Credit union · NCUA insured
Harbor Pointe Credit Union Savings Rates
Top CarrotHarbor Pointe Credit Union’s best savings rate is 0.05% APY on $10,000, with its Dream Savings. Rates checked October 16, 2026.
How Harbor Pointe Credit Union’s savings 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
1.50%APY
- Requires
- Monthly account activity
- Minimum
- $2,500
- Earns on $10,000 a year
- $150
Money Market Savings
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Harbor Pointe Credit Union savings score
69
Savings score
Higher than 24% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified1.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
Up to 1.50%APY
Minimum balance of $2,500.00 required. Limited to six electronic debits/withdrawals to third parties per month. Withdrawals allowed in amounts of $250.00 or more as long as account does not drop below $2,500.00 minimum balance. Deposits allowed anytime in increments of $100.00 or more. No fees to open or maintain account. Funds insured up to $250,000 by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $100,000Superior Rewards requires a checking account with 10 debits or more per month OR a checking account with 5 debits per month and a direct deposit of $300 or more each month to the account. Superior Rewards members earn .15% to .25% above posted rates. | 1.50% | $150 | Superior Rewards requires a checking account with 10 debits or more per month OR a checking account with 5 debits per month and a direct deposit of $300 or more each month to the account. Superior Rewards members earn .15% to .25% above posted rates. |
| $2,500 – $100,000 | 1.25% | $125 | |
| $100,000 – $250,000Superior Rewards requires a checking account with 10 debits or more per month OR a checking account with 5 debits per month and a direct deposit of $300 or more each month to the account. Superior Rewards members earn .15% to .25% above posted rates. | 1.75% | — | Superior Rewards requires a checking account with 10 debits or more per month OR a checking account with 5 debits per month and a direct deposit of $300 or more each month to the account. Superior Rewards members earn .15% to .25% above posted rates. |
| $100,000 – $250,000 | 1.50% | — | |
| $250,000 and upSuperior Rewards requires a checking account with 10 debits or more per month OR a checking account with 5 debits per month and a direct deposit of $300 or more each month to the account. Superior Rewards members earn .15% to .25% above posted rates. | 2.25% | — | Superior Rewards requires a checking account with 10 debits or more per month OR a checking account with 5 debits per month and a direct deposit of $300 or more each month to the account. Superior Rewards members earn .15% to .25% above posted rates. |
| $250,000 and up | 2.00% | — |
Dream Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- hpcu.us/rates · captured Sep 18, 2026
Primary Savings
0.05%APY
Membership account requiring a $5.00 initial deposit. Open to residents of St. Louis, Carlton, Lake, or East Itasca County in MN or Douglas County WI. Dividends earned on average daily balance and paid quarterly. No fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned on average daily balance and paid quarterly.Any balance | 0.05% | $5 | Dividends earned on average daily balance and paid quarterly. |
Summer Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- hpcu.us/rates · captured Sep 18, 2026
Special-purpose accounts
Smart Saver
0.05%APY
Designed for youth ages newborn to 12 years. Requires a child's social security number and a parent, grandparent, or guardian joint on the account. $5.00 minimum deposit to open and earn dividend.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000For ages 0–12. 3.00% interest rate / APY paid on balances up to $2,000. $5.00 minimum balance required to earn dividend. | 3.00% | — | For ages 0–12. 3.00% interest rate / APY paid on balances up to $2,000. $5.00 minimum balance required to earn dividend. |
| Over $2,000Any balance over $2,000 earns the current Primary Savings rate. | 0.05% | $5 | Any balance over $2,000 earns the current Primary Savings rate. |
Health Savings
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (1)
- hpcu.us/rates · captured Sep 18, 2026
IRA Savings
0.50%APY
Offers Traditional, Roth, and SEP IRAs. No minimum deposit and no administrative, transfer, or transaction fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit and no administrative, transfer or transaction fees.Any balance | 0.50% | $50 | No minimum deposit and no administrative, transfer or transaction fees. |
Christmas Club Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
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.