Build your future with flexible, tax-smart retirement account.
IRAs let you save steadily for the future with favorable rates and a simple structure that works for your goals.
Benefits of an Individual Retirement Account
- Competitive dividends above standard savings rates
- Make contributions up to the yearly limit
- Ability to invest in CDs for added flexibility
- Competitive dividends above regular savings rates
- Traditional and Roth IRA options
- No setup charges
- Annual Admin service charge of $20
- $6,000 contribution limit per year
- Additional $1,000 "catch-up" contribution allowed for ages 50+
- Funds can be used to purchase certificates of deposit within IRA
- $5 minimum deposit to open
Traditional IRA
Money deposited can be used as a tax deduction or is funded from money that has never been taxed, such as pensions or a 401(k).
- No income limits to open
- No minimum contribution requirement
- Contributions are tax deductible on state and federal income tax1
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59½
- Early withdrawals subject to penalty2
Mandatory withdrawals at age 72 (effective 1/1/2020) This change impacts the RMD requirement for individuals who turn age 70½ in years 2020 or later (IRA owners with a date of birth of July 1, 1949 or later). The SECURE Act, signed into law 12/20/2019.
Roth IRA
Money deposited cannot be used as a tax deduction. Money funded in the Roth IRA has already been taxed. Traditional IRA funds can be converted to a Roth; however, taxes are required to be paid.
- Income limits to be eligible to open Roth IRA3
- Contributions are NOT tax deductible
- Earnings are 100% tax free at withdrawal1
- Principal contributions can be withdrawn without penalty1
- Withdrawals on interest can begin at age 59½
- Early withdrawals on interest subject to penalty2
- No mandatory distribution ages
- No age limit on making contributions as long as you have earned income (must be at least 18 to open Roth IRA)
1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Consult a tax advisor.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto & Motorcycle (2015 - 2006**)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 9.14% |
| 37 - 48 Months | As low as 9.49% |
Requires proof of value & full-coverage insurance.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Auto & Motorcycle (2020 - 2016**)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 4.64% |
| 37 - 48 Months | As low as 5.49% |
| 49 - 72 Months | As low as 6.49% |
| 73 - 84 Months | As low as 7.74% |
| 85+ Months | As low as 8.49% |
Requires proof of value & full-coverage insurance.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Auto & Motorcycle (2026 - 2021**)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 3.99% |
| 37 - 48 Months | As low as 5.24% |
| 49 - 72 Months | As low as 5.99% |
| 73 - 84 Months | As low as 6.99% |
| 85+ Months | As low 7.74% |
Requires proof of value & full-coverage insurance.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000+loan amount.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Boat and Motorhome Loans
| Term | APR |
|---|---|
| Up to 60 Months | As low as 5.74% |
| 61 - 84 Months | As low as 7.49% |
| 85 - 120 Months | As low as 7.74% |
| 121 - 180 Months | As low as 8.49% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Certificates of Deposit
| Term | Rate | APY |
|---|---|---|
| 6 Months | 3.688% | 3.750% |
| 1 Year | 3.445% | 3.500% |
| 18 Months | 3.008% | 3.050% |
| 2 Years | 3.057% | 3.100% |
| 2 Year Jumbo* | 3.106% | 3.150% |
| 3 Years | 2.862% | 2.900% |
| 3 Year Jumbo* | 2.911% | 2.950% |
| 4 Years | 2.959% | 3.000% |
| 4 Year Jumbo* | 3.008% | 3.050% |
| 5 Years | 3.057% | 3.100% |
| 5 Year Jumbo* | 3.105% | 3.150% |
Early withdrawal penalties may apply.
*Jumbo CDs require $50,000 or more to open.
Classic Auto/Motorcycle
| Term | APR |
|---|---|
| Up to 36 Months | As low as 4.89% |
| 37 - 48 Months | As low as 5.39% |
| 49 - 72 Months | As low as 7.39% |
| 73 - 84 Months | As low as 9.14% |
| 85+ Months | As low as 9.89% |
Requires proof of value & full-coverage insurance.
Minimum collateral value of $15,000.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
First Mortgages
See our Mortgage page or call us to see how we can save you money on your mortgage.
Fixed Rate, Closed-End Home Equity
| Term | APR |
|---|---|
| 5 Years | As Low As 7.5% |
| 15 Years | As Low As 8% |
Home Equity Line of Credit (HELOC)
| Term | APR |
|---|---|
| 80% Loan to Value | As low as Prime Rate - 0.75% |
| 81-90% Loan to Value | As low as Prime Rate - 0.25% |
| 91-100% Loan to Value | As low as Prime Rate + 2.25% |
Minimum APR is as low as 7.75%. Maximum APR is 18.00%.
Contact HCU for closing costs/fees.
Kasasa Cash Back*
| Tier | Rate | APY |
|---|---|---|
| $0 - $200 | 4.50% | 4.50% |
Qualifications
It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 signature-based debit card purchases post to your Kasasa account
- Be enrolled in and agree to receive eStatements
- Must access online banking at least once during the period
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month.
Kasasa Cash*
| Tier | Rate | APY |
|---|---|---|
| $0 - $10,000 | 4.8889% | 5.00% |
| $10,000+ | 0.1500% | 5.00% to 0.59% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 12 signature-based debit card purchases post to your Kasasa account
- Be enrolled in and agree to receive eStatements
- Must access online banking at least once during the period
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Tier | Rate | APY |
|---|---|---|
| $0 - $10,000 | 1.9819% | 2.00% |
| $10,000+ | 0.1500% | 2.00% to 0.32% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 signature-based debit card purchases post to your Kasasa account
- Be enrolled in and agree to receive eStatements
- Must access online banking at least once during the period
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Non-Titled Recreational Vehicles* (2020-2016)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 6.24% |
| 37 - 48 Months | As low as 6.99% |
| 49 - 72 Months | As low as 8.24% |
| 73 - 84 Months | As low as 8.74% |
| 85+ Months | As low as 9.24% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Non-Titled Recreational Vehicles* (2026-2021)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 5.99% |
| 37 - 48 Months | As low as 6.74% |
| 49 - 72 Months | As low as 7.99% |
| 73 - 84 Months | As low as 8.49% |
| 85+ Months | As low as 8.99% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Other
| Type | APR |
|---|---|
| Share Secured | 1.00% + High-yield Saving Rate |
| All Other Closed End Loans | 7% - 18.00% |
| Overdraft Protection | 15.00% |
Savings Accounts
| Account | Rate | APY |
|---|---|---|
| Basic Savings | 0.05% | 0.05% |
| Club Accounts | 0.05% | 0.05% |
| HY Money Market ($1.00 - $2,499.99) | 0.050% | 0.05% |
| HY Money Market ($2,500 - $24,999) | 1.736% | 1.75% |
| HY Money Market ($25,000 - $74,999) | 1.835% | 1.85% |
| HY Money Market ($75,000 - $199,999) | 1.982% | 2.00% |
| HY Money Market ($200,000+) | 1.982% | 2.00% |
| IRA Shares | 0.05% | 0.05% |
E-mail us for more information about account terms and fees.Rates are subject to change. Fees may reduce earnings.
Titled Recreational Vehicles (2020 - 2016)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 5.74% |
| 37 - 48 Months | As low as 5.99% |
| 49 - 72 Months | As low as 7.24% |
| 73 - 84 Months | As low as 7.74% |
| 85+ Months | As low as 8.24% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Titled Recreational Vehicles (2026- 2021)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 4.99% |
| 37 - 48 Months | As low as 5.74% |
| 49 - 72 Months | As low as 6.99% |
| 73 - 84 Months | As low as 7.49% |
| 85+ Months | As low as 7.99% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
