--- title: "Harvard Credit Union Rates (Nov 2026): CDs to 4.70%" description: "Harvard Credit Union rates today: savings & CDs up to 4.70% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Harvard Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/harvard" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Harvard Credit Union Rates (Nov 2026): CDs to 4.70% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **30-Year Mortgage** other | — APR | 7.250% | — | Standard | Harvard Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.950% | — | Standard | Harvard Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan** heloc | — APR | 6.250% | — | Standard | Harvard Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.740% | — | Standard | Harvard Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 33 offers | Product | Published | Rate | Term / condition | Status | | **Crimson Elite Checking** checking | 0.05% APY | 0.05% | — | Standard | | **Savings** share_savings | 0.10% APY | 0.10% | — | Standard | | **Vacation Club** savings | 0.10% APY | 0.10% | — | Specialty offer | | **IRA Money Market** ira | 0.65% APY | 0.65% | — | Standard | | **Money Market** money_market | 0.65% APY | 0.65% | — | Standard | | **12-Month Certificate** cd_12mo | 2.00% APY | 1.99% | 12 mo | Standard | | **12 Month Regular IRA Certificate** ira_cd_12mo | 2.00% APY | 1.99% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | 2.25% APY | 2.23% | 18 mo | Standard | | **18 Month Regular IRA Certificate** ira_cd_18mo | 2.25% APY | 2.23% | 18 mo | Standard | | **Smart Rewards Premium Interest** savings | 2.90% APY | 2.87% | — | Standard | | **3-Month Certificate** cd_3mo | 3.40% APY | 3.35% | 3 mo | Standard | | **3 Month Regular IRA Certificate** ira_cd_3mo | 3.40% APY | 3.35% | 3 mo | Standard | | **Smart Rewards Savings** savings | — APY | 3.45% | — | Standard | | **6 Month Featured IRA Certificate** ira_cd_6mo | 3.60% APY | 3.55% | 6 mo | Standard | | **6 Month Featured Certificate** cd_6mo | 3.60% APY | 3.55% | 6 mo | Standard | | **9 Month Featured Certificate** cd_9mo | 3.60% APY | 3.55% | 9 mo | Standard | | **9 Month Featured IRA Certificate** ira_cd_9mo | 3.60% APY | 3.55% | 9 mo | Standard | | **5-Month Certificate** cd_5mo | 3.85% APY | 3.79% | 5 mo | Standard | | **5-Month IRA Certificate** ira_cd_5mo | 3.85% APY | 3.79% | 5 mo | Standard | | **8-Month Certificate** cd_8mo | — APY | 4.00% | 8 mo | Standard | | **5-Month Certificate** cd_5mo | 4.00% APY | 3.85% | 5 mo | Standard | | **8-Month IRA Certificate** ira_cd_8mo | 4.00% APY | 3.93% | 8 mo | Standard | | **8-Month Certificate** cd_8mo | 4.00% APY | 3.93% | 8 mo | Standard | | **11-Month IRA Certificate** ira_cd_11mo | 4.15% APY | 4.08% | 11 mo | Standard | | **11-Month Certificate** cd_11mo | 4.15% APY | 4.08% | 11 mo | Standard | | **15-Month Certificate** cd_15mo | 4.25% APY | 4.17% | 15 mo | Standard | | **15-Month IRA Certificate** ira_cd_15mo | 4.25% APY | 4.17% | 15 mo | Standard | | **24 Month Regular IRA Certificate** ira_cd_24mo | 4.50% APY | 4.41% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | 4.50% APY | 4.41% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | 4.60% APY | 4.51% | 36 mo | Standard | | **36 Month Regular IRA Certificate** ira_cd_36mo | 4.60% APY | 4.51% | 36 mo | Standard | | **60 Month Regular IRA Certificate** ira_cd_60mo | 4.70% APY | 4.61% | 60 mo | Standard | | **60-Month Certificate** cd_60mo | 4.70% APY | 4.61% | 60 mo | Standard | Harvard Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.70% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/harvard) , verified from [Harvard Credit Union's official website](https://harvardfcu.org/) Loading branch locator… ## About Harvard Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 58.8K Assets $1.2B Founded 1939 Locations reported 6 NCUA charter 24959 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Hanscom** Mount Auburn Hospital Branch · Cambridge · MA · 02138 About 0.3 miles away](https://rateapi.dev/credit-unions/massachusetts/hanscom) [**Cambridge Firefighters** Main · Cambridge · MA · 02138-6700 About 0.4 miles away](https://rateapi.dev/credit-unions/massachusetts/cambridge-firefighters) [**Webster First** Cambridge Teachers · Cambridge · MA · 02138 About 1.2 miles away](https://rateapi.dev/credit-unions/massachusetts/webster-first) [**Health Alliance** Health Alliance Federal Credit Union · Somerville · MA · 02143-1408 About 1.5 miles away](https://rateapi.dev/credit-unions/massachusetts/health-alliance) [**Naveo** Somerville · Somerville · MA · 02143 About 1.6 miles away](https://rateapi.dev/credit-unions/massachusetts/naveo) [**River Works** Naveo Credit Union · Somerville · MA · 02143 About 1.6 miles away](https://rateapi.dev/credit-unions/massachusetts/river-works) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Harvard Credit Union Membership eligibility from Harvard Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via the Harvard affiliated organizations - Association Harvard affiliated organizations Verified from [Harvard Credit Union's membership page](https://harvardfcu.org/membership/join/) . Final membership determination is always made by the credit union. ## Work at Harvard Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Harvard Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Harvard Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=harvard&state=massachusetts&code=MA&name=Harvard%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Harvard Credit Union offer? Harvard Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Harvard Credit Union rates updated? RateAPI verifies Harvard Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Harvard Credit Union's rate data? Rate data is collected directly from Harvard Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Harvard Credit Union's best CD rate? As of November 12, 2026, Harvard Credit Union offers savings and certificate (CD) yields up to 4.70% APY. ### Who can join Harvard Credit Union? Membership via the Harvard affiliated organizations ## Related Rate Data Compare Harvard Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts mortgage rate leaders](https://rateapi.dev/mortgage-rates/massachusetts) [Massachusetts auto loan rate leaders](https://rateapi.dev/auto-loan-rates/massachusetts) [Massachusetts HELOC rate leaders](https://rateapi.dev/heloc-rates/massachusetts) [Massachusetts personal loan leaders](https://rateapi.dev/personal-loan-rates/massachusetts) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://harvardfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Harvard Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Harvard Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /harvard " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Harvard Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/harvard Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp