Savings Accounts


You deserve innovative plans that allow you the flexibility to save your way. The Harvard Credit Union is all about providing the savings solutions that best fit your lifestyle. Whether you are just starting out or preparing for retirement, we've got an account that will make achieving your goals a whole lot easier.

Credit Union Savings Accounts include:

Share Savings Account

It's your ownership share in the credit union and every member has one.  This account is interest bearing and is accessible through an ATM.  A minimum balance is required.

Club Accounts

These single-purpose savings accounts are designed to help you save for specific expenses such as holiday shopping or vacations.  The account works best when contributions are made via payroll deduction.  The account is interest bearing and has a one-time transfer to your HUECU savings account.

  • The Holiday Club disbursement date is October 31.
  • The Vacation Club disbursement date is April 30.

Money Market Account

Great for medium-to-long range savings if you don't want to be locked in to any term.  Dividend rates on this account are tiered based on the balance.  The account allows six transfers per month and is not accessible through an ATM. 

Term Share Certificates

These accounts feature the Credit Union's highest savings rates.  We offer a variety of term options from 3 months to 5 years.  Members with a Crimson Elite checking account can earn bonus rates on CDs.

Individual Retirement Accounts

Save for your retirement with either a Roth or Traditional IRA.  These accounts are also available as IRA Share Certificates with terms from 18 to 60 months.*

Open a Savings Account Today!  You can apply online or come in to any one of our branches.  You can also call 617.495.4460 or email for more information about this or any of our other services. Our dividend rates are updated monthly.  Click here to see the current rates.

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