Harvard Undergrads get the best financial services at their very own Credit Union.



Why College Life?


Waive Goodbye to ATM Fees

We’ll never charge you an ATM fee, period. As for surcharges from other banks, we’ve got that covered too. Every month, you’ll automatically get your first $5 in surcharges refunded, and if you used your debit card for 12 purchases during the month, we’ll refund all of your surcharges1.


Free Incoming Wires

You’ve got to get the money here somehow, so it might as well be free.


Free Interbank Transfers

Bank to Credit Union to you and more, move your money and get money when you need it free of charge.


Free Checking

There is no monthly fee, no minimum balance, and we’ll even throw in your first order of checks.




 Free Account Access

Online Banking, Mobile Banking with Mobile Check Deposit and eStatements. All Free. And unlike some other places, we will never charge you to go to a teller in the branch.



FREE Passes on Fees

Sometimes, you just need to catch a break. We understand. That’s why you are given 3 FREE passes on any of the following fees you need to – no questions asked.

  • Insufficient Funds Fee
  • Stop Payment Fee
  • Late Payment Fee
  • International Card Usage Fee1
  • ATM/Debit Card Replacement Fee
  • Statement or Check Copy Fee
  • Deposited Item Returned Fee
  • Money Order Fee

Not to mention, they’re good for the duration of your College Life Account2. Ask any bank if they can say that!


Refer A Friend Bonus

Get $50 when you refer a friend to HUECU. Refer up to 5 friends and each time one of them joins, we’ll put $10 in your Checking Account and $10 in theirs too!

Good Eats for Good Grades

Get a $10 gift certificate for a local eatery each semester your GPA is 3.5 or better. To receive your reward, all you have to do is stop by any of our branch locations and present proof of your semester GPA.

Low-Rate Computer Loan

Now that you’re in college, you’ll need your own computer. With the College Life Account, you get access to low-rate loans toward the purchase of computer hardware, including printers and monitors, as well as software, accessories and other devices. 

Learn More     Apply Online

Financial Education & Workshops

Navigating your financial future can be a daunting task. Through our workshops, online tools, and branch resources, we’re committed to the financial education of our members.

1.All debit transactions must equal or exceed $5 and must be completed within calendar month to qualify. Refunds will be credited to checking account at the beginning of each month. Up to $15 in one statement cycle
2. Expire when account is migrated to a non-student checking option post-graduation.

branch & atm locator Over 5,000 shared branches and surcharge-free ATMs.