Credit union · NCUA insured
HarborLight Credit Union Savings Rates
HarborLight Credit Union’s best savings rate is 1.75% APY on $10,000, with its High Yield Money Market. Rates checked October 16, 2026.
How HarborLight Credit Union’s savings rates compare
Compared with banks and credit unions near Muskegon, MI, where HarborLight Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HarborLight Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
Kasasa Saver
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Route 31
3.10%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $310
HarborLight Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
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 HarborLight 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.
High Yield Money Market
1.75%APY
Competitive dividends on balances of $2,500 or more; tiered rates where higher balances earn higher rates.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.05% | — |
| $2,500 – $24,999 | 1.75% | $175 |
| $25,000 – $74,999 | 1.85% | — |
| $75,000 – $199,999 | 2.00% | — |
| $200,000 and up | 2.00% | — |
Sources (2)
- harborlightcu.org/accounts/per…-yield-money-market.html
- harborlightcu.org/accounts/per…king/basic-checking.html
All captured Sep 18, 2026
Kasasa Saver
Up to 2.00%APY
Must be paired with either a Free Kasasa Cash Checking account or a Free Kasasa Cash Back account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Qualifying criteria met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle: at least 12 debit card purchases, enrolled in eStatements, and log in to online banking at least once. | 2.00% | $200 | Qualifying criteria met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle: at least 12 debit card purchases, enrolled in eStatements, and log in to online banking at least once. |
| Any balanceBase rate when qualifications are not met in linked Kasasa Cash or Kasasa Cash Back account. | 0.05% | $5 | Base rate when qualifications are not met in linked Kasasa Cash or Kasasa Cash Back account. |
Basic Savings
0.05%APY
All members receive this account to hold their $5 membership fee. 8 free withdrawals per month; $1 fee for withdrawals in excess thereafter.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
Club Accounts
0.05%APY
If balance is withdrawn before scheduled payout, a fee of all accrued, uncredited dividends is imposed and account is closed until after specified date of dispersal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
IRA Shares
0.05%APY
Traditional and Roth IRA options available. $20 annual admin service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
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.