Credit union · NCUA insured
HarborLight Credit Union Credit Card Rates
HarborLight Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How HarborLight Credit Union’s credit card rates compare
Compared with banks and credit unions near Muskegon, MI, where HarborLight Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
HarborLight Credit Union
10.90%APR
Visa Platinum
Lowest rate
Muskegon Federal Credit Union
7.90%APR
2nd-lowest rate
Family Financial Credit Union
8.90%APR
HarborLight Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HarborLight 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.
Visa Classic
Member must live, work, worship or attend school in the state of Michigan. Credit limits: $300-$10,000. 25-day grace period on purchases. No cash advance or balance transfer fees. ScoreCard Rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Low fixed rate with no annual fee. Earn points with ScoreCard Rewards. 25-day grace period on purchases. |
Sources (2)
- harborlightcu.org/applications…it-card-application.html
- harborlightcu.org/loans-credit…t/visa-credit-cards.html
All captured Oct 16, 2026
Visa Platinum
Member must live, work, worship or attend school in the state of Michigan. Credit limits: $5,000-$20,000. 25-day grace period on purchases. No cash advance or balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Low fixed rate with no annual fee. 25-day grace period on purchases. |
Sources (2)
- harborlightcu.org/applications…it-card-application.html
- harborlightcu.org/loans-credit…t/visa-credit-cards.html
All captured Oct 16, 2026
Who can join HarborLight Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.