Choose your reward!
With Smart Rewards Checking, there are no maintenance fees of any kind, just rewards you can count on. Choose the reward that’s right for you; get cash back every month or earn premium interest on your account balance. Compare the benefits and get started with the right option for your lifestyle and financial goals.
Cash-Back
Earn 3% cash-back1
Premium Interest
Earn up to 3.00 % APY2
Cash-Back
REWARDS
- 3% Cash-Back1 on debit card purchases, up to $10 per month.
Free ATMs
- Unlimited Harvard FCU per month
ATM Fee Refunds
- Get all ATM fees and surcharges refunded up to $25 per month.
No Monthly Fees
Non-Interest Bearing
MONTHLY QUALIFICATIONS
- 12 Debit Card purchases posted and
settled - Access Online or Mobile Banking at least 1 time
- E-Statements Required
ADDITIONAL PERKS
- 1,500 bonus points on a new Platinum Rewards or Platinum Rewards+
MasterCard® - Discounted rates on Auto or Personal
loans with Auto-pay - Free first order of checks
Premium Interest
REWARDS
- Earn 3.00 % APY2 on up to $10,000.
Free ATMs
- Unlimited Harvard FCU per month
ATM Fee Refunds
- Get all ATM fees and surcharges refunded, up to $25 per month.
Includes No Monthly Fees
Earns Interest
MONTHLY QUALIFICATIONS
- 12 Debit Card purchases posted and
settled - Access Online or Mobile Banking at least 1 time
- E-Statements Required
ADDITIONAL PERKS
- 1,500 bonus points on a new Platinum Rewards or Platinum Rewards+
MasterCard® - Discounted rates on Auto or Personal
loans with Auto-pay - Free first order of checks
Change is Rewarding!
Cash-Back
Choose the Cash-Back option if you use your debit card frequently. Get 3% cash-back1 on debit card purchases, up to $10 per month.
Premium Interest
Choose Premium Interest if you keep larger balances in your account. Earn 3.00 % APR2 on up to $10,000.
Wave Goodbye to Fees
In addition to no monthly maintenance fees, Smart Rewards Checking refunds you up to $25 in ATM fees each month when you meet the requirements.
Give your savings a major boost without tying up your money longer term!
With a Smart Rewards Savings account from Harvard FCU, members can earn 4.00 % APY on balances up to $25,000.3
Any member with a Smart Rewards Checking Account is eligible to open a new Smart Rewards Savings. When the monthly qualifications in the checking are met, you will automatically earn the premium interest on the savings as well.
It’s free! There’s no minimum balance and no monthly maintenance fees.
It’s easy! There’s even a “Saver Sweep” where Checking Account rewards automatically sweep to the savings account to help your money grow!4.
It’s flexible! Unlike a CD, money in your Smart Rewards savings is completely liquid, and can be accessed any time.
It’s guaranteed! As always, every dollar on deposit at Harvard FCU is fully insured without limit. As with most institutions, the first $250,000 is federally insured, however, Harvard FCU also purchases excess deposit insurance from the MSIC that covers all deposits over $250,000.
Qualifications: Transactions and activities must post and settle during the Monthly Qualification Cycle in order to qualify, which may take one or more days from the transaction. “Monthly Qualification Cycle” begins on the final day of the prior statement cycle and runs through the day prior to the last day of the current statement cycle. Visit harvardfcu.org for specific Monthly Qualification Cycle dates.
1. Smart Rewards Checking with Cash Back Rewards: When Smart Rewards qualifications are met during a Monthly Qualification Cycle, you will receive 3% cash back on debit card purchases that post and settle to the account during that cycle. A maximum of $10 cash back may be earned per Monthly Qualification Cycle. When your Smart Rewards account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
2. Smart Rewards Checking with Premium Interest Rewards: When your Smart Rewards Checking with Premium Interest account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in the account earn an APY of 3.00 % and daily balances over $10,000 earn a dividend rate of .10% on the portion of the daily balance over $10,000, resulting in a range from 3.00 % to 0.36% APY depending on the account’s daily balance. When your Smart Rewards Checking with Premium Interest account qualifications are not met, the entire daily balance in the account earns a dividend rate of .05% resulting in an annual percentage yield of .05% APY, and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Smart Rewards Checking with Premium Interest account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 03/01/2023.
3. Smart Rewards Savings: Daily balances up to and including $25,000 in your Smart Rewards Savings account earn a dividend rate of 3.93 % resulting in an APY of 4.00 % and daily balances over $25,000 earn a dividend rate of .10% on the portion of the daily balance over $25,000, resulting in a range from 4.00 % to .88 APY depending on the daily balance in the Smart Rewards Savings account. When your Smart Rewards Checking account qualifications are not met, the entire daily balance in the account earns a dividend rate of .05% resulting in an annual percentage yield of .05% APY. APY = Annual Percentage Yield. APYs accurate as of 04/01/2023.
4. Saver Sweep: At the end of each cycle, rewards received from the attached checking account automatically sweep into the Savings Account.
Additional Information: Rates, rewards, and bonuses, are variable and may change after account is opened. Rates may change without notice. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. There are no recurring monthly maintenance charges or fees to open or close this account. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Smart Rewards checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the information we receive does not identify the fee.