Credit union · NCUA insured
Harbor Pointe Credit Union CD Rates
Top CarrotHarbor Pointe Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 5 months to 4 years. Rates checked October 16, 2026.
How Harbor Pointe Credit Union’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Harbor Pointe Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Harbor Pointe Credit Union
4.00%APY
- Term
- 5 months
- Minimum
- $2,500
- Earns on $10,000
- $165
Share Certificates
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Harbor Pointe Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo2.62%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Harbor Pointe Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.00%APY · 7 terms
Membership eligibility required. Insured by NCUA up to $250,000.
| Term | APY · $1,000 – $100,000 | APY · $2,500 – $500,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 5 months5-Month Certificate Special. Dividend pays at maturity. Renews into a 6-month term automatically if not withdrawn within 7-day grace period. Early withdrawal penalty is 90 days loss of interest. Superior Rewards incentives excluded. Max deposit $500,000 per member per certificate special | — | 4.00% | — | — | 4.00% | $165 |
| 6 monthsDividend compounds monthly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 3.04% | — | 3.14% | 3.25% | 3.04%3.14% $100k–$250k3.25% from $250k | $151 |
| 6 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividend compounds monthly. Early withdrawal may result in 180 days loss of interest | 3.55% | — | 3.66% | 3.76% | 3.55%3.66% $100k–$250k3.76% from $250k | $176 |
| 11 months11-Month Certificate Special. Dividend pays at maturity. Renews into a 12-month term automatically if not withdrawn within 7-day grace period. Early withdrawal penalty is 180 days loss of interest. Superior Rewards incentives excluded. Max deposit $500,000 per member per certificate special | — | 4.00% | — | — | 4.00% | $366 |
| 12 monthsDividends compound quarterly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 3.34% | — | 3.45% | 3.55% | 3.34%3.45% $100k–$250k3.55% from $250k | $334 |
| 12 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividends compound quarterly. Early withdrawal may result in 180 days loss of interest | 3.86% | — | 3.96% | 4.06% | 3.86%3.96% $100k–$250k4.06% from $250k | $386 |
| 24 monthsDividends compound quarterly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 2.01% | — | 2.11% | 2.21% | 2.01%2.11% $100k–$250k2.21% from $250k | $406 |
| 24 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividends compound quarterly. Early withdrawal may result in 180 days loss of interest | 2.52% | — | 2.62% | 2.72% | 2.52%2.62% $100k–$250k2.72% from $250k | $510 |
| 36 monthsDividends compound quarterly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 2.06% | — | 2.16% | 2.27% | 2.06%2.16% $100k–$250k2.27% from $250k | $631 |
| 36 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividends compound quarterly. Early withdrawal may result in 180 days loss of interest | 2.57% | — | 2.67% | 2.77% | 2.57%2.67% $100k–$250k2.77% from $250k | $791 |
| 48 monthsDividends compound quarterly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 2.11% | — | 2.21% | 2.32% | 2.11%2.21% $100k–$250k2.32% from $250k | $871 |
| 48 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividends compound quarterly. Early withdrawal may result in 180 days loss of interest | 2.62% | — | 2.72% | 2.83% | 2.62%2.72% $100k–$250k2.83% from $250k | $1,090 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 6 terms
Membership eligibility required. Insured by NCUA up to $250,000.
| Term | APY · $1,000 – $100,000 | APY · $2,500 – $500,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 5 months5-Month Certificate Special available as an IRA CD. Dividend pays at maturity. Renews into a 6-month term automatically if not withdrawn within 7-day grace period. Early withdrawal penalty is 90 days loss of interest. Superior Rewards incentives excluded. Max deposit $500,000 per member per certificate special | — | 4.00% | — | — | 4.00% | $165 |
| 6 monthsDividend compounds monthly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 3.04% | — | 3.14% | 3.25% | 3.04%3.14% $100k–$250k3.25% from $250k | $151 |
| 6 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividend compounds monthly. Early withdrawal may result in 180 days loss of interest | 3.55% | — | 3.66% | 3.76% | 3.55%3.66% $100k–$250k3.76% from $250k | $176 |
| 12 monthsDividends compound quarterly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 3.34% | — | 3.45% | 3.55% | 3.34%3.45% $100k–$250k3.55% from $250k | $334 |
| 12 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividends compound quarterly. Early withdrawal may result in 180 days loss of interest | 3.86% | — | 3.96% | 4.06% | 3.86%3.96% $100k–$250k4.06% from $250k | $386 |
| 24 monthsDividends compound quarterly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 2.01% | — | 2.11% | 2.21% | 2.01%2.11% $100k–$250k2.21% from $250k | $406 |
| 24 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividends compound quarterly. Early withdrawal may result in 180 days loss of interest | 2.52% | — | 2.62% | 2.72% | 2.52%2.62% $100k–$250k2.72% from $250k | $510 |
| 36 monthsDividends compound quarterly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 2.06% | — | 2.16% | 2.27% | 2.06%2.16% $100k–$250k2.27% from $250k | $631 |
| 36 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividends compound quarterly. Early withdrawal may result in 180 days loss of interest | 2.57% | — | 2.67% | 2.77% | 2.57%2.67% $100k–$250k2.77% from $250k | $791 |
| 48 monthsDividends compound quarterly. Early withdrawal may result in 180 days loss of interest. Auto-renews; term may be changed or closed within 7 days without penalty | 2.11% | — | 2.21% | 2.32% | 2.11%2.21% $100k–$250k2.32% from $250k | $871 |
| 48 monthsSuperior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividends compound quarterly. Early withdrawal may result in 180 days loss of interest | 2.62% | — | 2.72% | 2.83% | 2.62%2.72% $100k–$250k2.83% from $250k | $1,090 |
Youth Share Certificates
Up to 3.55%APY · 2 terms
Ages 0–18. A parent or guardian joint relationship is required. Insured by NCUA up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounds quarterly. Early withdrawal may result in 180 days loss of interest | 3.55% | $355 |
| 24 monthsCompounds quarterly. Early withdrawal may result in 180 days loss of interest | 2.01% | $406 |
Sources (1)
- hpcu.us/rates · captured Sep 18, 2026
Who can join Harbor Pointe Credit Union
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.
Membership information collected October 4, 2026.