Harvard Credit Union

Cambridge, Massachusetts
Last verified: August 3, 2026
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Verified rate book

Current Harvard Credit Union rates

37 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

1 offer
Harvard Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Mortgageother6.750% APR6.750%—Standard

Auto & vehicle rates

1 offer
Harvard Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto5.700% APR5.700%—Standard

HELOC rates

1 offer
Harvard Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loanheloc6.250% APR6.250%—Standard

Personal loan rates

1 offer
Harvard Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured9.740% APR9.740%—Standard

Savings & CD rates

33 offers
Harvard Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Vacation Clubsavings0.10% APY0.10%—Standard
Savingsshare_savings0.10% APY0.10%—Standard
IRA Money Marketira0.65% APY0.65%—Standard
Money Marketmoney_market0.65% APY0.65%—Standard
3-Month Certificatecd_3mo1.50% APY1.49%3 moStandard
3 Month Regular IRA Certificateira_cd_3mo1.50% APY1.49%3 moStandard
12-Month Certificatecd_12mo2.00% APY1.99%12 moStandard
12 Month Regular IRA Certificateira_cd_12mo2.00% APY1.99%12 moStandard
18 Month Regular IRA Certificateira_cd_18mo2.25% APY2.23%18 moStandard
18-Month Certificatecd_18mo2.25% APY2.23%18 moStandard
24-Month Certificatecd_24mo2.35% APY2.33%24 moStandard
24 Month Regular IRA Certificateira_cd_24mo2.35% APY2.33%24 moStandard
36-Month Certificatecd_36mo2.50% APY2.48%36 moStandard
36 Month Regular IRA Certificateira_cd_36mo2.50% APY2.48%36 moStandard
60-Month Certificatecd_60mo2.75% APY2.72%60 moStandard
60 Month Regular IRA Certificateira_cd_60mo2.75% APY2.72%60 moStandard
Smart Rewards Premium Interestsavings2.75% APY2.72%—Standard
6 Month Featured Certificatecd_6mo3.50% APY3.45%6 moStandard
9 Month Featured Certificatecd_9mo3.50% APY3.45%9 moStandard
6 Month Featured IRA Certificateira_cd_6mo3.50% APY3.45%6 moStandard
9 Month Featured IRA Certificateira_cd_9mo3.50% APY3.45%9 moStandard
Smart Rewards Savingssavings3.50% APY3.45%—Standard
15-Month IRA Certificateira_cd_15mo3.75% APY3.69%15 moStandard
11-Month Certificatecd_11mo3.75% APY3.69%11 moStandard
11-Month IRA Certificateira_cd_11mo3.75% APY3.69%11 moStandard
15-Month Certificatecd_15mo3.75% APY3.69%15 moStandard
5-Month IRA Certificateira_cd_5mo3.85% APY3.79%5 moStandard
5-Month Certificatecd_5mo3.85% APY3.85%5 moStandard
8-Month IRA Certificateira_cd_8mo3.85% APY3.79%8 moStandard
8-Month Certificatecd_8mo3.85% APY3.85%8 moStandard
8-Month Certificatecd_8mo3.85% APY3.79%8 moStandard
5-Month Certificatecd_5mo3.85% APY3.79%5 moStandard
9 Month OBC Certificatecd_9mo4.00% APY3.93%9 moStandard

As of August 3, 2026, Harvard Credit Union offers mortgage rates from 6.75% APR. Auto loans available from 5.7% APR. HELOC rates from 6.25% APR. Personal loan rates from 9.74% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from Harvard Credit Union's official website

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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. 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.

Cambridge FirefightersMain · Cambridge · MA · 02138-6700Branch in the same ZIPHanscomMount Auburn Hospital Branch · Cambridge · MA · 02138Branch in the same ZIPWebster FirstCambridge Teachers · Cambridge · MA · 02138Branch in the same ZIPSomerville MunicipalMain Office · Somerville · MA · 02144About 1.5 miles awayHealth AllianceHealth Alliance Federal Credit Union · Somerville · MA · 02143-1408About 2.0 miles awayNaveoSomerville · Somerville · MA · 02143About 2.0 miles away

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.

Membership via the Harvard affiliated organizations

  • AssociationHarvard affiliated organizations

Verified from Harvard Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Harvard Credit Union?

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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 August 3, 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 August 3, 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 mortgage rate?

As of August 3, 2026, Harvard Credit Union offers mortgage rates from 6.75% APR.

What are Harvard Credit Union's auto loan rates?

As of August 3, 2026, Harvard Credit Union offers auto loans from 5.7% APR.

What is Harvard Credit Union's HELOC rate?

As of August 3, 2026, Harvard Credit Union offers home equity lines of credit from 6.25% APR.

What is Harvard Credit Union's personal loan rate?

As of August 3, 2026, Harvard Credit Union offers personal loans from 9.74% APR.

What is Harvard Credit Union's best CD rate?

As of August 3, 2026, Harvard Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare Harvard Credit Union's rates against national credit-union benchmarks.

More Massachusetts credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Harvard Credit Union rates

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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"
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