Harborlight Credit Union

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A short history of Harborlight CU

Since its inception in 1954 the Harborlight Credit Union has been serving its members in the WHITEHALL, Michigan 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 Linda Hughey, the Harborlight CU has grown its membership to over 10,176 with assets of more than $108,389,936. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (231) 894-5608 or email them at mail@harborlightcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in WHITEHALL, MI.

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

Charter Number 62066
Address 2151 COGSWELL DR 
State Michigan 
Zip-Code 49461
Phone Number (231) 894-5608
Fax Number (231) 894-5530
Email Address: mail@harborlightcu.org
CEO/President Linda Hughey
Members 10,176 
Full-Time Employees 27 
Part-Time Employees
Number of Branch Offices
Total Assets 108,389,936 
Website http://www.harborlightcu.org 

Compare Harborlight Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
West Michigan Postal Service CU Main 800 1st St 49443 (231) 722-3921 No 11.13
Muskegon Co Op CU Laketon Avenue Branch 1920 E Laketon Ave 49442 (231) 773-4244 No 11.43
Lakeshore CU Lakeshore Federal Credit Union 2182 Lakeshore Dr 49441 (231) 755-1202 No 12.01
Muskegon St Joseph CU Main Office 1903 Barclay St 49441 (231) 759-7931 No 12.03
Port City CU Port City Federal Credit Union 460 W Laketon Ave 49441 (231) 725-3312 No 12.12

Harborlight Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Harborlight 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 12.90 3.25 3.25 3.75 5.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 452 174 120 102 317
Rank Among All Michigan Credit Unions 80 50 30 17 70

Harborlight Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.20 0.80 1.00
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 129 114 207 158
Rank Among All Michigan Credit Unions N/A 16 25 46 26
Harborlight Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.9002,2594,257,869
All Other Unsecured Loans/Lines of Credit 13.6701,3472,557,301
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.0001683,953,785
New Vehicle Loans 3.250551,083,619
Used Vehicle Loans 3.2501,19311,620,844
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.75042327,461,688
Total Other Real Estate Loans/Lines of Credit 5.750811,106,005
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 13.4403941,486,526
TOTAL LOANS & LEASES 5,92053,527,637

Harborlight 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 17113,478,602161,742,500
    b. 15 Years or less 25113,849,27413783,000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 1133,8121300,000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 460,32100
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 771,045,6847244,400
Open-End Fixed Rate 0000
TOTALS 50428,567,693373,069,900


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

Harborlight Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
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 Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes