Harvard FCU’s current Savings & Checking rates as of July 1, 2024

Producto Mínimo para abrir Tasa de dividendos APY* Mínimo para ganar APY
Compartir ahorros $5.00 0.10 % 0.10 % $10.00
Ahorros de recompensas inteligentes $0.00 <$25,000 = 3.93%**
Over $25,000 = 0.10%**
4.00%
4.00%-0.88%
$0.00
Mercado monetario $1,500.00 Over $250k = 0.65 %
$100k – < $250k = 0.55 %
$50k – < $100k = 0.45 %
$25k – < $50k = 0.25 %
$5k – < $25k = 0.25 %
$1,500 – < $5k = 0.15 %
< $1,500 = 0.10 %
0.65 %
0.55 %
0.45 %
0.25 %
0.25 %
0.15 %
0.10 %
$10.00
IRA Mercado Monetario n/a Over $250k = 0.65 %
$100k – < $250k = 0.55 %
$50k – < $100k = 0.45 %
$25k – < $50k = 0.25 %
$5k – < $25k = 0.25 %
$1,500 – < $5k = 0.15 %
< $1,500 = 0.10 %
0.65 %
0.55 %
0.45 %
0.25 %
0.25 %
0.15 %
0.10 %
$10.00

* Rendimiento porcentual anual. Los tipos de interés de las cuentas mencionadas pueden cambiar después de la apertura de la cuenta. Las comisiones pueden reducir las ganancias.

**When Smart Rewards Checking account qualifications are met. 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.

Tipos de Ahorro Club (Plazo Fijo)

Producto Saldo mínimo de apertura Tasa de dividendos APY*
Club de vacaciones
Del 1/11 al 31/10
$1.00 0.10 % 0.10 %
Club de Vacaciones
Del 1/5 al 30/4
$1.00 0.10 % 0.10 %

* Rendimiento porcentual anual. Los tipos de interés de las cuentas anteriores pueden cambiar después de la apertura de la cuenta. Se debe mantener un saldo mínimo diario de $10.00 para ganar el APY publicado.

Tarifas de los Certificados de Acciones a Plazo

La bonificación Crimson Elite añade un 0,10% adicional al tipo de dividendo y al APY.

Producto Saldo mínimo de apertura Tasa de dividendos APY*
Certificado regular de 3 meses $1,000.00 1.49 % 1.50 %
Certificado regular de 12 meses $1,000.00 1.99 % 2.00 %
Certificado regular de 18 meses $1,000.00 2.23 % 2.25 %
Certificado regular de 24 meses $1,000.00 2.33 % 2.35 %
Certificado regular de 36 meses $1,000.00 2.48 % 2.50 %
Certificado regular de 60 meses $1,000.00 2.72 % 2.75 %

* Rendimiento porcentual anual. Se impondrán penalizaciones por retirada anticipada, lo que reducirá las ganancias. El APY supone que el capital y los intereses permanecen en depósito hasta el vencimiento. Se debe mantener un saldo mínimo diario de 1.000 dólares para obtener el APY publicado en todos los certificados.

Producto Saldo mínimo de apertura Tasa de dividendos APY*
6 Month CD Special1 $1,000.00 4.56 % 4.65 %
9 Month CD Special1 $1,000.00 4.61 % 4.70 %
11 Month CD Special2 $1,000.00 4.65 % 4.75 %
15 Month CD Special2 $1,000.00 4.65 % 4.75 %

1. Annual Percentage Yield. The APY is accurate as of 6/1/24 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 may be subject to change. If you do not make a selection of a new certificate prior to the expiration of your certificate promo term, you will be automatically rolled into a certificate of the same 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.

2. Annual Percentage Yield. The APY is accurate as of 6/1/24 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 prior to the expiration of your 11-month or 15-month 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.

Producto Saldo mínimo de apertura Tasa de dividendos APY*
IRA/ROTH a 6 meses $1,000.00 1.64 % 1.65 %
IRA/ROTH a 12 meses $1,000.00 1.99 % 2.00 %
IRA/ROTH a 18 meses $1,000.00 2.23 % 2.25 %
IRA/ROTH a 24 meses $1,000.00 2.33 % 2.35 %
IRA/ROTH a 36 meses $1,000.00 2.48 % 2.50 %
IRA/ROTH a 60 meses $1,000.00 2.72 % 2.75 %

1. If you do not make a selection of a new certificate prior to the expiration of your 11-month or 15-month certificate promo term, you will be automatically rolled into a certificate of the next highest term length. If any portion of the principle 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.

Tasas de verificación

Producto Mínimo para abrir Tasa de dividendos APY* Mínimo para ganar APY
Comprobación básica $5.00 n/a n/a n/a
Vida universitaria $5.00 n/a n/a n/a
Vida universitaria $5.00  n/a n/a n/a
Crimson Essentials Checking $5.00 n/a n/a n/a
Cuenta corriente Crimson Advantage $5.00 n/a n/a n/a
Cuenta de cheques Crimson Elite $5.00 0.05 % 0.05 % $1,500.00
Interés de la prima de Smart Rewards1 $5.00 2.96 % 3.00 % n/a
Devolución de dinero de Smart Rewards $5.00 n/a n/a n/a

 

* Rendimiento porcentual anual. Los tipos de interés de las cuentas mencionadas pueden cambiar después de la apertura de la cuenta. Las comisiones pueden reducir las ganancias.

1. 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.

Todas las tarifas están sujetas a cambios sin previo aviso.