Personal & Specialty Loans
| Loan Type | APR1 as low as | Maximum Term | Maximum Amount | Estimated Monthly Payment (per $1,000 at maximum term) |
| Personal Loan/Debt Consolidation Loan | 9.74 %2 | Up to 60 Months | $35,000.00 | $21.12 |
| Holiday/Vacation Loan | 8.74 %2 | Up to 12 Months | $5,000.00 | $87.33 |
| Mass Save HEAT Loan | 0% | Up to 84 Months | $25,000.00 | $11.90 |
| Solar Loan | 9.74%2 | Up to 120 Months | $25,000.00 | $13.07 |
| Share Savings Secured Loan/CD Secured Loan | 6.99 % or 2% above certificate, whichever is higher | Up to the Maturity of the Certificate |
$25,000.00 | $19.80 |
| Overdraft Protection Line of Credit | 14.00 % | n/a | $5,000.00 | $25.003 |
1. Annual Percentage Rate. Rates advertised are the lowest rates available and include APR minus .25% discount with automatic payment from a Harvard FCU Crimson or Smart Rewards Checking account. Advertised rates and terms are subject to change without notice. Such changes will only apply to applications taken after the effective date of the change.
2. Subject to Credit Approval and Membership with the Harvard Federal Credit Union. Certain restrictions may apply. Your rate will be determined by individual credit worthiness. 3. Your minimum payment will either be calculated based on 3% of the outstanding balance or $25.00, whichever is greater.