A relationship you can trust.
Harvard FCU is proud to offer favorable loan options for Harvard graduate students. We strive to make your time at Harvard stress-free, by helping to meet your funding needs and simplifying the loan repayment process. You focus on your studies,and we’ll be here to alleviate your financial worries!
A relationship you can trust.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mauris, orci, porttitor eu hendrerit viverra consectetur diam nulla ultrices. Id non et turpis nec blandit rutrum sagittis ut volutpat. Integer ut ut tempus imperdiet volutpat tempus sem cum amet. Neque, ullamcorper sagittis, ut ut laoreet urna nibh. Sed elit nulla amet dolor. Quisque eu dictumst facilisis ante. Purus cras ornare elementum quis ullamcorper enim facilisis sit. Tortor at velit eros cursus feugiat. Urna vitae facilisis nisi, urna et metus ut fusce ornare. Egestas varius ac arcu volutpat faucibus nullam ut faucibus consequat. Malesuada tortor sit ut amet nulla. Placerat tempus diam lobortis volutpat diam rhoncus libero, massa. Adipiscing id interdum risus in mollis.
A relationship you can trust.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mauris, orci, porttitor eu hendrerit viverra consectetur diam nulla ultrices. Id non et turpis nec blandit rutrum sagittis ut volutpat. Integer ut ut tempus imperdiet volutpat tempus sem cum amet. Neque, ullamcorper sagittis, ut ut laoreet urna nibh. Sed elit nulla amet dolor.
Quisque eu dictumst facilisis ante. Purus cras ornare elementum quis ullamcorper enim facilisis sit. Tortor at velit eros cursus feugiat. Urna vitae facilisis nisi, urna et metus ut fusce ornare. Egestas varius ac arcu volutpat faucibus nullam ut faucibus consequat. Malesuada tortor sit ut amet nulla. Placerat tempus diam lobortis volutpat diam rhoncus libero, massa.
Key features
- Competitive fixed and hybrid interest rate options
- 0.25% interest rate reduction for automatic recurring payments
- No cosigner required (0.50% interest rate reduction with qualified cosigner)
- Immediate conditional approval
- Full deferment while enrolled at least half-time in a Harvard University graduate program
- No prepayment penalties
- U.S. bank account included with loan (at no additional cost)
- Convenient loan closing locations throughout Harvard University campuses
- Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
Key features
- Competitive fixed and hybrid interest rate options
- 0.25% interest rate reduction for automatic recurring payments
- No cosigner required (0.50% interest rate reduction with qualified cosigner)
- Immediate conditional approval
- Full deferment while enrolled at least half-time in a Harvard University graduate program
- No prepayment penalties
- U.S. bank account included with loan (at no additional cost)
- Convenient loan closing locations throughout Harvard University campuses
- Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mauris, orci, porttitor eu hendrerit viverra consectetur diam nulla ultrices. Id non et turpis nec blandit rutrum sagittis ut volutpat. Integer ut ut tempus imperdiet volutpat tempus sem cum amet. Neque, ullamcorper sagittis, ut ut laoreet urna nibh. Sed elit nulla amet dolor.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mauris, orci, porttitor eu hendrerit viverra consectetur diam nulla ultrices. Id non et turpis nec blandit rutrum sagittis ut volutpat. Integer ut ut tempus imperdiet volutpat tempus sem cum amet. Neque, ullamcorper sagittis, ut ut laoreet urna nibh. Sed elit nulla amet dolor.
- Adjustable rate mortgages (ARM)
- Adjustable rate mortgages (ARM)
- Adjustable rate mortgages (ARM)
- Adjustable rate mortgages (ARM)
- Adjustable rate mortgages (ARM)
- Adjustable rate mortgages (ARM)
- Lorem ipsum dolor sit ammet
- Lorem ipsum dolor sit ammet
- Lorem ipsum dolor sit ammet
- Lorem ipsum dolor sit ammet
- Lorem ipsum dolor sit ammet
- last:Lorem ipsum dolor sit ammet
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Fixed rate mortgages
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Et placerat quam vitae eu. Purus nec quis ligula proin gravida enim. Velit, massa lectus quis eleifend egestas. Vitae velit facilisi eros vitae volutpat morbi. Scelerisque malesuada urna quam quam commodo egestas aliquam. Lorem donec ac, sit nunc. Aliquam tortor, placerat ut nunc donec tristique. Vitae varius luctus ultricies semper viverra massa. Augue mauris semper justo, semper pellentesque nisi elementum neque, dictumst. Molestie turpis nunc, pretium ridiculus ipsum adipiscing. A bibendum risus magna venenatis, mattis porta et adipiscing ipsum. Urna mi a proin sit massa, orci urna. Pharetra tellus tincidunt porttitor orci, suspendisse amet.
Credit Union members enjoy top quality financial services with a level of personal service that you can’t get at a commercial bank.
Our full line of loan and deposit options mean that you will get everything you need right here. And whether you’re opening a checking account, applying for a mortgage, or just looking for some sound advice, our expert staff will make your CU experience easy and comfortable.
Member-owned
All it takes to join is a $5 deposit into your new Share Savings account. Why is it called a ‘share’ account? That $5 represents your ownership share in the Credit Union, because once you become an Harvard FCU member, you also become an owner.
Member for life
As a member-owner, you’re a member for life. That means if you decide to leave the Harvard community, you don’t have to leave behind the great benefits from your Harvard FCU membership.
A family affair
Once you’re a member of Harvard FCU, everyone in your immediate family also becomes eligible. Better yet, once a family member joins, this same eligibility tree extends from them.
Credit Union members enjoy top quality financial services with a level of personal service that you can’t get at a commercial bank.
Our full line of loan and deposit options mean that you will get everything you need right here. And whether you’re opening a checking account, applying for a mortgage, or just looking for some sound advice, our expert staff will make your CU experience easy and comfortable.
Member-owned
All it takes to join is a $5 deposit into your new Share Savings account. Why is it called a ‘share’ account? That $5 represents your ownership share in the Credit Union, because once you become an Harvard FCU member, you also become an owner.
Member for life
As a member-owner, you’re a member for life. That means if you decide to leave the Harvard community, you don’t have to leave behind the great benefits from your Harvard FCU membership.
Member Services
Checking
Harvard FCU offers a range of checking accounts with great features like:
- Low or No monthly maintenance fees
- Free ATMs
- Debit Cards
- Online Mobile Access
- Student Checking
- Youth Checking
Saving
In addition to traditional basic savings accounts, the Credit Union offers:
Borrowing
We offer a wide range of borrowing options, including:
Access
Harvard FCU members have several convenient options for accessing their accounts, including:
Member Services
Saving
In addition to traditional basic savings accounts, the Credit Union offers:
Borrowing
We offer a wide range of borrowing options, including:
Access
Harvard FCU members have several convenient options for accessing their accounts, including:
Unrestricted Access
All Harvard FCU checking accounts include these other great options for convenient access to your account.
Mobile check deposit
Comprehensive tools for managing your financial life on your schedule.
Debit MasterCard
Comprehensive tools for managing your financial life on your schedule.
Unrestricted Access
All Harvard FCU checking accounts include these other great options for convenient access to your account.
Mobile check deposit
Comprehensive tools for managing your financial life on your schedule.
Other Checking Options
Basic Checking
Looking for a bare-bones checking option?
Basic checking is your classic no frills, no fees account.8 Not a lot of added value here, just a simple account for simple needs.
College Life Account
Attention Undergrads:
If you’re looking for the best student banking experience, the Harvard FCU College Life Account is the best choice for your undergraduate education and beyond.
Varsity Life Account
The Varsity Life Account is
free checking account designed specifically for members ages 13-17. Teach your teen valuable financial skills and help them build a strong foundation for the future.
Other Checking Options
Basic Checking
Looking for a bare-bones checking option?
Basic checking is your classic no frills, no fees account.8 Not a lot of added value here, just a simple account for simple needs.
College Life Account
Attention Undergrads:
If you’re looking for the best student banking experience, the Harvard FCU College Life Account is the best choice for your undergraduate education and beyond.
Build Your Membership
You’re already part-owner of Harvard FCU. Why not take advantage of all that the Credit Union has to offer?
Free checking made easy
A better way to bank, featuring simple terms and minimal requirements to waive monthly fees.
Earn cash back with every purchase
Earn 3% cash back on gas, 2% cash back on groceries, and 1% cash back on everything else. Plus, you’ll get 10,000 bonus points when you spend $500 within the first 90 days.
Add a touch of convenience
eStatements are the more convenient, eco-friendly option to receive your monthly statement. If you didn’t enroll in eStatements when you opened your account, follow these simple instructions.
Direct deposit into your Harvard FCU account is a safe and easy way to ensure you get your money as quickly as possible. To setup direct deposit, simply provide your HR department with the following information:
- Your Harvard FCU Member #
- Harvard FCU’s Routing #: 211381738
Join
Becoming a Credit Union member is quick and easy using our Online Membership Application.
Eligibility
Harvard FCU membership is available to many Harvard affiliated organizations. Find out if you qualify.
New member guide
Just joined? This new member guide will help you get up and running with your Credit Union membership.
Meet Harvard FCU
Learn more about the philosophy and structure unique to the Harvard Federal Credit Union.
Join
Becoming a Credit Union member is quick and easy using our Online Membership Application.
Eligibility
Harvard FCU membership is available to many Harvard affiliated organizations. Find out if you qualify.
New member guide
Just joined? This new member guide will help you get up and running with your Credit Union membership.
Interested in a more rewarding experience?
Earn cash back with platinum rewards
How does it work? It’s simple.
You’ll earn 1% cash back on everything you buy plus bonus points for gas and groceries.
3X
CASH BACK
Gas²
2X
CASH BACK
Groceries²
1X
CASH BACK
Purchases²
Support and Resources
Personal service is what separates Harvard FCU from the other guys. We encourage you to search the Harvard FCU knowledge base for answers, but if you don’t see what you’re looking for, or need further support, call us at 617-495-4460, email us at support@harvardfcu.org, or come in to any one of our branch locations.
Ready to get started?
Find out which checking account is best for you.
Crimson Elite
per month
Minimum Balance3
of $5k in Checking OR $10k in Total Deposits
Free ATMs
Unlimited Harvard FCU per month
Unlimited Non-Harvard FCU per month
ATM Surcharges Refunded9
$50 per month
Earns Interest
E-Statements Available
Crimson Advantage
per month
Direct Deposit2
of $1,500 in Checking OR $10k in Loans
Free ATMs
Unlimited Harvard FCU per month
Unlimited Non-Harvard FCU per month
ATM Surcharges Refunded9
$20 per month
Non-interest bearing
E-Statements Required
Crimson Essentials
per month
Direct Deposit2
OR 10 debit card purchases
Free ATMs
Unlimited Harvard FCU per month
5 Non-Harvard FCU per month
ATM Surcharges Refunded9
$10 per month with 10 debit card purchases
Non-interest bearing
E-Statements Required
Need to get in touch with the Credit Union?
Simple, Easy Value
0.00% APR for 12 Months on Purchases and Balance Transfers¹
Featuring:
$0 Annual Fee
Welcome bonus:
Earn 10,000 bonus points
when you spend $500 in the first 90 days of Platinum Rewards card membership.
Testimonials
Join the myHarvard FCU Community
1. Fees will be waived until the end of the first full calendar month after account opening.
2. Direct Deposit determined by a single $200 incoming ACH within the month.
3. Minimum Balance calculated as daily average.
4. Closing Credit cannot be combined with any other offer including First-Time Home Buyer Credit or any other closing cost program offer.
5. Loan rate discount only available at time of application and will be .25% off of the qualified Annual Percentage Rate.
6. One-time add-on cannot exceed original purchase amount.
7. Free checks include standard check designs. Other designs available at additional cost.
8. Basic account is not a Crimson Checking and does not qualify for ATM benefits.
9. ATM surcharge refunds only apply to ATM’s located in the United States. For Crimson Essentials, the 10 debit card purchases must take place within the statement cycle period.