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Harvard Federal Credit Union

Harvard Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
harvardfcu.org
617-495-4460
104 Mount Auburn St Ste 4
Cambridge, MA 02138

Field of Membership Restrictions

Membership in Harvard Federal Credit Union is open to the faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Family members of existing members are also eligible for membership.
See current membership details

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24959
Year Chartered1939
Employees142
Primary Regulator
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD3.72%
Annual Interest Income$13.3MM
Assets and Liabilities
AssetsQ1 2025$1.22B
LoansQ1 2025$1.05B
DepositsQ1 2025$877MM
Equity CapitalQ1 2025$101.3MM
Loan Loss AllowanceQ1 2025$7.8MM
Unbacked Noncurrent LoansQ1 2025$8.8MM
Real Estate OwnedQ1 2025$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Harvard Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%*$0$25kSmart Reward Savings
OTHER TIERS: 0.10% → $25k+
3.00%*$10k*-Business Savings
OTHER TIERS: 1.00% → $10 - $10k
0.10%$10-Share Savings
0.10%$1-Holiday Club
0.10%$1-Vacation Club

Harvard Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$50k*-Business Money Market
OTHER TIERS: 1.00% → $10 - $10k | 3.25% → $10k - $50k
0.65%*$250k*-Money Market Savings
OTHER TIERS: 0.10% → $0 - $1.5k | 0.15% → $1.5k - $5k | 0.25% → $5k - $50k | 0.45% → $50k - $100k | 0.55% → $100k - $250k
0.65%*$250k*-IRA Money Market
OTHER TIERS: 0.10% → $0 - $1.5k | 0.15% → $1.5k - $5k | 0.25% → $5k - $50k | 0.45% → $50k - $100k | 0.55% → $100k - $250k

Harvard Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$10kSmart Rewards Checking with Premium Interest Rewards
OTHER TIERS: 0.10% → $10k+
0.05%$1.5k-Crimson Elite Checking

Harvard Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$1k-Business 11 Month CD
4.35%$1k-Business 15 Month CD
4.30%$1k-Business 9 Month CD
4.25%$1k-Business 6 Month CD
4.25%$1k-Business 12 Month CD
4.20%$1k-11 Month CD Special
4.20%$1k-15 Month CD Special
4.20%$1k-Business 3 Month CD
4.15%$1k-9 Month CD Special
4.00%$1k-6 Month CD Special
3.55%$1k-Business 18 Month CD
3.45%$1k-Business 24 Month CD
3.40%$1k-Business 36 Month CD
3.35%$1k-Business 48 Month CD
3.30%$1k-Business 60 Month CD
2.75%$1k-60 Month CD
2.50%$1k-36 Month CD
2.35%$1k-24 Month CD
2.25%$1k-18 Month CD
2.00%$1k-12 Month CD
1.50%$1k-3 Month CD

Harvard Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-60 Month IRA
2.50%$1k-36 Month IRA
2.35%$1k-24 Month IRA
2.25%$1k-18 Month IRA
2.00%$1k-12 Month IRA
1.65%$1k-6 Month IRA
Locations


Harvard Federal Credit Union Locations
Branch Office104 Mount Auburn St Ste 4Cambridge, MA 02138-5019
Branch Office55 Fruit StBoston, MA 02114-2621
Branch Office149 13th StCharlestown, MA 02129-2020
Branch Office399 Revolution Dr Rm 3E30Somerville, MA 02145-1484
Branch Office435 Brookline AveBoston, MA 02215-5410

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