1. Early withdrawal penalties will be imposed for CD products, which will reduce earnings. The APY assumes principal and interest remain on deposit until maturity
Business Certificate Specials
| Product |
Minimum Opening Balance |
Dividend Rate |
APY* |
| 11 Month Certificate Special1 |
$1,000.00 |
3.84 % |
3.90 % |
| 15 Month Certificate Special1 |
$1,000.00 |
3.69 % |
3.75 % |
1. Annual Percentage Yield. The APY is accurate as of July 1, 2026 dividend declaration date. $1000.00 minimum deposit required to open an Harvard FCU certificate. You must be an Harvard FCU member to receive the advertised APY. Rates subject to change. Limited-time offer. If you do not make a selection of a new certificate labeled as a “Special” prior to the expiration of your certificate promo term, you will be automatically rolled into a certificate of the next highest term length. If any portion of the principal balance is withdrawn early, a penalty will be imposed based on the certificate term. For terms of 12 months or less, the penalty is up to 3 months of interest earned. For terms over 12 months, the penalty is up to 6 months of interest earned.
*Annual Percentage Yield. Rates on the above accounts may change after an account is opened. Fees may reduce earnings. Rates accurate as of July 1, 2026. Insured by NCUA.
