Q&A
Click on a question below to see the answer to our most commonly asked questions:
Q: How do I apply for employment?
A: Send resume to: Harbor Pointe Credit Union Attn: HR Department 11 West 2nd Street Duluth, MN 55802 email to hr@hpcu.us or fax to 218-722-4516.
Q: My child is not a credit union member. Can he/she still apply for a Harbor Pointe Credit Union scholarship?
A: Upon turning their scholarship application in to the credit union the child would need to open a savings account with a minimum $5 balance. All recipients of Harbor Pointe Credit Union scholarships must be credit union members.
Q: How can I apply for a loan?
A: Apply online at hpcu.us and select Apply for a Loan at the top of the home page, apply in person at any credit union location, or apply over the phone at 218-722-9242.
Q: What do I do if I cannot get my checkbook to balance? Do you have someone to help me?
A: You can bring your checkbook to the credit union and have a Member Service Representative look at it. There is a fee for this service. Please see our online fee schedule.
Q: What is Regulation E?
A: Reg E prohibits a financial instituiton from overdrawing your account and charging a fee for ATM transactions or one-time debit card transactions, unless you request to “opt-in” to this service. Your Responsibilities: OPT-IN or OPT-OUT
Regulation E allows you, as the consumer, to have the choice to opt-in or opt-out of overdrawing your account for ATM and one-time debit card transactions. Should you choose to opt-out, your transactions using an ATM or one-time debit card purchase will be declined when you have insufficient funds on deposit to cover the item. If you choose to Opt-In, we’ll make every effort to cover your transactions when you are running short of funds, however, there will be a fee associated with that service.