As you embark on the next stage of your career, know that Harvard FCU is here to help you. Harvard FCU is a not-for-profit cooperative exclusively serving the Harvard community. We help our members achieve their financial goals by offering low-cost, consumer-friendly services and sincere, sound advice.

We make it easy for international postdocs to transition into new accounts. A Social Security number is not required.

Know the Basics

Whether you will be moving into a new apartment, or borrowing a loan, chances are you will have your credit report pulled by a landlord or lender. Understanding your credit report and how it is used will help you get the best rates and save money in the long-term.

Don’t wait until tax season to research tax benefits. The earlier you know about tax credits and deductions available to you, the sooner you can plan.

  • Student loan deduction you can reduce your taxable income by up to $2,500 if you are paying student loan interest. The lower your taxable income, the lower the amount of tax you must pay.
  • Lifetime Learning Credit : If you paid for education expenses this year, then you may be eligible for up to $2,000 in a lifetime learning credit that would directly reduce the tax you must pay.
  • Massachusetts Rent Paid Deduction: Paid rent in Massachusetts? You may be eligible for up to $3,000 tax deduction or $2,500 for non-residents.
  • Federal Moving Expense Deduction: If you meet certain requirements, you may be eligible to deduct moving expenses due to the start of a job in a new location.