# Harvard Federal Credit Union CD and share certificate rates

As of October 22, 2026, Harvard Federal Credit Union's highest tracked CD (share certificate) rate is 4.35% APY on a 60-month CD ($1,000 minimum). That is 3.1 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.00% to 4.35% APY.

Canonical page: https://apyledger.com/cd-rates/harvard-federal-credit-union
Institution: Harvard Federal Credit Union (NCUA 24959)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:09.000Z (October 22, 2026)
Official source: https://harvardfcu.org/savings/rates/
Coverage: Membership required. Certificates from 3 to 60 months and 5-, 8-, 11- and 15-month specials, each with a $1,000 minimum. IRA certificates are excluded. Early withdrawal penalties will be imposed.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Certificate | standard | 3 months | $1,000 | 3.40% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 5 Month Certificate Special 1 | promotional | 5 months | $1,000 | 3.85% | Not ZIP-priced | −0.54% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 6 Month Featured Certificate | promotional | 6 months | $1,000 | 3.60% | Not ZIP-priced | −0.80% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 8 Month Certificate Special 1 | promotional | 8 months | $1,000 | 3.85% | Not ZIP-priced | −0.60% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 9 Month Featured Certificate | promotional | 9 months | $1,000 | 3.60% | Not ZIP-priced | −0.88% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 11 Month Certificate Special 1 | promotional | 11 months | $1,000 | 3.95% | Not ZIP-priced | −0.59% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 12 Month Certificate | standard | 12 months | $1,000 | 2.00% | Not ZIP-priced | −2.57% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 15 Month Certificate Special 1 | promotional | 15 months | $1,000 | 4.10% | Not ZIP-priced | −0.55% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 18 Month Certificate | standard | 18 months | $1,000 | 2.25% | Not ZIP-priced | −2.47% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 24 Month Certificate | standard | 24 months | $1,000 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 36 Month Certificate | standard | 36 months | $1,000 | 4.30% | Not ZIP-priced | −0.65% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |
| 60 Month Certificate | standard | 60 months | $1,000 | 4.35% | Not ZIP-priced | −0.66% | 2026-10-23T02:10:09.000Z | [Snapshot 852](https://apyledger.com/snapshots/852) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.