Credit union · NCUA insured
Harvard Federal Credit Union CD Rates
Harvard Federal Credit Union’s best CD rate is 4.35% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Harvard Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Harvard Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Harvard Federal Credit Union
4.35%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,373
Term Share Certificates
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Harvard Federal Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
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 Harvard Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificates
Up to 4.35%APY · 8 terms
Available to Harvard FCU members. Must maintain a minimum daily balance of $1,000 to earn posted APY. APY assumes principal and interest remain on deposit until maturity. Crimson Elite checking account holders receive an additional 0.10% bonus to dividend rate and APY. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 3.40% | $84 |
| 6 monthsFeatured certificate. Minimum daily balance of $1,000 must be maintained to earn posted APY | 3.60% | $178 |
| 9 monthsFeatured certificate. Minimum daily balance of $1,000 must be maintained to earn posted APY | 3.60% | $269 |
| 12 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 2.00% | $200 |
| 18 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 2.25% | $339 |
| 24 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 4.25% | $868 |
| 36 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 4.30% | $1,346 |
| 60 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 4.35% | $2,373 |
Sources (1)
- harvardfcu.org/savings/rates · captured Oct 5, 2026
Certificate Specials
Up to 4.10%APY · 4 terms
Limited-time certificate specials. Requires $1,000 minimum deposit to open and Harvard FCU membership. Minimum daily balance of $1,000 must be maintained to earn posted APY. Early withdrawal penalties apply. Crimson Elite bonus adds 0.10% APY. If not selected otherwise prior to expiration, rolls over automatically into a certificate of the next highest term length.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsAutomatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY | 3.85% | $159 |
| 8 monthsAutomatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY | 3.85% | $255 |
| 11 monthsAutomatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY | 3.95% | $361 |
| 15 monthsAutomatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY | 4.10% | $515 |
Sources (1)
- harvardfcu.org/savings/rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.35%APY · 8 terms
Available to Harvard FCU members for IRA accounts (Traditional, Roth, ESA). Requires $1,000 minimum opening balance. Minimum daily balance of $1,000 must be maintained to earn posted APY. APY assumes principal and interest remain on deposit until maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 3.40% | $84 |
| 6 monthsFeatured IRA certificate. Minimum daily balance of $1,000 must be maintained to earn posted APY | 3.60% | $178 |
| 9 monthsFeatured IRA certificate. Minimum daily balance of $1,000 must be maintained to earn posted APY | 3.60% | $269 |
| 12 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 2.00% | $200 |
| 18 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 2.25% | $339 |
| 24 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 4.25% | $868 |
| 36 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 4.30% | $1,346 |
| 60 monthsMinimum daily balance of $1,000 must be maintained to earn posted APY | 4.35% | $2,373 |
Sources (2)
All captured Oct 5, 2026
IRA Certificate Specials
Up to 4.10%APY · 4 terms
Limited-time IRA certificate specials. Requires $1,000 minimum deposit to open and Harvard FCU membership. Minimum daily balance of $1,000 must be maintained to earn posted APY. Early withdrawal penalties apply. If not selected otherwise prior to expiration, rolls over automatically into a certificate of the next highest term length.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsAutomatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY | 3.85% | $159 |
| 8 monthsAutomatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY | 3.85% | $255 |
| 11 monthsAutomatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY | 3.95% | $361 |
| 15 monthsAutomatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY | 4.10% | $515 |
Sources (1)
- harvardfcu.org/savings/rates · captured Oct 5, 2026
Who can join Harvard Federal Credit Union
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