Credit union · NCUA insured
Harbor Pointe Credit Union
Top CarrotA $157.5M credit union headquartered in Duluth, MN, with 8,002 members and 3 branches in Minnesota. Best rates: CDs 4.06% and savings 0.05% APY.
Harbor Pointe Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#1 of 29 in Duluth, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Harbor Pointe Credit Union
Founded in 1933 as Duluth Teachers Credit Union to serve ISD 709 educators and their families, the credit union officially became Harbor Pointe Credit Union in 2017.
The credit union operates three full-service branches serving Saint Louis, Carlton, Lake, and Eastern Itasca counties in Minnesota, as well as Douglas County, Wisconsin.
- Headquarters
- 11 W 2nd St, Duluth, MN 55802-2014
- NCUA charter
- 60207
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in Saint Louis County, Carlton County, Lake County, or East Itasca County in MN, or Douglas County in WI are eligible for membership.
- Individuals who work, worship, volunteer, or attend school in Duluth, Hermantown, or Proctor are eligible for membership.
Family and household
- Individuals who have a family member who is a current member of Harbor Pointe Credit Union are eligible for membership.
Cost to join
- Membership requires a $5.00 deposit into a primary savings account.
Branches
3 branches in Minnesota
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Minnesota
3 branches
- Downtown Main OfficeMain office11 W 2nd St, Duluth, MN 55802Directions
- Kenwood Branch1515 Kenwood Ave Ste 200, Duluth, MN 55811Directions
- Miller Hill Branch4433 Trinity Rd, Duluth, MN 55811Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.63% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.31% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.47% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $96 | $76 | — |
- CapitalNet worth ratio13.63%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.31%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.47%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$96Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Harbor Pointe Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.