Harborlight Credit Union Whitehall MI | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Harborlight Cu, your trusted community partner in financial services located at 2151 Cogswell Dr, Whitehall, MI 49461. Established in 1954, we have proudly served our members for nearly seven decades, building a reputation for reliability and personal service. Our commitment to the community is reflected in our growing membership of over 11,500 individuals who trust us with their financial needs. At Harborlight Cu, we understand that banking is more than just transactions; it's about relationships. With total assets exceeding $157 million and total deposits of $15,690,984, we are well-equipped to provide you with the financial support you need. Our offerings include everything from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Led by our dedicated CEO, Justin Bamford, and Board President, Lee Andrews, our team of 36 employees is here to help you navigate your financial journey. Whether you're looking for a loan or need assistance with online banking, we're committed to providing personalized service that meets your unique needs. While members can visit us at our branch location, official correspondence should be sent to the same address: 2151 Cogswell Dr, Whitehall, MI 49461. We invite you to explore our wide range of services designed to help you achieve your financial goals. For any inquiries or assistance, don't hesitate to reach out via phone at 231-894-5608. Visit us today or check out our website at Harborlight Cu to learn more about how we can serve you better!

Branch History & Mission

Welcome to Harborlight, a cornerstone of the Whitehall community since 1954. Our journey began over six decades ago, driven by a simple yet profound mission: to provide accessible financial services that empower our members and uplift our community. As we have grown, so too has our commitment to serving you with integrity and dedication. Located at 2151 Cogswell Dr, Whitehall, MI 49461, our branch is more than just a place for banking; it's a hub for connection and support. Over the years, we have built strong relationships with our members, which now number over 11,500. With total assets exceeding $157 million, we pride ourselves on being a stable and reliable financial partner. At Harborlight, we believe in making banking easy and convenient. That's why we offer a range of services that cater to every need from personal banking like checking and savings accounts to auto loans and mortgages. Our drive-thru service ensures quick transactions for those on the go, while our ATM availability provides you with access whenever you need it. Our mission extends beyond financial transactions. We are dedicated to supporting our community through various outreach programs and partnerships that make a real difference in people's lives. We strive to create an inclusive environment where everyone feels welcome and valued. While members can visit us at 2151 Cogswell Dr for all their banking needs, official correspondence should be sent to the same address as our mailing address remains unchanged. Our operating hours are designed with your convenience in mind: Monday, Wednesday, Thursday, and Friday from 9:00 am to 5:00 pm; Tuesday from 9:30 am to 5:00 pm; closed on weekends. In this digital age, we have embraced technology to enhance your experience. With features like online banking and mobile payments available at your fingertips, managing your finances has never been easier or more secure. Join us at Harborlight today and discover how we can help you achieve your financial goals while being part of a caring community. Experience the difference of banking with people who truly care about your success! For any inquiries or assistance, feel free to reach us at (231) 894-5608. We look forward to welcoming you!

Branch Location & Accessibility

Welcome to Harborlight, your friendly neighborhood credit union located at 2151 Cogswell Dr in beautiful Whitehall, MI. Nestled in Muskegon County, our branch is not just a place to bank; it's a community hub where members can access personalized financial services with ease. Whether you're visiting us after a trip to the nearby Lake Michigan beach or stopping by on your way home, our convenient location makes it simple to meet your banking needs. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking, so everyone can visit us comfortably. If you need assistance, our dedicated staff is always ready to help. While members can visit us at 2151 Cogswell Dr, official correspondence should be sent to the same address for consistency. We understand that convenience is key when it comes to banking. That's why we offer drive-thru services for quick transactions like deposits and withdrawals without leaving your car. Plus, we have an ATM available for those times when you need cash in a hurry. Our lobby hours are welcoming and flexible: we're open Monday, Wednesday, Thursday, and Friday from 9:00 am to 5:00 pm, and on Tuesdays from 9:30 am to 5:00 pm. We're closed on Saturdays and Sundays to give our hardworking staff a well-deserved break. If you have any questions or need assistance, don't hesitate to reach out! You can call us at 231-894-5608. We invite you to come visit Harborlight today and discover how we can support your financial journey!

Member Eligibility

At Harborlight, we believe that everyone deserves a place to belong, and becoming a member is your first step into our welcoming community. If you live, work, or worship in the areas served by our credit union, you're already on your way to joining us! We also welcome family members of existing members, making it easy for you to invite loved ones into our supportive network. To learn more about who can become a member and the specific eligibility criteria, feel free to check out our detailed information at this link. Joining Harborlight is simple and rewarding. Once you're eligible, opening an account is just a few steps away! You can get started online by visiting this page or give us a call at (231) 894-5608 if you have any questions. We're located at 2151 Cogswell Dr, Whitehall, MI 49461, and we can't wait to welcome you into the Harborlight family!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we offer merchant services that simplify transactions for businesses. Picture a busy retail shop during the holiday season quick and efficient payment processing can make all the difference. Our merchant services ensure your customers have a smooth checkout experience, allowing you to focus on what matters most: serving your customers. Located at 2151 Cogswell Dr Whitehall Mi 49461 in Whitehall, MI, we are here to partner with you on your journey toward success. Reach out today at (231) 894-5608 to learn how we can support your business goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. Imagine a local café that needed funds to purchase new equipment. With our help, they secured the financing they needed to upgrade their kitchen and expand their menu. This not only improved their service but also attracted more customers, boosting their revenue.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer specialized services that include merchant services and various types of business loans. Whether you're just starting out or looking to expand, our team is here to support your financial growth.

Credit Card Rewards

We know how important rewards can be when it comes to spending wisely, which is why we offer credit cards with rewards. These cards not only provide flexibility but also allow you to earn points on every purchase, helping you get more from your everyday spending.

Digital Banking Convenience

In today's fast-paced world, having digital access to your finances is crucial. That's why at Harborlight Cu, we provide comprehensive online and mobile banking solutions that let you manage your accounts anytime, anywhere. From checking balances to making transfers, everything is just a click away. Need cash on the go? Our ATMs and cash withdrawal services are conveniently located for quick access.

Drive-Thru & Shared Branch Services

Our branch also features basic drive-thru banking for quick deposits, withdrawals, and simple transactions. Additionally, if you're a member of a partner credit union, take advantage of our shared branch transactions for deposits and withdrawals without any hassle. At Harborlight, we're committed to making banking easier for you. With a friendly team ready to assist at every turn and all these services available under one roof, we're here for all your financial needs. For more information or assistance, don't hesitate to reach out at (231) 894-5608 or visit us online at https://www.harborlightcu.org/. Join us today and experience the difference at Harborlight, where your financial well-being is our top priority!

Personal Banking Solutions

For those managing their day-to-day finances, our personal banking services offer the essentials you need. We provide checking and savings accounts designed to help you save for your future while giving you easy access to your funds. If you're considering buying a new car or refinancing an existing loan, our auto loans and vehicle financing options are tailored to fit your budget and lifestyle. Thinking about purchasing a home? Our mortgage loans and refinancing services can guide you through the process, ensuring that you find the right plan for your circumstances. Plus, with our personal loans and debt consolidation, we can help streamline your finances and reduce stress.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. You can easily manage your accounts in real-time, ensuring that you're always in the loop about your finances. Plus, with electronic signature authorization, signing documents is as simple as tapping a button no more printing or scanning! If you prefer going paperless, you'll love our e-statements feature. You can receive your statements electronically, helping you stay organized while reducing clutter. And for those on the go, our mobile application makes banking even more convenient. With it, you can make mobile payments, conduct person-to-person transfers, and access all your account features right from your smartphone.

Security and Accessibility

Your security is our top priority. Our online banking systems are built with advanced security measures to protect your information and transactions. You can rest easy knowing that your data is safe while you enjoy the convenience of managing your finances digitally. Whether you're at home or out and about, our digital services ensure that banking is accessible and user-friendly. From quick payments to monitoring transactions, Harborlight is here to support you every step of the way in achieving your financial goals. Explore all our digital offerings today at https://www.harborlightcu.org/ and discover how easy banking can be!

Financial Strength

Dedicated Team

We take pride in having 36 full-time employees ready to assist you whenever needed. Our dedicated team is here to ensure you have the support necessary to navigate your financial journey successfully. Total Share Accounts: 23,027, show a strong and growing member base that trusts us with their finances. This trust fuels our mission to provide exceptional service tailored specifically for you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Harborlight is your trusted partner. Visit us at 2151 Cogswell Dr Whitehall Mi 49461 or call (231) 894-5608 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Savings

Members' savings are secured through $17,836,230 in share certificates and $34,586,469 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize your savings and investment needs by ensuring they are well-managed and secure. Unlike traditional banks, we focus solely on benefiting our members. With non-member deposits at $0, we ensure that our resources are directed toward providing you with better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $14,881,191 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to reinvesting in our community supports not just our financial products but also the overall growth of our credit union. Our lending capacity further supports your financial goals with $1,713 in used auto loans and $104,905,348 in total loans and leases available for various purposes. Our $1,050,913 reflects operational efficiency, which allows us to continue offering competitive loan rates and solid financial products for our members.

Solid Financial Health

With a net worth of $16,052,034, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This impressive figure reflects our commitment to keeping your funds safe while providing valuable financial products tailored to your needs. Our net worth ratio of $1,019 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This stability is crucial for our members as it underscores the reliability you can expect from us.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $19,686,753 in used vehicle loans and $15,614,154 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable pre-owned option, we're here to guide you through the process.

Credit Lines and Personal Loans

We also offer credit lines totaling $29,235,000, providing you with flexible borrowing options when unexpected costs arise or when you want to make larger purchases. Our personal loans are designed for various needs be it debt consolidation or funding special projects ensuring that you have access to cash when you need it most. For more information on how our loan offerings can benefit you or to discuss your specific needs with one of our knowledgeable staff members, please call us at 231-894-5608. We're ready to help you navigate your options! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit our website at Harborlight Cu for more details and resources on all our services!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $11,782,422. We make buying or refinancing simple by offering flexible terms and local expertise. If you're considering refinancing your current mortgage or are unsure about eligibility options, our team can provide insights tailored to your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's where our unsecured credit card loans come into play. With a total of $4,107,885 in unsecured credit card loans already helping members manage their finances effectively, you can access funds without the need for collateral.

Loan Aggregator

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How LendMesh Ensures 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 ensures that users receive fair and transparent offers. By relying on verified institutions, LendMesh guarantees that the loan comparisons are not only accurate but also trustworthy.

HARBORLIGHT CREDIT UNION - Whitehall, MI