Teach kids to save — and make it fun.
Our youth accounts encourage kids and teens good financial habits. They offer competitive dividends, no monthly fees, and fun rewards.
Why Open a Youth Savings Account
- Earn rewards for deposits
- No monthly service charges
- Establish healthy financial habits from a young age
- Available to young savers from 2–12 years old
- Competitive dividends on entire balance
- No monthly service charges
- No minimum balance requirements
- Earn Birdy Bucks for prizes, including toys, games, puzzles, and more
- Earn 1 Birdy Buck for every $10 deposit
- Receive a welcome gift when you open your account
- Get a birthday postcard — good for a gift or $5 in Birdy Bucks
- Free unlimited coin counts
- Join us in celebrating National Credit Union Youth Month every April
- Automatic enrollment in our Team Varsity Club on your 13th birthday
- Free digital banking
- $5 minimum deposit to open
- Available to teens from 13–18 years old
- Competitive dividends on entire balance
- No monthly service charges
- No minimum balance requirements
- Free unlimited coin counts
- Receive a welcome $5 gift card when you open your account
- Student Account Reward Card available:
- Earn stamps on your reward card based on the amount of money you save
- Once your card is full, redeem it for a $5 gift card1
- Watch for fun & free financial workshops throughout the year
- Use student-run credit union branches located in two local high schools
- Graduating high school students may apply for a $500 scholarship
- Open a HarborLight checking account2
- Free digital banking
- Free Visa debit card3
- Nationwide surcharge-free ATMs via the CO-OP network
- $5 minimum deposit to open
Reward Card Stamps
| Amount Deposited | Stamps Earned |
|---|---|
| $25-$99 | 1 Stamp |
| $100-$199 | 2 Stamps |
| $200+ | 3 Stamps |
1At 19 years old, members may complete an already started Student Account Reward Card. Members have 90 days to receive stamps for Direct Deposit.
2Must be 14 years old to open a checking account.
3At 14 years old, members are eligible to apply for a Visa debit card. To qualify, a parent must be joint on the checking account. At 17 years old, members are eligible to apply for a Visa debit without a parent.
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.
