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About Harbor Pointe Credit Union

Welcome to Harbor Pointe Credit Union

Thank you for your interest in Harbor Pointe Credit Union.  We look forward to becoming your exclusive full-service financial institution. Harbor Pointe was founded in 1933 as Duluth Teachers Credit Union to serve the financial needs of  ISD709 educators and their families.

Through the years many changes have taken place, including the latest technology todays consumers desire as well as a new community charter. A community charter allows anyone living in South St. Louis, Carlton or Douglas Counties, or Two Harbors to be eligible to become members of the credit union. In 2017 the credit union underwent a name change to Harbor Pointe Credit Union.  The new name better fits the demographic region the credit union now serves.

Harbor Pointe Credit Union serves members in our region with savings, checking, investments, consumer loans and mortgage products as well as business financial products. The credit union takes pride in having some of the lowest fees and competitive loan rates in our region.

Three full service locations serve our members. $5 deposited into a new savings account Is all that is needed to become a credit union member.  Once a member, you have access to all products the credit union offers, from free no minimum balance checking accounts to consumer and mortgage loans. Harbor Pointe has a full service mortgage department that is ready to help you with your land, new construction or home loan. If you have questions about Harbor Pointe Credit Union or any of services offered, feel free to call us at 218-722-9242 or email us at

About Membership

Join Today, Belong For Life

Harbor Pointe Credit Union membership is open to:

  • Anyone living in South St. Louis County, Carlton County, Douglas County or Two Harbors
  • Anyone that works, worships or attends school in Duluth, Hermantown or Proctor
  • Family members of current Harbor Pointe Credit Union members

Once you become a Harbor Pointe Credit Union member, you are a member for life, no matter where you live or work.

Why Choose Harbor Pointe Credit Union
  • Our services are built around your needs.
  • You are a member /co-owner and we take pride in getting to know you as an individual and not an account number.
  • We are a not-for-profit institution. You benefit from our success with better rates on loans and less fees.
Mission of the Credit Union

Harbor Pointe Credit Union is dedicated to meeting the borrowing, saving, and investment needs of its members by providing the financial services desired.

Vision of the Credit Union

Harbor Pointe Credit Union envisions a future in which proactive responses to rapid changes in technology and the economy will spur the growth of its membership and assets while carefully maintaining fiscally responsible management. With the continuous upgrade of delivery sites and systems, Harbor Pointe will not be limited by time or place. Through promotion and competitive appeal, along with the quality of services ,Harobr Pointe will be recognized as a leader in the delivery of comprehensive banking services that meet the needs of its membership.