Harborlight

2151 COGSWELL DR, Whitehall, MI 49461

NCUA Insured4.0 (67 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

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 Whitehall, 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 1954

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

2151 COGSWELL DR

Whitehall, MI 49461

Google Maps 🗺Waze

(231) 894-5608

Service Area

This credit union is located in Whitehall and serves members in the MI area. Currently serving 11,504 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

6.51%

Used Auto Loan

8.29%

Personal Loan

12.21%

Credit Card APR

10.10%

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(2 total)

Member Reviews

4.0

67 Google reviews

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

View on Google Maps

Curtis Bolt

8 years ago

A Good Credit Union to have an account at. It is conveniently located south of Whitehall, Michigan. They have opened a second location that is conveniently located just off US 31 also. They have a wide range of banking products to offer. They have a program to reward you for using your debit card that will give you a credit on Google Play or iTunes purchases as we.

Camille Albrecht

11 months ago

My husband and I have been members of Harbor Light Credit Union for over 30 years. We've always been impressed with their high standards of customer service, educational programs offered, quick responses, help when needed, and highly competitive (good!) rates. We wouldn't be members of any other credit union or bank. These guys are great!

Chris Huber

a year ago

I’m not sure which Harbor Light branch she works at, but I want to give a shout-out to Kimberly, who I believe is a loan officer. She was incredibly helpful and went above and beyond to assist us. Thank you, Kimberly, for your outstanding service!

E'Lexus Malenfant

a year ago

Don't go here. The branch in Whitehall is okay but the main branch won't even treat you like a person if you don't have a matching Stanley cup. As far as member services I've had only bad experiences going as far as people LYING to me. Not a very trustworthy staff, as I could go on I just will leave it at don't go here.