Safe Harbor

PO Box 980, Ludington, MI 49431

NCUA Insured4.2 (98 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Ludington, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 980

Ludington, MI 49431

Google Maps 🗺Waze

(231) 843-2323

Service Area

This credit union is located in Ludington and serves members in the MI area. Currently serving 8,943 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.22%

Used Auto Loan

8.03%

Personal Loan

11.29%

Credit Card APR

12.80%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.2

98 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Ben Korendyke

3 months ago

The whole team at Safe Harbor is great, and they do so many wonderful things to help our community. We have a lot of good banks and CU's in our area but Safe Harbor's service is by far the best I have seen. A special shout out to Jackie who really is so helpful.

Amy trebilcock

4 months ago

Since December 22 I have been waiting for my card and it's been lost in the mail has been lost in the mail and now when I call you finally have figured out what's wrong nobody bothered to call the card company to find out why my car didn't come two times. And now I'm having to wait another 7 to 10 days for a card to show up that's over a month and a half now! Not happy safe harbor not happy at all definitely considering moving my money.

Street Smart

8 months ago

Veronica was quick to help us with our fraud. She handle it quickly and professionally. We are very happy to have confident and knowledgeable employees of Safe Harbor to handle our issues. Thank you, Veronica. We are relieved and thankful for trusting your services !!!! Excellent job !!!!

Sarah Victors

10 months ago

Safe Harbor is the best credit union out there. They are always looking out for my family. Justin helped me and my husband with an auto loan and made everything so easy to understand. We will be back for all our loans as long as he is there!