Harvard Federal Credit Union

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In order to get started, select an account that works for you.

Share Savings
As a member, you own a share in the Credit Union, represented by your Share Savings Account.
  • Interest bearing
  • Open with a $5 minimum deposit to establish membership
  • Must maintain a minimum balance of $5
Smart Rewards Savings
As a companion to our Smart Rewards checking accounts, select Smart Rewards Savings to give your savings a major boost without tying up your money longer term!  
  • Tiered APY based on account balance
  • Minimum Deposit of $5
  • Maximum Deposit of $5,000
  • Must have Smart Rewards Checking
Smart Rewards Cash Back
With Smart Rewards Checking, there are no maintenance fees of any kind, just rewards you can count on. Choose Cash-Back if you use your debit card often - your cash back will add up quickly!
  • 3% cash-back on debit purchases, up to $10 per month
  • Minimum Deposit of $5
  • No monthly fee
  • $25 ATM fees refunded monthly
  • Required to Earn Rewards: eStatements, 12 debit purchases, 1 Online/Mobile Login
Smart Rewards Premium Interest
With Smart Rewards Checking, there are no maintenance fees of any kind, just rewards you can count on. Choose Premium Interest if you tend to carry larger balances - it will help maximize your savings growth!
  • Premium Interest rate earned on up-to $10,000 balance
  • Minimum Deposit of $5
  • No monthly fee
  • $25 ATM fees refunded monthly
  • Required to Earn Rewards: eStatements, 12 debit purchases, 1 Online/Mobile Login
Crimson Elite Checking
Crimson checking is Harvard FCU’s more traditional checking account.
  • Interest bearing
  • Minimum Deposit of $5
  • No monthly fee with a minimum balance
  • $50 ATM surcharges refunded monthly
College Life Cash Back
Harvard Undergrads get the best financial services at their very own Credit Union.
  • Restricted to currently enrolled college undergraduates
  • Minimum Deposit of $5
  • No monthly fee or minimum balance
  • Earn 3% cash back on your debit card purchases
  • Free incoming wires and inter-bank transfers
  • $25 ATM fees refunded monthly
College Life Premium Interest
Harvard Undergrads get the best financial services at their very own Credit Union.
  • Restricted to currently enrolled college undergraduates
  • Minimum Deposit of $5
  • No monthly fee or minimum balance
  • Premium interest rate earned on balances up-to $10,000
  • Free incoming wires and inter-bank transfers
  • $25 ATM fees refunded monthly
Basic Checking
Basic checking is your classic no frills, no fees account.
  • Minimum Deposit of $5
Additional Share Savings
A basic savings account, just like your Share Savings, that can be used for any purpose.
  • Interest bearing
  • Open with a $5 minimum deposit
  • Must maintain a minimum balance of $5
Holiday Club
With no waiting, no long applications, and no high-interest credit card bills to pay, our Holiday Loan will put some cheer back into your season.
  • Designed to help you save for your holiday shopping
  • Make regular deposits via direct deposit or automatic transfer
  • Make regular deposits into your account via direct deposit or automatic transfer
  • All funds automatically transferred to your Harvard FCU share savings account on November 1st
  • Earns interest
  • Minimum Deposit of $5
Vacation Club
If you need a little extra cash to make this year’s vacation the best ever, apply for the Vacation Loan from Harvard FCU!
  • $1 minimum to open.
  • Earns interest.
  • Make regular deposits into your account via direct deposit or automatic transfer.
Money Market Savings
Money Market Accounts are great for medium-to-long range savings if you don’t want to be locked in to any term. Tiered interest rates allow you to earn better returns for carrying higher balances, and you have the freedom to access and withdraw funds at anytime.
  • Geared toward medium to long range savings
  • Interest bearing account
  • $1,500 minimum to open
  • Up to six transfers per month
Regular Certificates
Term Share Certificates (also known as CDs) feature the Credit Union’s highest savings rates. You choose from a variety of terms based on how long you are looking to commit the funds, the longer the term, the higher the interest rate.
  • $1,000 minimum to open
  • Fixed return over time you can count on
3 Month CD
CD Specials
Reach your savings goals with a Certificate of Deposit from Harvard FCU!
Now available for a limited-time at special rates, a CD is the perfect way to boost your savings.
5 Month CD Special