Harvest

P.O. Box 2216, Heath, OH 43056

NCUA Insured3.8 (17 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1970

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

Membership Eligibility

Anyone who lives, works, or worships in or around Heath, OH may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1970

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

P.O. Box 2216

Heath, OH 43056

Google Maps 🗺Waze

(740) 522-5277

Service Area

This credit union is located in Heath and serves members in the OH area. Currently serving 2,267 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

5.74%

Used Auto Loan

6.49%

Personal Loan

13.90%

Credit Card APR

8.90%

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 OH

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

Plumbers 55— New Auto Loan

Brooklyn Height, OH

2.99%

Plumbers 55— Used Auto Loan

Brooklyn Height, OH

3.99%

Ohio Teamsters— Personal Loan

Independence, OH

3.30%

General Electric— Credit Card APR

Cincinnati, OH

6.86%

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

Branches & Locations(4 total)

Member Reviews

3.8

17 Google reviews

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

View on Google Maps

Mac Crain

a year ago

Harvest Federal Credit Union is polite and communicative customer service but slow. However, they aren't very car loan-friendly for younger individuals (with excellent credit) and have been noted for not respecting privacy for new customers.

J.B. Evans

5 years ago

Great place to work with! Customer service is outstanding. The staff is made up of long time employees that know who you are when you walk in or call. We moved out of state and still choose to do our business with them. They partnered us with a local Credit Union for any face to face transactions, but just a phone call to Harvest during business hours or their online services seem to handle most of our needs. Thank you Harvest for loyalty to your customers!

Tim Dale

7 years ago

My girlfriend's online account was completely accessible while they were re-doing their online banking for several days. We had no way to do any kind of banking. Better yet a couple hundred dollars was MISSING from this account for several days after the new online banking was put up. This is pathetic and unacceptable. It also would appear that there are hidden fees associated with our credit card there that we DO NOT USE. We only leave it open for established credit history but it seems like every month we have a new $20 bill? The hours here are terrible and it is basically impossible to get any banking done if you work a normal schedule. It is especially worse when you are no longer local, like we are. When we refinanced our car that was previously at Harvest Federal the payoff letter they gave us to give to the new lein holder was a mostly blank paper with no letter head that just had the owed amount stated. This "credit union" appears to be no more than a scam preying on the locals here. If you're considering banking here I implore you to do anything else with your money. Putting it in a pit in the ground would probably be more productive.