Welcome to Harvard University Employees Credit Union

Savings/Investments

	Minimum Opening Balance	Dividend Paid*	Terms
Share Savings	$25.00	YES	OPEN

Money Market Savings	$1,500	YES Amount of dividend paid based on balance; $10 minimum balance to earn interest	OPEN

IRA Shares	N/A	YES	OPEN

Holiday Club Account	$1.00	YES	Call for information

Vacation Club Account	$1.00	YES	Call for information

Term Share Certificates Special benefits to members with Crimson Checking*	$1,000	YES Amount of dividend paid based on term of certificate	6, 12, 24, 36 and 60 month terms

IRA Term Share Certificates	$1,000	YES Amount of dividend paid based on term of certificate	18, 36 and 60 month terms
* Current dividend information. Penalties for early withdrawal will be imposed. A withdrawal will reduce earnings. * Members with a Crimson Checking account are entitled to the following Share Certificate benefits: One Time Add-On Feature - you may add on to your certificate ONE time up to the original amount. Bring original Certificate to a branch to add to the principal amount. 10 Day Rate Guarantee - we guarantee that if certificate rates (for the SAME term) increase within 10 days from the date you opened your certificate, we will automatically increase the rate to the higher rate.