Harvard Federal Credit Union is a member-owned financial institution serving individuals connected to the Harvard University community, including employees, students, and affiliated organizations. Established to provide accessible financial services, the credit union emphasizes the cooperative principle, operating as a nonprofit cooperative with aims aligned to member benefit rather than profit maximization. Its structure and governance are designed to reflect member ownership, with a board of directors elected by credit union members and oversight through regular member meetings and reporting.
The organization focuses on delivering financial products and services that support day-to-day banking, savings, and lending needs within a community-oriented framework. Historically, Harvard Federal Credit Union has developed programs and services to address the specific financial circumstances of its membership, expanding its operations to accommodate growth in membership and service options. Its scope includes branches and digital access intended to facilitate convenient financial management while maintaining compliance with applicable regulatory standards. The institution places emphasis on financial education and member engagement as part of its ongoing mission.
Better than 40% of providers in Cambridge
In addition to the primary service, Harvard Federal Credit Union also offers:
Other providers in Cambridge with similar ratings:
Harvard Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Harvard Federal Credit Union is listed as a financial service provider in Cambridge, MA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Harvard Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Harvard Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Harvard Federal Credit Union with other providers in Cambridge and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Harvard Federal Credit Union has a rating of 3.6, which is better than 40% of providers in Cambridge.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Harvard Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Harvard Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Harvard Federal Credit Union also offers: Credit union, ATM.