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Harvard

104 Mount Auburn St Ste4, Cambridge, MA 02138
NCUA Insured3.5 (87 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1939

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

104 Mount Auburn St Ste4

Cambridge, MA 02138

Service Area

This credit union is located in Cambridge and serves members in the MA area. Currently serving 58,391 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.25%

Used Auto Loan

7.00%

Personal Loan

9.99%

Credit Card APR

15.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MA

Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

3.5

87 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Patrick Sean

Patrick Sean

3 months ago

This low end financial institution should be avoided. Since joining I have had numerous problems that could have been resolved with basic communication and civility. The credit union threatens, damages reputations and ignores reports of fraud. It’s okay. I have plenty of patience as I work with the regulators and my complaints are many.

Adam Moscatel

Adam Moscatel

5 months ago

What used to be Harvard Credit Union is no longer a credit union in any meaningful sense. Since being acquired and rebranded as Harvard Federal Credit Union, it’s clear the member-first mindset is gone. They now charge ridiculous, nickel-and-dime fees for basic banking functions that real credit unions don’t charge for. The software systems are clunky, outdated, and frustrating, making even simple tasks like moving money unnecessarily difficult. Online banking feels like it’s a decade behind. Any request outside the most basic transaction becomes a chore. Transfers take longer than they should, processes feel intentionally rigid, and nothing is intuitive. If you’re looking for a true credit union experience, modern tools, flexibility, and member-friendly policies, this isn’t it. They may still use the word “credit union,” but they operate like a small, inefficient bank with worse technology and more fees. Very disappointing transformation.

Linda hakim

Linda hakim

5 months ago

Awful and frustrating. An embarrassment to Harvard. When my CDs matured, they never contacted me in any way. Just left the money there, Then when I realized it had matured, I asked them to send me the money, But they offered to put it into another CD at a similar rate, so I agreed. When I checked, they had just left it there, because apparently the rate they had offered was only for new accounts. So sloppy! I'm switching.

Kathryn Callahan

Kathryn Callahan

9 months ago

If I could I would give the Harvard Federal credit Union no stars. They are not a reliable financial institution and you should never consider joining their credit union. I have been unable to access their credit card app since they did an update on August 25th. I am unable to lock and unlock my credit card and I am not able to pay my bill online through the app. I have called numerous times, the final time speaking with a supervisor. On Sept 4 they contacted the 3rd party company that oversees the app and requested to escalate the request to have the situation resolved quickly. I called today Sept 10th and the 3rd party company is still working on it and the credit union has NO idea when this situation will be resolved. After being a customer of this credit union for 42 years it is clearly time to take my business elsewhere.

C Moreno

C Moreno

a year ago

They advertised a referral promotion and are now becoming a joke and target in online communities that publicized the promotion. If I were the manager of this bank ... I'd be afraid to calculate how many people only opened accounts with the credit union to take advantage of the promotion, get the financial reward and have now left and don't use the bank at all ... because it's got to be a lot of money lost. Just warning the staff at this bank that you all are in for some negative reviews in the future because you ended this promotion before everyone in the online communities it got posted on could take advantage. The fact you had the promotion in the first place shows you are desperate for new accounts ... naive ... dumb ... or all of the above. I would say at a personal level ... I am disappointed because I would expect more from a place that is as smart as Harvard says it is ... but if they have to open up to random people like me, Harvard must not be all it's cracked up to be. 5 stars for me and my friends who got free money, 0 stars because the rest of my friends can't get free money. I'll give you 5 stars if you start the promotion again so more of my friends get free money ...

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).