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Safe Harbor routing numbers

Safe Harbor's routing number is 272 482 511 for direct deposit and ACH transfers (cross-checked against public directories — confirm before you send).

Cross-checkedNCUA 5300 Call Reportchecked June 28, 2026
⑆ Routing numbersSafe Harbor
Direct deposit & ACHCross-checked

Direct deposit, payroll, and ACH transfers

272 482 511

Cross-checked against public routing directories, not the bank itself. Always confirm with the bank before you send money.

Type
credit union
Headquarters
Ludington, MI
NCUA charter
61988
NCUA reported assets
$181.7M
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Find your Safe Harbor number in your account

Find your Safe Harbor routing number

Where to look: a check, online banking, the mobile app.

  1. Look at the bottom-left of a Safe Harbor check — the first 9 digits are your routing number.
  2. Or sign in to online or mobile banking and open your account or routing details.
  3. Or call the number on the back of your card and ask for the ABA routing number for your account.
  4. Confirm the number with the bank before using it for direct deposit or a transfer.
Before you send

Check these before you send money

  • Confirm the bank name on the transfer matches Safe Harbor.
  • Match the number to the transfer type — ACH and direct deposit use one number, domestic wires another.
  • For wires, double-check the recipient's name and address too.
  • If instructions arrived by email, confirm them on Safe Harbor's official site or phone line before sending.
  • No one should ever need your password or full card number to confirm a routing number — that's a scam.
FAQ

Safe Harbor routing number FAQ

What is Safe Harbor's routing number?

Safe Harbor's routing number is 272 482 511 for direct deposit and ACH transfers (cross-checked against public directories — confirm before you send). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

How do I find my Safe Harbor routing number?

Your routing number is the first 9 digits in the bottom-left of a Safe Harbor check, or in your online and mobile banking under account or routing details. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.

Where is Safe Harbor headquartered?

Safe Harbor is a credit union headquartered in Ludington, MI.

How does fin.codes check Safe Harbor's routing numbers?

Every number passes the standard ABA checksum. 1 is cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Safe Harbor before sending money.

Is fin.codes affiliated with Safe Harbor?

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Safe Harbor.

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Independent reference. Not affiliated with, endorsed by, or authorized by any financial institution. Confirm routing or SWIFT details directly with your bank before sending money.