Credit union · NCUA insured
First Harvest Credit Union Savings Rates
Top CarrotFirst Harvest Credit Union’s best savings rate is 3.00% APY on $10,000, with its Growth Savings Account. Rates checked October 22, 2026.
How First Harvest Credit Union’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where First Harvest Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Harvest Credit Union
3.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $300
Growth Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
First Harvest Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Harvest Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Growth Savings Account
3.00%APY
No withdrawal penalties. Special promotional rate offers valid for funds not currently on deposit with First Harvest Credit Union, or qualifying by depositing an additional $5,000 or more in new money.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier 1 balance tier. | 0.01% | — | Tier 1 balance tier. |
| $1,000 – $100,000Tier 2 balance tier. Offer valid for funds not currently on deposit with First Harvest Credit Union, or by depositing an additional $5,000 or more in new money. | 3.00% | $300 | Tier 2 balance tier. Offer valid for funds not currently on deposit with First Harvest Credit Union, or by depositing an additional $5,000 or more in new money. |
| $1,000 – $499,999Promotional rate paid on minimum balance of $1,000 with maximum balance of $499,999. Valid for funds not currently on deposit with First Harvest Credit Union, or by depositing an additional $5,000 or more in new money. | 3.00% | $300 | Promotional rate paid on minimum balance of $1,000 with maximum balance of $499,999. Valid for funds not currently on deposit with First Harvest Credit Union, or by depositing an additional $5,000 or more in new money. |
| $100,000 – $250,000Tier 3 balance tier. Offer valid for funds not currently on deposit with First Harvest Credit Union, or by depositing an additional $5,000 or more in new money. | 3.00% | — | Tier 3 balance tier. Offer valid for funds not currently on deposit with First Harvest Credit Union, or by depositing an additional $5,000 or more in new money. |
| $250,000 – $500,000Tier 4 balance tier. Offer valid for funds not currently on deposit with First Harvest Credit Union, or by depositing an additional $5,000 or more in new money. | 3.00% | — | Tier 4 balance tier. Offer valid for funds not currently on deposit with First Harvest Credit Union, or by depositing an additional $5,000 or more in new money. |
| $500,000 and upTier 5 balance tier. | 0.30% | — | Tier 5 balance tier. |
Sources (3)
- firstharvestcu.com/rates
- firstharvestcu.com/harvest-your-savings
- firstharvestcu.com/personal/bank/savings
All captured Oct 15, 2026
Progressive Money Market
0.07%APY
Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Fees may reduce earnings. Membership restrictions apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. | 0.05% | — | Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. |
| $10,000 – $50,000Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. | 0.07% | $7 | Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. |
| $50,000 and upRequires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. | 0.15% | — | Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. |
Sources (1)
- firstharvestcu.com/rates · captured Sep 19, 2026
Primary Savings Account
0.05%APY
Establishes membership at First Harvest Credit Union. APY paid on balances of $100 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Tier 1 balance tier. | 0.01% | — | Tier 1 balance tier. |
| $5,000 – $24,999Tier 2 balance tier. | 0.05% | $5 | Tier 2 balance tier. |
| $25,000 and upTier 3 balance tier. | 0.10% | — | Tier 3 balance tier. |
Sources (2)
All captured Oct 15, 2026
Special Savings
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- firstharvestcu.com/rates · captured Oct 15, 2026
Insurance Savings
0.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Sources (1)
- firstharvestcu.com/rates · captured Oct 15, 2026
Special-purpose accounts
Educator's Club Savings Account
0.10%APY
Available to school employees to help prepare for summer break. Funds are released on July 1 each year and transferred to primary savings or checking account. No monthly service fees. Requires $100 minimum balance to earn interest. Subject to $10 fee for each withdrawal made prior to maturity. Maximum of 6 transfers and withdrawals allowed.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $4,999Educator's Club Tier 1. Requires $100 minimum balance to earn interest. | 0.10% | — | Educator's Club Tier 1. Requires $100 minimum balance to earn interest. |
| $5,000 and upEducator's Club Tier 2. | 0.10% | $10 | Educator's Club Tier 2. |
Sources (2)
All captured Oct 15, 2026
Holiday Club
0.10%APY
Maturity date October 1. Subject to a 10% penalty fee if withdrawn prior to maturity. Minimum withdrawal amount is $250.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaturity date October 1.Any balance | 0.10% | $10 | Maturity date October 1. |
Sources (2)
All captured Oct 15, 2026
Vacation Club Savings Account
0.10%APY · 1 term
12-month savings program. Account funds released on the first of the month, 12 months after open date, and transferred to primary savings or checking. No monthly service fees. Subject to a 10% penalty fee if withdrawn prior to maturity. Minimum withdrawal amount is $250.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaturity date first of the month, 12 months after start date | 0.10% | $10 |
Sources (2)
All captured Oct 15, 2026
Individual Retirement Account
0.01%APY
Available as Traditional or Roth IRA savings. Minimum opening deposit is $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $19,999Tier 1 balance tier. | 0.01% | $1 | Tier 1 balance tier. |
| $20,000 – $49,999Tier 2 balance tier. | 0.05% | — | Tier 2 balance tier. |
| $50,000 and upTier 3 balance tier. | 0.05% | — | Tier 3 balance tier. |
Sources (2)
All captured Oct 15, 2026
Who can join First Harvest Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and affiliates of partner Select Employer Groups (SEGs) and local partner organizations across Southern New Jersey are eligible for membership.
Membership information collected October 5, 2026.