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Certificates of Deposit1

Product Minimum to Open Dividend Rate APY*
3 Month CD $1,000 3.93 % 4.00 %
6 Month CD 3.98 % 4.05 %
9 Month CD 4.03 % 4.10 %
12 Month CD 3.93 % 4.00 %
18 Month CD 3.30 % 3.35 %
24 Month CD 3.21 % 3.25 %
36 Month CD 3.16 % 3.20 %
48 Month CD 3.11 % 3.15 %
60 Month CD 3.06 % 3.10 %

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 Banking CD Specials

Product Minimum Opening Balance Dividend Rate APY*
11 Month CD Special1 $1,000.00 4.08 % 4.15 %
15 Month CD Special1 $1,000.00 4.08 % 4.15 %

1. Annual Percentage Yield. The APY is accurate as of November 1, 2025 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 If any portion of the principal balance is withdrawn early, a penalty will be imposed based on the certificate term.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.

Money Markets

Product Minimum to Open Dividend Rate APY* Minimum to Earn APY
$10 – $9,999 $1,500 1.00 % 1.00 % $10
$9,999 – $49,999 3.01 % 3.05 %
$50k+ 3.74 % 3.80 %

Savings

Product Minimum to Open Dividend Rate APY* Minimum to Earn APY
$10 – $9,999 $1,500 1.00 % 1.00 % $10
$10k+ 2.77 % 2.80 %

*Annual Percentage Yield. Rates on the above accounts may change after an account is opened. Fees may reduce earnings. Rates accurate as of November 1, 2025. Insured by NCUA.