Membership Eligibility - Harvard Federal Credit Union

We’re going places, and so are our 50,000+ members.

If you’re seeking to become a member of Harvard FCU, we have a pathway for you to join! Harvard FCU is open to all Harvard affiliates, including: faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Don’t fit into one of those categories? Don’t worry, there are other ways to qualify! Learn more below.

Once you become a member, your family members also qualify to be members. Your money will always be easily accessible, with convenient services like shared branching and digital banking. Membership is good for life, even when you graduate, move, or change employers.

Join the credit union movement today! Check your eligibility below.

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Interested in becoming a member? We have a pathway for you to join!

Harvard FCU partners with a number of affiliates and organizations that are eligible for membership, including Harvard students, employees, alumni, employees of Harvard teaching hospitals, and more. Find out if your organization is eligible using the lists below.

In addition, those who live, work, worship, or attend school in a number of different census tracts throughout Boston are also eligible for membership at Harvard FCU! Look for your census tract below.

Medical Community

Other Partners

Census Tracts

To find your census tract, enter your address here.

Essex County, MA Census Tracts: 25009202104, 25009205200, 25009205500, 25009205600, 25009205700, 25009205800, 25009205900, 25009206000, 25009206100, 25009206200, 25009206400, 25009206500, 25009206600, 25009206700, 25009206800, 25009206900, 25009207000, 25009207100, 25009207200, 25009208301, and 25009208302

Middlesex County, MA Census Tracts: 25017336404, 25017339101, 25017339700, 25017339900, 25017341200, 25017341301, 25017341400, 25017341500, 25017341600, 25017341700, 25017341800, 25017341901, 25017341904, 25017342101, 25017342102, 25017342201, 25017342202, 25017342301, 25017342302, 25017342401, 25017342402, 25017342501, 25017342502, 25017342600, 25017350106, 25017350107, 25017350108, 25017350109, 25017351203, 25017351403, 25017351404, 25017351500, 25017352101, 25017352102, 25017352200, 25017352300, 25017352400, 25017352500, 25017352600, 25017352700, 25017352800, 25017352900, 25017353000, 25017353101, 25017353102, 25017353200, 25017353300, 25017353700, 25017353800, 25017353900, 25017354000, 25017354100, 25017357400, 25017359400, 25017370201, 25017370301, 25017370302, 25017370403, and 25017373100

Norfolk County, MA Census Tracts: 25021400100 and 25021400202

Suffolk County, MA Census Tracts: 25025000102, 25025000201, 25025000202, 25025000301, 25025000302, 25025000401, 25025000502, 25025000503, 25025000505, 25025000506, 25025000603, 25025000604, 25025000701, 25025000703, 25025000704, 25025000805, 25025000806, 25025000807, 25025010103, 25025010104, 25025010204, 25025010205, 25025010206, 25025010300, 25025010403, 25025010404, 25025010405, 25025010408, 25025010500, 25025020301, 25025020304, 25025030301, 25025030302, 25025040200, 25025040600, 25025040801, 25025050101, 25025050200, 25025050300, 25025050400, 25025050500, 25025050600, 25025050700, 25025050901, 25025051000, 25025051101, 25025060603, 25025060604, 25025060700, 25025061000, 25025061101, 25025061201, 25025061203, 25025070102, 25025070103, 25025070201, 25025070202, 25025070402, 25025070502, 25025070600, 25025070801, 25025070802, 25025070901, 25025070902, 25025071101, 25025071201, 25025080100, 25025080300, 25025080401, 25025080500, 25025080601, 25025080801, 25025080900, 25025081001, 25025081101, 25025081102, 25025081200, 25025081301, 25025081302, 25025081400, 25025081500, 25025081700, 25025081800, 25025081900, 25025082000, 25025082100, 25025090100, 25025090200, 25025090300, 25025090400, 25025090600, 25025090700, 25025090901, 25025091001, 25025091100, 25025091200, 25025091300, 25025091400, 25025091500, 25025091600, 25025091700, 25025091800, 25025091900, 25025092000, 25025092101, 25025092200, 25025092300, 25025092400, 25025100100, 25025100200, 25025100300, 25025100400, 25025100500, 25025100601, 25025101001, 25025101002, 25025101101, 25025101102, 25025110104, 25025110201, 25025110301, 25025110401, 25025110403, 25025120500, 25025130406, 25025140102, 25025140105, 25025140106, 25025140300, 25025140400, 25025160102, 25025160103, 25025160200, 25025160300, 25025160400, 25025160501, 25025160502, 25025160601, 25025160602, 25025170101, 25025170102, 25025170200, 25025170301, 25025170302, 25025170400, 25025170502, 25025170503, 25025170504, 25025170601, 25025170701, 25025170702, 25025170800, 25025180101, 25025980300, 25025981501, 25025981502, and 25025981800

Other Ways to Qualify

If you want to become a member of Harvard FCU, we can make it happen! Here are a couple of other that anyone could qualify:

Census tracks – Do you live, work, worship, or attend school in one of the above census tracks? A number of areas throughout Boston qualify! For a map of covered areas, click here, and to look up your address, click here!

Financial Fitness Association – If you become a member of the Financial Fitness Association, then you automatically qualify for membership at Harvard FCU. Harvard FCU will cover the $8 annual membership fee for the first year, and there is no obligation for you to renew your FFA membership after that; once you are a member of the Credit Union, you’re a member for life! To join, simply select this as an option on your Membership Application.

Family Membership

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.