Harvard Federal Credit Union Reviews and Rates

Harvard Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 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

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24959
Year Chartered	1939
Employees	139
Primary Regulator

Profit Margin
Return on Assets - YTD	0.07%
Return on Equity - YTD	0.88%
Annual Interest Income	$52.7MM

Assets and Liabilities
Assets	Q4 2024	$1.22B
Loans	Q4 2024	$1.06B
Deposits	Q4 2024	$882.5MM
Equity Capital	Q4 2024	$99.6MM
Loan Loss Allowance	Q4 2024	$7.8MM
Unbacked Noncurrent Loans	Q4 2024	$7.5MM
Real Estate Owned	Q4 2024	$0

TODAY'S FEATURED RATES

Member FDIC

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

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
3.75%^*	$0	$25k	Smart Reward Savings
OTHER TIERS: 0.10% → $25k+
0.10%	$10	-	Share Savings
0.10%	$1	-	Holiday Club
0.10%	$1	-	Vacation Club

Harvard Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	$0	$10k	Smart Rewards Checking with Premium Interest Rewards
OTHER TIERS: 0.10% → $10k+
0.05%	$1.5k	-	Crimson Elite Checking

Harvard Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.20%	$1k	-	11 Month Certificate Special
4.20%	$1k	-	15 Month Certificate Special
4.15%	$1k	-	9 Month Certificate Special
4.00%	$1k	-	6 Month Certificate Special
2.75%	$1k	-	60 Month Certificate
2.50%	$1k	-	36 Month Certificate
2.35%	$1k	-	24 Month Certificate
2.25%	$1k	-	18 Month Certificate
2.00%	$1k	-	12 Month Certificate
1.50%	$1k	-	3 Month Certificate

Harvard Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
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 Office	104 Mount Auburn St Ste 4	Cambridge, MA 02138-5019
Branch Office	55 Fruit St	Boston, MA 02114-2621
Branch Office	149 13th St	Charlestown, MA 02129-2020
Branch Office	399 Revolution Dr Rm 3E30	Somerville, MA 02145-1484
Branch Office	435 Brookline Ave	Boston, MA 02215-5410

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