Many people may not know what makes a credit union different from other financial institutions. Here are just a few ways credit unions are unique.


As a member, regardless how much you save or borrow, you have one vote and can participate in annual meetings where decisions are made about our services, policies and operations as well as who sits on the board of directors.


Because you're a member owner, we're out to protect your pocketbook! We return profits to you — the members — in the form of lower loan rates, higher interest earnings, and low or no fees for services.

Volunteer Driven

Each of our member board of directors is an unpaid volunteer you have elected to work in your best interest. As part of lending and other committees, board members make decisions to constantly improve member service.


Cooperatives pool resources for the common good. In like fashion, depositors of Harbor Credit Union pool funds to lend to one another. Through our structure and operation, credit unions carry out the credit union philosophy of "people helping people."

At Harbor Credit Union, you're not just an account number — you're a member-owner!