Harbor Pointe Credit Union

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A short history of Harbor Pointe CU

Since its inception in 1933 the Harbor Pointe Credit Union has been serving its members in the DULUTH, Minnesota area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Rick Lappi, the Harbor Pointe CU has grown its membership to over 8,004 with assets of more than $108,685,715. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (218) 722-9242 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in DULUTH, MN.

General Information For Harbor Pointe CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 60207
Address 11 W 2ND ST, PO BOX 161558 
State Minnesota 
Zip-Code 55816
Phone Number (218) 722-9242
Fax Number (218) 722-4516
Email Address: none
CEO/President Rick Lappi
Members 8,004 
Full-Time Employees 23 
Part-Time Employees
Number of Branch Offices
Total Assets 108,685,715 
Website http://www.hpcu.us 

Compare Harbor Pointe Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Duluth Fire Department CU DFDCU 602 W 2nd St 55802 (218) 723-8357 No 0.08
Minnesota Power Employees CU MPECU Branch 4908 Miller Trunk Hwy 55802 (218) 336-1800 No 0.42
Duluth Police Department Employees CU Duluth Police Department Employees Credit Union 2030 N Arlington Ave 55811 (218) 730-5140 No 2.61
Northern Communities CU Virginia 800 S 16th Ave 55792 (218) 741-8155 No 2.98
Share Advantage CU Share Advantage Credit Union Main Office 2502 Maple Grove Rd 55811 (218) 740-2221 No 3.55

Harbor Pointe Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Harbor Pointe Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.25 2.99 2.99 3.54 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 178 145 91 76 168
Rank Among All Minnesota Credit Unions 16 27 13 10 17

Harbor Pointe Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.20 0.75 0.75
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 114 215 192
Rank Among All Minnesota Credit Unions N/A 22 20 22 15
Harbor Pointe Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.2502,5842,689,258
All Other Unsecured Loans/Lines of Credit 9.730402821,817
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.9901051,758,075
Used Vehicle Loans 2.9901,26211,185,171
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.54046237,253,697
Total Other Real Estate Loans/Lines of Credit 4.5003988,954,473
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.9901,13111,900,298
TOTAL LOANS & LEASES 6,34474,562,789

Harbor Pointe Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 27315,708,128605,384,912
    a. > 15 years 515,944,3126834,320
    b. 15 Years or less 10613,011,220162,086,000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 322,590,03700


Closed-End Fixed Rate 1331,304,26518457,753
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2637,197,451291,355,656
Open-End Fixed Rate 2452,7571265,321
TOTALS 86046,208,17013010,383,962


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 6290,30679,752
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Harbor Pointe Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes