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High Dividends
Free Kasasa Cash® Checking
Fees
Free
Best For
Higher Balances
Features
- 5.00% APY* on balances up to $10,000
- 5.0% to 0.59% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
Monthly Maintenance Fee
$0
Free ATMs?
Unlimited refunds on ATM withdrawal fees, nationwide*
Free online banking with bill pay?
Yes
Free debit card?
Yes
Minimum Opening Deposit
$0
Cash Back
Free Kasasa Cash Back® Checking
Fees
Free
Best For
Debit Card Transactions
Features
- 4.50% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $200 in purchases monthly
- Earn up to $108 cash back per year, $9.00 per month
Monthly Maintenance Fee
$0
Free ATMs?
Unlimited refunds on ATM withdrawal fees, nationwide*
Free online banking with bill pay?
Yes
Free debit card?
Yes
Minimum Opening Deposit
$0
Simplicity
Basic Checking
Fees
Free
Best For
Budgeting & Control
Features
- No monthly service charges
- No minimum balance requirements
- Starter pack is free (contains 85 checks)
Monthly Maintenance Fee
$0
Free ATMs?
Nationwide surcharge-free ATMs via the CO-OP Network
Free online banking with bill pay?
Yes
Free debit card?
Yes
Minimum Opening Deposit
$0
Free Kasasa Cash Checking:
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based, signature based debit card purchases debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1)business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, balances up to $10,000 receive APY of 5.00%; and balances over $10,000 earn 0.15% interest rate on the portion of balance over $10,000, resulting in a range from 0.45% to 5.00% APY depending on the account's balance. You will receive unlimited reimbursements (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 08/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly 12 debit card purchases must post & settle; enrollment in online banking and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account's qualifications. Limit 1account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Free Kasasa Cash Back Checking:
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based, signature based debit card purchases debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1)business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 4.50% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. You will also receive unlimited reimbursements (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly 12 debit card purchases must post & settle, enrollment in online banking and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Competitive Dividends
Basic Savings
Fees
Free
Best For
Competitive Dividends
Features
- Competitive dividends on balances of $50 or more
- 8 free withdrawals per month; $1 fee for withdrawals in excess thereafter
Monthly Maintenance Fee
$0
Free digital banking?
Yes
Minimum Opening Deposit
$5
High Dividends
Free Kasasa Saver® Checking
Fees
Free
Best For
Higher Balances
Features
- 2.00% APY* on balances up to $10,000
- 2.00% to 0.32% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
Monthly Maintenance Fee
$0
Free digital banking?
Yes
Minimum Opening Deposit
$0
Special Occasions
Club Accounts
Fees
Free
Best For
Saving for Special Occasions
Features
- Competitive dividends on entire balance
- Christmas Club Account disburses on or after October 1st
- Vacation Club Account disburses on or after June 1st
Monthly Maintenance Fee
$0
Free digital banking?
Yes
Minimum Opening Deposit
$0
Free Kasasa Saver:
*Qualifications Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by HarborLight Credit Union as ATM transactions and purchases made with non-HarborLight Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account on the last day of the statement cycle:
- Kasasa Saver: Balances up to $5,000 receive APY of 1.00%; and balances over $5,000 earn 0.15% interest rate on the portion of balance over $5,000, resulting in a range from 0.15% to 1.00% APY depending on the account’s balance.
- Kasasa Cash: Balances up to $5,000 receive APY* of 2.75%; and balances over $5,000 earn 0.15% interest rate on the portion of balance over $5,000, resulting in a range from 0.15% to 2.75% APY depending on the account’s balance.
- Kasasa Cash Back: 2.75% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.25 cash back may be earned per Monthly Qualification Cycle.When Kasasa Saver, Cash, Cash Back qualifications are not met,
- Kasasa Saver: All balances earn 0.05% APY.
- Kasasa Cash: All balances earn 0.05% APY*.
- Kasasa Cash Back: No cash back payments are made.When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account the day after being credited to your Kasasa Cash account. Consequently, when linked to Kasasa Saver, and your Kasasa Cash qualifications are met, balances up to $5,000 in your Kasasa Cash account receive a non-compounding APY of 0.50%; and balances over $5,000 earn 0.15% interest rate on the portion of the balance over $5,000, resulting in a non-compounding range from 0.15% to 0.50% APY depending on the account’s balance.The Kasasa Saver APYs may be less than the Kasasa Cash APYs. APY = Annual Percentage Yield. APY’s accurate as of 04/20/2015. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one (1) account per social security number. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact a HarborLight Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.
Club Accounts:
1If you withdraw any of your club account balance at any time before the scheduled payout, we will impose a fee of all accrued, uncredited dividends on the account and your club account will be closed. If closed these accounts are not eligible to be reopened until after the specified date of dispersal.
View All Accounts
Get a quick glance at what our credit union has to offer.
Basic Checking
The classic option of spending accounts — easy, efficient, and everything you need in one simple checking account.
- Basic account to manage daily expenses
- No monthly service charges
- No minimum balance requirements
Free Kasasa Cash Checking
The rewards driven spending account — built to make sure you always have high earning potential.
- Earn high dividends when monthly qualifications are met*
- No monthly maintenance fees
- No minimum balance to earn rewards
Free Kasasa Cash Back Checking
The spending account that pays you back — every time you use your debit card and meet monthly qualifications.*
- Earn cash back on everyday debit card purchases
- No monthly maintenance fees
- No minimum balance to earn rewards
Business Checking
A straightforward business spending account — built to support daily operations.
- Manage everyday business expenses
- No monthly service charges
- No minimum deposit to open
High Yield Money Market
If you maintain a higher savings balance, use your high balance for higher earnings and maintain easy access to funds.
- Higher balance earns higher returns
- Unlimited in-person withdrawals or by mail
- $2,500 minimum deposit to open
Free Kasasa Saver
Pair this account with a Kasasa® Checking account and help your money grow faster.
- Earn high dividends when monthly qualifications are met
- No monthly maintenance fees
- Easy access to your savings
Basic Savings
A simple savings options — perfect for those starting to build strong, healthy savings habits.
- Basic savings account for short- or long-term goals
- No monthly service charges
- $5 minimum balance to open
Club Accounts
Ideal for holidays, vacations, and other special expenses, the Club Account is perfect for staying goal-focused.
- Set aside money for specific goals
- No monthly service charges
- No minimum deposit to open
Youth Savings
Built to teach smart money habits early, our youth savings accounts help young members get a smarter start to savings.
- Accounts for children and teens
- No monthly service charges
- $5 minimum deposit to open
Health Savings Account (HSA)
Make the most of your healthcare management and expenses with a dedicated account.
- Make tax-free contributions to build your balance1
- Earn interest above standard savings
- Easy access to funds when you need them most
Individual Retirement Accounts (IRA)
Take a confident step toward your future by setting up an account that's dedicated to saving for retirement.
- Tax-advantaged savings to help you prepare for retirement1
- No monthly maintenance fees
- $5 minimum deposit to open
Business Savings
A smart savings option for your business — designed to support future growth.
- Earn interest on business reserves
- Basic Savings, Money Market, and CDs available
- Manage your savings with digital banking


