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Routing #291973687

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Routing #291973687
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Thank you for your interest in Harbor Pointe Credit Union.  We look forward to becoming your exclusive full-service financial institution. Harbor Pointe was founded in 1933 as Duluth Teachers Credit Union to serve the financial needs of ISD709 educators and their families.

Through the years many changes have taken place, including the latest online technology today’s consumers desire as well as a new community charter. A community charter allows anyone living in St. Louis, Carlton, Lake & Eastern Itasca Counties in MN & Douglas County in WI to become members of the credit union. In 2017 the credit union underwent a name change to Harbor Pointe Credit Union. The new name better fits the expanded demographic region the credit union now serves.

Harbor Pointe Credit Union serves members in our region with savings, free checking, investments, consumer loans and mortgage products as well as business financial products. The credit union takes pride in having some of the lowest fees and competitive loan rates in our region.

3 full service locations serve our members and our latest Mobile and Online Banking services keep members connected 24/7 no matter where they live with convenient services including mobile check deposit. $5 deposited into a new savings account is all that is needed to become a credit union member.  Once a member, you have access to all products the credit union offers. From free no minimum balance checking accounts to consumer and mortgage loans. Harbor Pointe has a full service mortgage department that is ready to help you with first time home buyer, bare land, home equity and many other home loan options. If you have questions about Harbor Pointe Credit Union or any of our services offered, feel free to call us at 218-722-9242 or email us at hpcu*AT*


Mission of the Credit Union

Harbor Pointe Credit Union is dedicated to meeting the borrowing, saving, and investment needs of its members by providing the financial services desired.


Vision of the Credit Union

Harbor Pointe Credit Union envisions a future in which proactive responses to rapid changes in technology and the economy will spur the growth of its membership and assets while carefully maintaining fiscally responsible management. With the continuous upgrade of delivery sites and systems, Harbor Pointe will not be limited by time or place. Through promotion and competitive appeal, along with the quality of services. Harbor Pointe will be recognized as a leader in the delivery of comprehensive banking services that meet the needs of its membership.


5 Star Rating

Harbor Pointe Credit Union has proudly received the Bauer Financial Inc. 5-Star Superior rating, making the credit union one of the strongest financial institutions in the nation. Bauer Financial is the nation’s leading bank and credit union rating agency.

5 star ratings