Credit union · NCUA insured
Harvard Federal Credit Union
A $1.2B credit union, the 400th largest of 4,329, headquartered in Cambridge, MA, with 58,845 members and 6 branches in Massachusetts. Best rates: CDs 4.35% and savings 0.25% APY.
Harvard Federal Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#46 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Harvard Federal Credit Union
Harvard Federal Credit Union is a member-owned, federally chartered not-for-profit cooperative credit union founded in 1939.
The credit union specializes in home loans, offering home financing and mortgage refinancing options.
- Headquarters
- 104 Mount Auburn St Ste 4, Cambridge, MA 02138-5019
- NCUA charter
- 24959
Branches
6 branches in Massachusetts
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Massachusetts
6 branches
- 104 Mt AuburnMain office104 Mount Auburn St Ste 4, Cambridge, MA 02138Directions
- Mgh55 Fruit St, Boston, MA 02114Directions
- One Brigham Circle1614 Tremont St, Boston, MA 02120Directions
- Harvard Square Branch104 Mount Auburn St Ste 1, Cambridge, MA 02138Directions
- Charlestown Navy Yard149 13th St, Charlestown, MA 02129Directions
- Partners' Health399 Revolution Dr Rm 3E30, Somerville, MA 02145Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.81% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.13% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.28% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $109 | $88 | — |
- CapitalNet worth ratio8.81%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.13%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.28%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$109Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Harvard Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.