Harborlight Credit Union Whitehall MI | Best Auto Loans & Business Banking

Introduction

At Harborlight, we believe in the power of community and the strength of relationships. Nestled at 2710 Holton Whitehall Road, Whitehall, MI 49461, our credit union has been serving members since 1954. With a commitment to your financial well-being, we're here to provide personalized banking solutions that fit your unique needs. While members can visit us at our branch location, official correspondence should be sent to 2151 Cogswell Drive, Whitehall, MI 49461-1848. Our dedicated team is proud to serve over 11,500 members, offering a range of services from checking and savings accounts to auto loans and mortgages. With total assets exceeding $157 million and deposits amounting to $15,690,984, we are equipped to support our community with robust financial resources. Under the leadership of our CEO, Justin Bamford, and Board President, Lee Andrews, we prioritize transparency and member satisfaction. Our net worth stands at an impressive $16,052,034, showcasing our solid foundation and commitment to financial health. We also ensure that your funds are safe with us; currently holding over $1.4 million in cash on hand. Whether you're looking for a new vehicle or planning for future investments, we have nearly 7,552 loans and leases available to help you achieve your goals. Our team of 36 employees is here for you from 10:00 AM to 6:00 PM Monday through Friday. You can reach us at 231-894-5608 for any inquiries or assistance. We invite you to visit our website at Harborlight Credit Union for more information on how we can help you today. Join us in building a brighter financial future together!

Branch History & Mission

Community-Centric Services

Harborlight embraces modern advancements while remaining grounded in traditional values. We offer online and mobile banking services for your convenience, along with access to ATMs and drive-thru banking. Our branch is also ADA compliant, ensuring that everyone can access our services without barriers. We are proud to operate as a shared service center, allowing us to collaborate with partner credit unions to provide even more comprehensive service options for our members. Whether you need assistance with deposits or withdrawals, we're here for you every step of the way. Join us at Harborlight and experience the difference a member-focused credit union can make in your life! Your journey towards better financial health starts here. For more information about becoming a member or the services we offer, visit us at harborlightcu.org or call us at 231-894-5608 today!

Our Mission

The mission of Harborlight is simple yet powerful: to enhance the quality of life for our members and the community by offering a range of financial services designed with their needs in mind. We believe in creating a supportive environment where everyone can thrive financially. From personal banking options like checking and savings accounts to auto loans and mortgages, we strive to make banking accessible and straightforward. Our commitment extends beyond just financial transactions. We actively engage with our community through various outreach programs and partnerships aimed at fostering growth and support. We know that when our community flourishes, so do we as a credit union.

Branch Location & Accessibility

Convenient Access and Features

At Harborlight, we understand the importance of convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking to make your visit smooth and hassle-free. For those who prefer banking on the go, we offer a drive-thru service for quick transactions like deposits and withdrawals without leaving your vehicle. Our operating hours are set to fit into your busy schedule join us Monday through Friday from 10:00 AM to 6:00 PM. Whether you're coming in early or stopping by after work, we're here to assist you.

Services Tailored for You

In addition to traditional banking services such as checking and savings accounts, we also provide a variety of loan options including auto loans and mortgage refinancing. With ATM availability right at our branch, accessing cash is simple whenever you need it. Plus, as a member of Harborlight, you can take advantage of shared branch transactions if you're part of a partner credit union. If you have any questions or need assistance, don't hesitate to reach out! Call us at 231-894-5608. We invite you to come see us at Harborlight where your financial needs meet friendly service!

Member Eligibility

Joining Harborlight feels like becoming part of a close-knit community where you can thrive financially. To become a member, you simply need to meet a few friendly eligibility criteria, which mainly include living, working, or worshiping in the local area. We believe that everyone deserves access to quality financial services, and that's why we strive to make membership open and welcoming to all who fit within our community guidelines. For the latest details on what it takes to join us at Harborlight, feel free to check out our eligibility page at https://www.harborlightcu.org/about-us/become-a-member.html. Once you're ready to take the next step, opening an account is quick and easy! You can find all the information you need about starting your membership journey at https://www.loanliner.com/loanrequest/presenter/loanlist/02113652/2419?isframed=f&cuid=02113652&loanlistid=2419&channelid=0028155719144103205&locationid=7921597702347191630. If you have any questions or need assistance, don't hesitate to reach out to us at (231) 894-5608. We're here to help you every step of the way as you start enjoying the many benefits that come with being a member of Harborlight, located conveniently at 2710 Holton Whitehall Road Whitehall Mi 49461.

Business Banking & Commercial Services

Merchant Services That Empower

In addition to loans, we offer comprehensive merchant services designed to streamline your operations. Imagine easily processing payments from customers while gaining access to detailed sales reports all within a secure platform. Our services allow you to focus on what matters most: growing your business. Located at 2710 Holton Whitehall Road Whitehall Mi 49461 in Whitehall, MI, our dedicated team is here to partner with you on your journey toward success. Contact us at (231) 894-5608 during our operating hours of 10:00 AM to 6:00 PM, Monday through Friday, and discover how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Cash Services

Need cash quickly? Our ATM services allow for easy withdrawals and balance checks whenever you need them. Plus, with basic drive-thru banking options available for simple transactions like deposits and withdrawals, accessing your funds has never been more straightforward.

Business Banking Services

For entrepreneurs, Harborlight offers robust business banking solutions including merchant services and business loans. We understand that running a business requires financial agility, which is why we strive to provide services that empower local businesses to thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we've invested in comprehensive online and mobile banking solutions. With features like mobile payments and person-to-person transfers, managing your money is easier than ever whether you're at home or on the go.

Credit Cards and Loans

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can provide the financial relief you need when it matters most. Plus, with our credit cards featuring rewards programs, you can earn points on your everyday purchases while enjoying competitive rates.

Personal Banking Solutions

We know that everyone has different banking needs. That's why our personal banking options include checking and savings accounts tailored to fit your lifestyle. If you're considering purchasing a new car, our auto loans and vehicle financing make it easy and affordable to get behind the wheel. For those dreaming of homeownership, we offer mortgage loans and refinancing options that can help turn that dream into reality.

Shared Branch Transactions

As part of our commitment to service, we also offer shared branch transactions for partner credit union members. This means even if you're away from our main location, you can still access essential banking services easily. At Harborlight, we are not just a credit union; we're your financial partner dedicated to making your life easier through exceptional service and resources tailored just for you. If you have any questions or need assistance with any of our services, please don't hesitate to reach out by calling us at 231-894-5608. Explore more about what we offer by visiting our website today!

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can also enjoy the ease of electronic statements with Yes. This feature not only helps you stay organized but also reduces paper clutter while keeping your information secure. For those who prefer mobile banking, our user-friendly mobile application makes it easy to manage your accounts right from your smartphone. You can make quick payments using our mobile payments feature, ensuring that transactions are just a tap away. Plus, if you need to send money to friends or family, our person-to-person transfer service allows for hassle-free transactions without the need for cash.

Security and Accessibility

Security is our top priority at Harborlight. We use advanced encryption technology to protect your personal information while making transactions online. Additionally, with electronic signature authorization available through Yes, signing documents has never been simpler or more secure. At Harborlight, we believe in empowering our members with real-time account management tools that are accessible whenever needed. Whether you're at home or out and about, staying on top of your finances is just a click or a tap away. Join us today and experience the benefits of modern banking with Harborlight!

Financial Strength

A Growing Member Base

Our commitment is evident as we manage a total of 23,027 share and deposit accounts. This shows a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $454,684, which further emphasizes our capacity to support your needs. In summary, 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 2710 Holton Whitehall Road Whitehall Mi 49461 or call (231) 894-5608 to learn more about how we can help you achieve your financial goals.

Efficient Operations

Our $1,050,913 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 36 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings Options

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. 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.

Reinvestment for Better Services

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. Our lending capacity supports your financial goals across various sectors with $1,713 in used auto loans and $104,905,348 in total loans and leases.

Strong Net Worth

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. 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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 ease. Whether you're looking for a brand-new model or a reliable used car, our auto loans are structured to help you drive away satisfied.

Credit Lines

If you prefer having access to funds as needed, consider our credit lines with a total amount available of $29,235,000. This option provides flexibility for unexpected expenses or planned purchases without needing to reapply each time. For those interested in refinancing options or eligibility questions regarding any of our loan products, we encourage you to reach out. Our dedicated staff at Harborlight is ready to assist you in exploring all available options. To learn more about our loan offerings or start your application process today, feel free to contact us at (231) 894-5608 or visit us at 2710 Holton Whitehall Road Whitehall Mi 49461, Whitehall, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey toward better financial health begins here!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $11,782,422, making it easier for you to invest in your future. Our team is here to guide you through every step of the mortgage process and ensure you find the right solution for your needs.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $4,107,885 in unsecured credit card loans available, our cards can help members manage their finances effectively while earning rewards along the way. Enjoy peace of mind knowing that you have access to funds when you need them.

Loan Aggregator

Accurate Comparisons

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Benefits of Using LendMesh

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Harborlight