Harvard Federal Credit Union

Already have an account?

Let's get going!

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

Share Savings
Your ownership share in the Credit Union is represented by a $5 deposit in your Share Savings Account. ONLY choose this option if you are not opening another deposit account today (such as a checking or certificate). If you are opening a checking or other savings product, the Share Savings will automatically be opened and funded for you.
Smart Rewards Savings
Pair a Smart Rewards Savings with your Smart Rewards Checking account and earn a premium APY on your savings balance up to $25,000.
Smart Rewards Cash Back
Earn 3% cash back with every debit card purchase, while enjoying no monthly maintenance fees and getting your ATM Fees Refunded.
Smart Rewards Premium Interest
Earn premium interest on balances up to $10,000, while enjoying no monthly maintenance fees and getting your ATM Fees Refunded.
Crimson Elite Checking
Get an additional .10% on every certificate you open. Monthly fee is waived when you meet minimum balance requirements, and ATM fees are refunded.
College Life Cash Back
College Undergrads earn 3% cash back with every debit card purchase, while enjoying no monthly maintenance fees, free incoming wires, and having ATM Fees Refunded.
College Life Premium Interest
College Undergrads earn premium interest on balances up to $10,000, while enjoying no monthly maintenance fees, free incoming wires, and having ATM Fees Refunded.
Basic Checking
Basic checking is your classic no frills, no fees account.
Basic Savings
Just a basic savings account that can be used to save for any purpose.
Holiday Club
Save for holiday shopping by making regular deposits throughout the year.  Withdrawals are restricted and all funds automatically transfer to your Share Savings Account on November 1.
Vacation Club
Save for summer vacation by making regular deposits throughout the year.  Withdrawals are restricted and all funds automatically transfer to your Share Savings Account on May 1.
Money Market Savings
Get flexible access to your funds while earning more interest for higher balance tiers.  Includes up to six transfers per month and a 1,500 minimum deposit to open.
Regular Certificates
Choose the term that works for you and earn a fixed return over time, with higher rates for longer term commitments.
3 Month Certificate of Deposit
Certificate Specials
Our specials offer some our most attractive rates on terms that are only periodically available.
5 Month Certificate Special