--- title: "Harbor Pointe Credit Union Rates - Minnesota" description: "Current mortgage, auto loan, personal loan, credit card, and savings & cd rates from Harbor Pointe Credit Union in Minnesota. Updated daily with source verification. See who can join Harbor Pointe Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/harbor-pointe" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Harbor Pointe Credit Union Rates - Minnesota ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mortgage** other | — APR | 4.250% | — | Standard | Harbor Pointe Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 3.950% | — | Standard | Harbor Pointe Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 1.550% | — | Standard | Harbor Pointe Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 11.740% | — | Standard | Harbor Pointe Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | — APY | 2.25% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 4.06% | 12 mo | Standard | | **Certificate** cd | — APY | 4.25% | — | Standard | Harbor Pointe Credit Union savings & cd rates as of November 13, 2026 Harbor Pointe Credit Union is a credit union in Minnesota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/harbor-pointe) , verified from [Harbor Pointe Credit Union's official website](https://hpcu.us/) Loading branch locator… ## About Harbor Pointe Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 8K Assets $157.5M Founded 1933 Locations reported 4 NCUA charter 60207 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Minnesota Power Employees** MPECU · Duluth · MN · 55802-2191 About 1.7 miles away](https://rateapi.dev/credit-unions/minnesota/minnesota-power-employees) [**North Shore** Duluth - Lincoln Park · Duluth · MN · 55806-2141 About 1.9 miles away](https://rateapi.dev/credit-unions/minnesota/north-shore) [**Share Advantage** SMDC Branch · Duluth · MN · 55805-1913 About 2.1 miles away](https://rateapi.dev/credit-unions/minnesota/share-advantage) [**Indianhead** SUPERIOR OFFICE · SUPERIOR · WI · 54880 About 3.0 miles away](https://rateapi.dev/credit-unions/wisconsin/indianhead) [**Centricity** Superior Office · Superior · WI · 54880 About 3.0 miles away](https://rateapi.dev/credit-unions/minnesota/centricity) [**Affinity Plus** DULUTH - LAKE SUPERIOR COLLEGE · DULUTH · MN · 55811-3349 About 3.1 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Harbor Pointe Credit Union Membership eligibility from Harbor Pointe Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Harbor Pointe Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Harbor Pointe Credit Union's membership page](https://hpcu.us/resource-center/who-we-are/) . Final membership determination is always made by the credit union. ## Membership rules for Harbor Pointe Credit Union Family 1 published path to membership, last verified August 22, 2026, quoted from Harbor Pointe Credit Union’s own published criteria. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member family member “Do you have a family member who is a current member of Harbor Pointe Credit Union?” > [source ↗](https://hpcu.us/resource-center/who-we-are/) - Family member (family member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Harbor Pointe Credit Union? Yes No ## Work at Harbor Pointe Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Harbor Pointe Credit Union ranks against Minnesota peers. - See which AI assistants fetched Harbor Pointe Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=harbor-pointe&state=minnesota&code=MN&name=Harbor%20Pointe%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Harbor Pointe Credit Union offer? Harbor Pointe Credit Union currently offers mortgage, Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Harbor Pointe Credit Union rates updated? RateAPI verifies Harbor Pointe Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Harbor Pointe Credit Union's rate data? Rate data is collected directly from Harbor Pointe Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Harbor Pointe Credit Union? Harbor Pointe Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for Harbor Pointe Credit Union, each quoted from Harbor Pointe Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Harbor Pointe Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota mortgage rate leaders](https://rateapi.dev/mortgage-rates/minnesota) [Minnesota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://hpcu.us/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Harbor Pointe Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Harbor Pointe Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /harbor-pointe " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Harbor Pointe Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/harbor-pointe Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp