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Routing #291973687

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Refer a Friend


Share the value of Harbor Pointe Credit Union

Members have been recommending us to their friends and family since 1933 because of our excellent financial services. Now we have added a bonus incentive as our thank you for your referral.

Earn $50 for you and $50 for your friend!*


It’s easy to get started, simply provide the name and email address of the friend or relative you are referring and we will send them an email invite to experience the many benefits of Harbor Pointe Credit Union. Be assured they will only receive one email message from us inviting them to be a member.


Your referral will receive an email which they can mention to us when opening account at any Harbor Pointe Credit Union branch. Or, if they open account online they can put “Referral ” in promo code. When they open a new membership account along with a checking account with direct payroll deposit, or a membership account and a consumer loan, you will both receive $50.00* as our thank you!


Please tell us your name and who you are referring, hit submit and you are done!


Tell us about yourself

Tell us about your referral

Who are you referring?



Harbor Pointe Credit Union membership is open to anyone living in St. Louis, Carlton, Lake, East Itasca MN or Douglas County WI. Applicants must meet eligibility requirements for membership. See How to Join for details.

Must be a member in good standing for at least 6 months with no delinquent loan balance or negative savings or checking balances. Referral must present emailed referral document at time of account opening to qualify for incentive. This offer may not be combined with any other promotional offers.

*Cash will be awarded to both current and new member at time of first direct deposit in new checking account or disbursement of new loan which must happen within 45 days of new account opening to qualify for cash incentive. $50 will be deposited into savings account of both referring (current member) and referred (new member). Cash incentive may be reversed if new account is closed within the first 6 months. Cash award is subject to all applicable taxes, which are the responsibility of the member who may receive a 1099 form. Harbor Pointe Credit Union reserves the right to cap member reward contributions at $200 per household to preserve program integrity and provide multiple households the opportunity to participate. See Member Service Representative for more information.