Credit union · NCUA insured
Harbor Pointe Credit Union Credit Card Rates
Top CarrotHarbor Pointe Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Harbor Pointe Credit Union’s credit card rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Harbor Pointe Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Harbor Pointe Credit Union
11.74%APR
- Up to
- 15.74% APR
Premier Black Visa Card
Lowest rate
Minnesota Power Employee Credit Union
7.90%APR
- Up to
- 15.90% APR
2nd-lowest rate
North Star Credit Union
7.90%APR
- Up to
- —
Harbor Pointe Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Harbor Pointe Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic Visa with Rewards
Requires an active checking account for ScoreCard Rewards. Rate is variable based on credit score (14.25%, 15.50%, 17.00% or 17.99%). 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.25%–17.99% | None | Rate determined by credit score (14.25%, 15.50%, 17.00% or 17.99%). Requires an active checking account. No balance transfer fee. 25-day grace period. |
Sources (3)
All captured Oct 7, 2026
Premier Black Visa Card
Rate is variable based on credit score (11.74%, 12.74%, 14.24% or 15.74%). 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–15.74% | None | Rate determined by credit score (11.74%, 12.74%, 14.24% or 15.74%). No balance transfer fee. 25-day grace period. |
Sources (3)
All captured Oct 7, 2026
Share Secured Student Visa Card
Students 18 and older. Shares rates with Premier or Rewards cards. No credit check required. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.25%–17.99% | None | Shares rate tier with Classic Rewards card; students 18+. No balance transfer fee. 25-day grace period. |
Sources (1)
- hpcu.us/credit-cards/classic-r…-visa-premier-black-visa · captured Oct 7, 2026
Share Secured Visa Card
Shares rates with Premier or Rewards cards. No credit check required. Funds must be frozen in savings account matching credit line. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.25%–17.99% | None | Shares rate tier with Classic Rewards card. No balance transfer fee. 25-day grace period. |
Sources (1)
- hpcu.us/credit-cards/classic-r…-visa-premier-black-visa · captured Oct 7, 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.