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Certificates

Harbor Pointe Credit Union offers many choices when investing in certificates.
We offer terms as little as 6 months up to 48 months.
Rates are tiered based on how much money you use to open.

Superior Rewards Members receive an extra .50% above our current certificate rates.

 

PLEASE NOTE: To assure you receive our highest rate on certificates we base our rates on cumulative certificates in your account plus the amount of the new certificate to help you reach the highest tiered rate we offer. Call 218-722-9242 if you would like a quote on your best rate.

 

Check out our new Dream Builder Certificate the easy way for anyone to save!

We also offer IRA Certificates with the same rates and terms.

 

6 Month Certificates and IRA Certificates

Certificate Balance Yield Superior Rewards
$1,000.00-$24,999.00 0.10% 0.60%
$25,000.00-$74,999.00 0.15% 0.65%
$75,000.00+ 0.20% 0.70%

 

12 Month Certificates and IRA Certificates

Certificate Balance Yield Superior Rewards
$1,000.00-$24,999.00 0.25% 0.75%
$25,000.00-$74,999.00 0.35% 0.85%
$75,000.00+ 0.45% 0.95%

 

24 Month Certificates and IRA Certificates

Certificate Balance Yield Superior Rewards
$1,000.00-$24,999.00 0.30% 0.80%
$25,000.00-$74,999.00 0.40% 0.90%
$75,000.00+ 0.50% 1.00%

 

36 Month Certificates and IRA Certificates

Certificate Balance Yield Superior Rewards
$1,000.00-$24,999.00 0.35% 0.85%
$25,000.00-$74,999.00 0.45% 0.95%
$75,000.00+ 0.55% 1.05%

 

48 Month Certificates and IRA Certificates

Certificate Balance Yield Superior Rewards
$1,000.00-$24,999.00 0.40% 0.90%
$25,000.00-$74,999.00 0.50% 1.00%
$75,000.00+ 0.60% 1.10%

 

Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.

Penalty for early withdrawal is 180 days loss of interest on all certificates.