at Harbor Pointe, give us a call at (218) 279-3828 or visit us at 4433 Trinity Rd Duluth Mn 55811 in Duluth today! Explore all the ways we can help you achieve your financial goals we're here for you every step of the way!

Business Banking

For entrepreneurs and business owners, our Business Banking services include essential tools like Merchant Services & Business Loans, helping you manage and grow your enterprise effectively.

Credit Cards and Personal Loans

We understand that life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options to help you get back on track. Our Credit Cards with Rewards program allows you to earn points on everyday purchases, giving you more value for your spending.

Digital Banking Features

In today's fast-paced world, convenience is key. With our robust Online & Mobile Banking, managing your accounts has never been easier. You can check balances, transfer funds, and even deposit checks right from your smartphone. Our ATM & Cash Withdrawal Services ensure that you have access to cash whenever you need it.

Personal Banking Solutions

Our personal banking services start with flexible Checking & Savings Accounts that cater to different lifestyles and goals. For those looking to buy a car, our Auto Loans & Vehicle Financing options make it easy to drive away in the vehicle you want without breaking the bank. If you're considering homeownership or refinancing an existing mortgage, our Mortgage Loans & Refinancing services provide competitive rates and personalized assistance.

Digital & Online Banking

Accessibility and Security

Your security is our top priority. We use advanced encryption technology to protect your information while ensuring that all transactions are safe and secure. You can bank with peace of mind knowing that your personal data is well-guarded. With all these features available at Harbor Pointe, managing your finances has never been more accessible or straightforward. Join us today and experience the ease of digital banking!

Key Features

One of the standout features is our mobile application, which allows you to manage your accounts right from your smartphone. With this app, you can deposit checks using your camera and set up e-statements to receive your financial documents securely and conveniently. No more cluttered mailboxes just clear and accessible statements at your fingertips! We also offer mobile payments, making it simple for you to make purchases directly from your phone. Want to send money to a friend? Use our person-to-person transfers feature for quick and easy transactions. And for those moments when you need to sign documents quickly, our electronic signature authorization provides a secure way to approve important paperwork without the hassle of printing or scanning.

Financial Strength

Growing Membership Base

Our total share accounts stand at 15,808, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $166,103, further illustrating our readiness to meet your needs. 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 4433 Trinity Rd Duluth Mn 55811 or call (218) 279-3828 to learn more about how we can help you achieve your financial goals.

Member-Focused 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. 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 $1,105,233 reflects our operational efficiency, 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.

Reinvesting in Your Future

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 commitment to supporting your financial goals is reflected in our lending capacity of $115,060,146, which includes $1,347 in used auto loans.

Solid 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 terms and competitive rates to make sure you drive away satisfied.

Business Loans

For business owners, our outstanding commercial loans totaling $8,050,971 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to improve an existing one, our team is ready to support your business ambitions.

Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. We currently have $1,983,100 in these loans available to assist our members in managing their finances effectively. With flexible terms designed around your needs, our credit cards offer rewards that can enhance your purchasing power.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $8,095,504, making buying or refinancing simple. We're here to help you navigate the mortgage process so you can focus on creating memories in your new home.

Refinancing Options

If you're considering refinancing any of your existing loans or credit lines, we offer competitive rates that may lower your monthly payments and save you money in interest over time. Our team can walk you through eligibility options tailored specifically for you. At Harbor Pointe Credit Union, we prioritize your financial well-being by providing various loan options that cater to different life stages and financial situations. Don't hesitate to reach out to us at 218-279-3828 for any questions or assistance related to our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Discover how we can help you achieve your goals today!

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of using LendMesh is its commitment to Verified Data. All loan offers come from legitimate financial institutions, which means you can be confident in the transparency of the deals presented. Additionally, LendMesh stands out because it features No Sponsored Listings; lenders are not prioritized based on paid promotions. Instead, LendMesh focuses solely on providing unbiased results. Another significant benefit is Real-Time Rate Comparisons. The platform continuously updates loan rates from multiple institutions, empowering users to make informed decisions based on current market conditions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underscore the reliability and effectiveness of this comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

HARBOR POINTE CREDIT UNION