Manage your money anytime, anywhere, with digital banking.
Get 24/7 access to your HCU accounts, wherever you are.
Features of Digital Banking
- View balances, transfer funds, and pay bills 24/7
- Deposit checks from your phone
- Enroll and access monthly eStatements
Online Banking
- Free, secure, and easy-to-use service for HarborLight members
- Manage a number of banking activities anytime, anywhere with internet access:
- Access eStatements
- View account balances and history
- Transfer funds between accounts (one-time and recurring transfers)
- View checks written
- Make loan payments
- And more
- Make more time for yourself; fewer bank trips necessary
- Print or download to popular financial management software
Bill Pay
- Pay one-time or recurring bills with ease
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have all payee information in one convenient place
- Retain funds until paper drafts are presented for payment
- Avoid paper clutter
- More secure than paper billing
- Fast, free, and secure service for members enrolled in online banking1
- Available to personal and business customers
- Easily keep track of your finances on the go:
- View account balances
- Review recent transactions
- Transfer funds between accounts
- Deposit checks
- Pay bills
- And more
- Download the free mobile app for Apple® and Android™ devices
- Save valuable time and effort; avoid an extra trip to a branch
Get Started
You must be enrolled in online banking through HarborLight Credit Union to access this app. Then all you have to do is go to the App Store® or Google Play™ and download HarborLight Mobile.
Text Banking
- View your account balance and transaction history by simply sending a text message
- Send text commands to your bank from your SMS-enabled phone to inquire about basic account balance and transaction history information
- Receive text message responses directly to your phone
- Enroll for this service through online banking
1Wireless carrier data rates may apply.
- Send and receive money just as easily as sending a text message or email
- Conveniently available within online banking
- Track the status of requests
- Send notification to contacts via email or text
- Minimal information required:
- Recipient's name
- Recipient's email address or mobile phone number
- No need to exchange private account information
- Save valuable time; no trips to the bank necessary
- Save paper and save the environment
- Fast, free, and easy alternative to paper statements
- Easier to retrieve info when needed
- Eliminate a paper trail
- Reduce chances of fraud and identity theft
- Arrive faster than paper statements
- Simplify recordkeeping
- Easily access past statements
- Ability to download for permanent storage or print if needed
- Receive email notice when new eStatement is ready
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.
