Whatever your savings goal, we’ll help you get there.
Club Savings Accounts
Club Savings Accounts are an easy way to save automatically for a specific need including holiday shopping and travel expenses.
Certificates
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.
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.
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 3.50 % APY on balances up to $25,000.1
Any member with a Smart Rewards Checking Account is eligible to open one 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.
Security
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.
Convenience
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.
Guidance
Harvard FCU partners with GreenPath Financial Wellness to offer free financial counseling and education.
Ready to get started?
Savings Account FAQs
Harvard Federal Credit Union offers savings account options that help members build emergency funds, save for future goals, and earn dividends on eligible balances.
Yes. Harvard Federal Credit Union savings accounts are designed to help members grow their savings through competitive dividend earnings while maintaining access to their funds.
Yes. Harvard FCU members may open multiple savings accounts to organize and save for different financial goals, such as emergencies, travel, education, or major purchases.
Minimum balance requirements vary by account type. Harvard Federal Credit Union provides account options designed to support a range of savings goals and financial needs.
Yes. Harvard FCU members can access savings accounts through online banking and mobile banking to review balances, transfer funds, and monitor progress toward savings goals.
A Harvard FCU savings account provides a secure place to save money, earn dividends, and work toward short-term and long-term financial goals.
1. Daily balances up to and including $25,000 in your Smart Rewards Savings account earn a dividend rate of 3.59% resulting in an APY of 3.65 % 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 3.65% to .42% 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 July 1, 2026.