Credit union · NCUA insured
HarborLight Credit Union
A $169.3M credit union headquartered in Whitehall, MI, with 11,537 members and 2 branches in Michigan. Best rates: CDs 3.75% and savings 1.75% APY.
HarborLight Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#7 of 19 in Muskegon, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HarborLight Credit Union
- Headquarters
- 2151 Cogswell Dr, Whitehall, MI 49461
- NCUA charter
- 62066
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in the state of Michigan are eligible for membership.
Employers and groups
- Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership are eligible for membership.
Family and household
- Persons within the immediate family of a member (defined as relatives by blood or marriage, or any individual living under the same roof and in the same household as the member) are eligible for membership.
Other ways
- Any person who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in or belongs to a retirement organization located in the county or a contiguous county where the credit union's main office or a branch is located, is eligible for membership.
Cost to join
- Membership requires opening a Basic Savings account with a deposit of $5 or more.
Branches
2 branches in Michigan
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Michigan
2 branches
- HarborLight CUMain office2151 Cogswell Dr, Whitehall, MI 49461Directions
- HarborLIght CU 0032710 Holton Whitehall Road, Whitehall, MI 49461Directions
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 | 11.32% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.35% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.09% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio11.32%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.35%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.09%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ 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 HarborLight Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.