Harvard FCU’s current Savings & Checking rates as of January 1, 2026
| 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 = 3.45 %** Over $25,000 = 0.10%** |
3.50 % 3.50 %-0.42% |
$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 January 1, 2026.
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* |
| 3 Month Certificate | $1,000.00 | 1.49 % | 1.50 % |
| 6 Month Featured Certificate | $1,000.00 | 3.45 % | 3.50 % |
| 9 Month Featured Certificate | $1,000.00 | 3.45 % | 3.50 % |
| 12 Month Certificate | $1,000.00 | 1.99 % | 2.00 % |
| 18 Month Certificate | $1,000.00 | 2.23 % | 2.25 % |
| 24 Month Certificate | $1,000.00 | 2.33 % | 2.35 % |
| 36 Month Certificate | $1,000.00 | 2.48 % | 2.50 % |
| 60 Month Certificate | $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.
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. The CD must be opened in the One Brigham Circle Branch. New money only. 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.
2. Annual Percentage Yield. The APY is accurate as of January 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.
IRA CD Rates
| Producto | Saldo mínimo de apertura | Tasa de dividendos | APY* |
| 3 Month Regular IRA CD | $1,000.00 | 1.49 % | 1.50 % |
| 6 Month Featured IRA CD | $1,000.00 | 3.45 % | 3.50 % |
| 9 Month Featured IRA CD | $1,000.00 | 3.45 % | 3.50 % |
| 12 Month Regular IRA CD | $1,000.00 | 1.99 % | 2.00 % |
| 18 Month Regular IRA CD | $1,000.00 | 2.23 % | 2.25 % |
| 24 Month Regular IRA CD | $1,000.00 | 2.33 % | 2.35 % |
| 36 Month Regular IRA CD | $1,000.00 | 2.48 % | 2.50 % |
| 60 Month Regular IRA CD | $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.
1. Annual Percentage Yield. The APY is accurate as of January 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 may be subject to change. 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.
2. Annual Percentage Yield. The APY is accurate as of January 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.
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 | 2.72 % | 2.75 % | 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 2.90% 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 2.90% to 0.35% 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 January 1, 2026.
Todas las tarifas están sujetas a cambios sin previo aviso.