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How to Join Harbor Pointe Credit Union

Become a Member of Harbor Pointe Credit Union
Become a member of Harbor Pointe Credit Union
Let's get started by finding out if you are eligible.


Do you live or work in Saint Louis County, Carlton County, Lake County,  East Itasca County or Douglas County?


Do you have a family member who is a current member of Harbor Pointe Credit Union?


Do you work, worship, or attend school in Duluth, Hermantown, or Proctor?

Congratulations! You are eligible for membership at Harbor Pointe Credit Union.

Join Now »

You may still be eligible for membership. Please contact a Member Service Representative at 218-722-9242 for further assistance.


Procedures for opening a new account:

  • As you open your new account we will need to verify your identity in order to comply with federal regulations including the Patriot Act.  Along with simple details like your name, birthday and social security number, we will need your valid government ID (such as drivers license with current address or passport), and one other form of ID. If you have moved and don’t yet have your new address a utility bill or rental agreement with your current address will be needed for verification.
  • A child’s account only requires a social security number and a parent or guardian joint on the account.
  • A $5.00 deposit is all that is needed to open your new primary savings account. With this account opened you are now eligible for all Harbor Pointe services. 
  • Once you have opened your new account, our handy Switch Kit makes it easy to update your direct deposit information with your employer and to close your old account(s).


You may join online here or, you may stop by any branch location and open your new account in person.

Join HPCU Today *RARROW*


Patriot Act: Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.