Credit union · NCUA insured
Harvard Federal Credit Union Savings Rates
Harvard Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Harvard Federal Credit Union’s savings 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
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
Smart Rewards Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Harvard Federal Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.55%
- QualifiedQualified3.50%
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 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.
Money Market
0.25%APY
Tiered interest rates that increase with balance. Up to six electronic transfers allowed per month. Minimum $10.00 to earn APY. Not accessible through an ATM machine.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Minimum to earn APY is $10.00. Rate applies to balances < $1,500. | 0.10% | — | Minimum to earn APY is $10.00. Rate applies to balances < $1,500. |
| $1,500 – $5,000Minimum to earn APY is $10.00. Rate applies to balances $1,500 – < $5k. | 0.15% | — | Minimum to earn APY is $10.00. Rate applies to balances $1,500 – < $5k. |
| $5,000 – $25,000Minimum to earn APY is $10.00. Rate applies to balances $5k – < $25k. | 0.25% | $25 | Minimum to earn APY is $10.00. Rate applies to balances $5k – < $25k. |
| $25,000 – $50,000Minimum to earn APY is $10.00. Rate applies to balances $25k – < $50k. | 0.25% | — | Minimum to earn APY is $10.00. Rate applies to balances $25k – < $50k. |
| $50,000 – $100,000Minimum to earn APY is $10.00. Rate applies to balances $50k – < $100k. | 0.45% | — | Minimum to earn APY is $10.00. Rate applies to balances $50k – < $100k. |
| $100,000 – $250,000Minimum to earn APY is $10.00. Rate applies to balances $100k – < $250k. | 0.55% | — | Minimum to earn APY is $10.00. Rate applies to balances $100k – < $250k. |
| $250,000 and upMinimum to earn APY is $10.00. Rate applies to balances over $250k. | 0.65% | — | Minimum to earn APY is $10.00. Rate applies to balances over $250k. |
Share Savings Account
0.10%APY
Represents ownership share in the Credit Union. No monthly maintenance fee with at least one other Harvard FCU loan or deposit account, or a $500 balance; otherwise a $2.50 monthly fee applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMonthly fee waived with at least one other Harvard FCU loan or deposit account, or average monthly balance over $500. Minimum daily balance of $10.00 required to earn APY.$10 and up | 0.10% | $10 | Monthly fee waived with at least one other Harvard FCU loan or deposit account, or average monthly balance over $500. Minimum daily balance of $10.00 required to earn APY. |
Sources (3)
All captured Oct 5, 2026
Smart Rewards Savings
0.00%APY on $10,000
Requires an attached Smart Rewards Checking account. Limit of one Smart Rewards Savings account per member. No monthly maintenance fees and no minimum balance required.
| Part of the balance | Rate on that part |
|---|---|
| $25,000 and up | 0.10% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Money Market
0.25%APY
Minimum $10.00 to earn APY. Early withdrawal penalties apply to retirement accounts if withdrawn prior to age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Minimum to earn APY is $10.00. Rate applies to balances < $1,500. | 0.10% | — | Minimum to earn APY is $10.00. Rate applies to balances < $1,500. |
| $1,500 – $5,000Minimum to earn APY is $10.00. Rate applies to balances $1,500 – < $5k. | 0.15% | — | Minimum to earn APY is $10.00. Rate applies to balances $1,500 – < $5k. |
| $5,000 – $25,000Minimum to earn APY is $10.00. Rate applies to balances $5k – < $25k. | 0.25% | $25 | Minimum to earn APY is $10.00. Rate applies to balances $5k – < $25k. |
| $25,000 – $50,000Minimum to earn APY is $10.00. Rate applies to balances $25k – < $50k. | 0.25% | — | Minimum to earn APY is $10.00. Rate applies to balances $25k – < $50k. |
| $50,000 – $100,000Minimum to earn APY is $10.00. Rate applies to balances $50k – < $100k. | 0.45% | — | Minimum to earn APY is $10.00. Rate applies to balances $50k – < $100k. |
| $100,000 – $250,000Minimum to earn APY is $10.00. Rate applies to balances $100k – < $250k. | 0.55% | — | Minimum to earn APY is $10.00. Rate applies to balances $100k – < $250k. |
| $250,000 and upMinimum to earn APY is $10.00. Rate applies to balances over $250k. | 0.65% | — | Minimum to earn APY is $10.00. Rate applies to balances over $250k. |
Sources (2)
All captured Oct 5, 2026
Holiday Club
0.10%APY · 1 term
Fixed term from November 1 to October 31. Maximum balance of $10,000. Funds automatically transfer in one lump sum to your Harvard FCU savings account on November 1.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum daily balance of $10.00 required to earn posted APY. Fixed term runs from 11/1 to 10/31 | 0.10% | $10 |
Vacation Club
0.10%APY · 1 term
Fixed term from May 1 to April 30. Maximum balance of $10,000. Funds automatically transfer in one lump sum to your Harvard FCU savings account on May 1.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum daily balance of $10.00 required to earn posted APY. Fixed term runs from 5/1 to 4/30 | 0.10% | $10 |
Who can join Harvard Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.