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Share Certificates / IRA Certificate Rates

Harbor Pointe Credit Union offers many choices when investing in certificates. We offer terms from 6 months up to 48 months.
To assure you receive the 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.

Make saving for a certificate easy with a Dream Builder Certificate, the easy way for anyone to save! Details

Superior Rewards Members3 receive an extra 1.00% above our current certificate rates.

6 Month Share Certificate and IRA Certificate *

Superior Rewards 3
Certificate Balance APR 1   APY 2   APR 1 APY 2
$1,000.00-$9,999.99  0.35% 0.35% 1.35% 1.36%
$10,000.00-$24,999.99  0.40% 0.40% 1.40% 1.41%
$25,000.00-$49,999.99  0.45% 0.45% 1.45% 1.46%
$50,000.00-$99,999.99  0.50% 0.50% 1.50% 1.51%
$100,000.00-$249,999.99  0.55% 0.55% 1.55% 1.56%
$250,000+  0.60% 0.60% 1.60% 1.61%

 

12 Month IRA Certificate Special going on now thru April 15! Details

 

12 Month Share Certificate and IRA Certificate *

Superior Rewards 3
Certificate Balance APR 1   APY 2   APR 1 APY 2
$1,000.00-$9,999.99 0.60% 0.60% 1.60% 1.61%
$10,000.00-$24,999.99 0.70% 0.70% 1.70% 1.71%
$25,000.00-$49,999.99 0.80% 0.80% 1.80% 1.81%
$50,000.00-$99,999.99 0.90% 0.90% 1.90% 1.91%
$100,000.00-$249,999.99 1.00% 1.00% 2.00% 2.02%
$250,000+ 1.10% 1.10% 2.10% 2.12%

 

24 Month Share Certificate and IRA Certificate *

Superior Rewards 3
Certificate Balance APR 1   APY 2   APR 1 APY 2
$1,000.00-$9,999.99 0.65% 0.65% 1.65% 1.66%
$10,000.00-$24,999.99 0.75% 0.75% 1.75% 1.76%
$25,000.00-$49,999.99 0.85% 0.85% 1.85% 1.86%
$50,000.00-$99,999.99 0.95% 0.95% 1.95% 1.97%
$100,000.00-$249,999.99 1.05% 1.05% 2.05% 2.07%
$250,000+ 1.15% 1.16% 2.15% 2.17%

 

36 Month Share Certificate and IRA Certificate *

Superior Rewards 3
Certificate Balance APR 1   APY 2   APR 1 APY 2
$1,000.00-$9,999.99 0.70% 0.70% 1.70% 1.71%
$10,000.00-$24,999.99 0.80% 0.80% 1.80% 1.81%
$25,000.00-$49,999.99 0.90% 0.90% 1.90% 1.91%
$50,000.00-$99,999.99 1.00% 1.00% 2.00% 2.02%
$100,000.00-$249,999.99 1.10% 1.10% 2.10% 2.12%
$250,000+ 1.20% 1.21% 2.20% 2.22%

 

48 Month Share Certificate and IRA Certificate *

Superior Rewards 3
Certificate Balance APR 1   APY 2   APR 1 APY 2
$1,000.00-$9,999.99 0.75% 0.75% 1.75% 1.76%
$10,000.00-$24,999.99 0.85% 0.85% 1.85% 1.86%
$25,000.00-$49,999.99 0.95% 0.95% 1.95% 1.96%
$50,000.00-$99,999.99 1.05% 1.05% 2.05% 2.07%
$100,000.00-$249,999.99 1.15% 1.16% 2.15% 2.17%
$250,000+ 1.25% 1.26% 2.25% 2.27%

 

1 APR = Annual Percentage Rate 

2 APY = Annual Percentage Yield, a penalty of 180 days loss of interest will or may be imposed for early withdrawal on all certificates. Fees could reduce earnings on account. $1,000 minimum deposit required.

3 Superior Rewards certificate rates require a checking account with 10 debits or more per month OR checking account with 5 debits per month and a direct deposit to checking of $300 or more each month.

A penalty of 180 days loss of interest will or may be imposed for early withdrawal on all certificates. Fees could reduce earnings on account. $1,000 minimum deposit required.

The Annual Percentage Yield is accurate as of July 18th, 2019 and is subject to change.

* 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.