Whatever your savings goal, we’ll help you get there.

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Club Savings Accounts

Club Savings Accounts are an easy way to save automatically for a specific need including holiday shopping and travel expenses.

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With Harvard FCU’s Term Share Certificates, you’ll earn the Credit Union’s highest rates of return for committing to a longer-term savings.


IRA Accounts

Individual Retirement Accounts feature unique tax incentives, like compounded interest that grows tax deferred.

mental and financial health

Money Markets Accounts

With a Money Market Account from Harvard FCU you’ll earn higher rates for maintaining higher balance without giving up easy access to your funds.

Share Savings Account

When joining the Credit Union, every member receives a Share Savings Account. This account represents your ownership share in the Credit Union. Here are some of the features:

  • Interest bearing
  • $5 minimum to open
  • No monthly maintenance fee when you have at least one other Harvard FCU loan or deposit account OR a $500 balance.
    (Otherwise a $2.50 monthly fee will apply.)

Smart Rewards Savings

Give your savings a major boost without tying up your money longer term!

With a Smart Rewards Savings account from Harvard FCU, members can earn 4.00 % APY on balances up to $25,000.1

Any member with a Smart Rewards Checking Account is eligible to open a Smart Rewards Savings.

To learn more about our Smart Rewards Checking and Smart Rewards Savings products, visit harvardfcu.org/smart-rewards.

Your money is safe with Harvard FCU

When you bank with Harvard FCU, you can be sure that your money will be secure and that the Credit Union will be there to help you reach your goals.


As a Harvard FCU member, the National Credit Union Administration (NCUA) federally protects your deposit dollars up to $250,000 for individual accounts and $250,000 per account owner for joint accounts. In addition, The Massachusetts Credit Union Share Insurance Corporation (MSIC) fully insures ALL excess deposits.


Harvard FCU makes saving easy with surcharge-free ATMs and Shared Branch locations and an array of online and mobile services that can help you manage your accounts anywhere, anytime.


Harvard FCU partners with GreenPath Financial Wellness to offer free financial counseling and education.


1. Daily balances up to and including $25,000 in your Smart Rewards Savings account earn a dividend rate of 3.93 % resulting in an APY of 4.00 % and daily balances over $25,000 earn a dividend rate of .10% on the portion of the daily balance over $25,000, resulting in a range from 4.00% to .88 APY depending on the daily balance in the Smart Rewards Savings account. 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.