Welcome Home!

Welcome to our mortgage loan center for easy pre-qualification, custom rate, and expert advice to guide you through the home loan process.

Choosing your credit union is the first step toward an affordable home loan. Whether you are purchasing a home or refinancing your current loan, applying online is as easy as 1-2-3.

  1. Apply Now and complete the application.

  2. When you have completed the application, click submit and your information will be reviewed for  prequalification.

  3. A Loan Officer will follow up with you and answer all your questions.

Our goal is to provide the highest level of service and competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 218-722-9242.

Available Loan Types

We offer dozens of different loan types* to fit your unique needs including Conventional, FHA, VA, Jumbo, Low Down Payment, First Time Buyer and Cash-out Refinance, as well as Fixed and Adjustable terms to 30 years.

*Additional restrictions may apply

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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 online technology today’s consumers desire as well as a new community charter. A community charter allows anyone living in St. Louis, Carlton, Lake, East Itasca & Douglas Counties 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 expanded demographic region the credit union now serves.

Harbor Pointe Credit Union serves members in our region with savings, free 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 and our latest Mobile and Online Banking services keep members connected 24/7 no matter where they live with convenient services including mobile check deposit. $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 our services offered, feel free to call us at 218-722-9242 or email us at hpcu@hpcu.us.

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Being experts in this industry, we hear a lot of different questions regarding payments, affordability and more. Below you will find a list of some of the best calculators to help you estimate the cost of your homebuying process and ensure you are applying with confidence.

Calculators made available for independent use only. We cannot guarantee their accuracy or their ability to apply to your current financial situation. We recommend you seek advice from qualified professionals regarding your finances.


Contact Us

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, contact us today.

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Harbor Point Credit Union (NMLS 757300) provides mortgage loans in agreement with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS 401285.   |   Privacy Policy