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First Harvest Federal Credit Union

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First Harvest Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at First Harvest Federal Credit Union?

Current rates for First Harvest Federal Credit Union include: 12-Month CD: 0.90%, 18-Month CD: 3.60%, 24-Month CD: 4.25%, 60-Month CD: 2.90%, Savings: 3.00%, MMA: 3.00%

Q: What CD terms does First Harvest Federal Credit Union offer?

First Harvest Federal Credit Union CD rates are 4.05% APY for an 11 month CD, 0.90% APY for a 12 month CD, 4.10% APY for a 15 month CD, 3.60% APY for an 18 month CD, 4.25% APY for a 2 year CD and 2.90% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with First Harvest Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

First Harvest Federal Credit Union's 24 Month CD rates are at 4.25%, CD - 24 Month rates are at 4.25%, 15 Month CD rates are at 4.10%, CD - 15 Month rates are at 4.10%, 11 Month CD rates are at 4.05%. First Harvest Federal Credit Union's savings rates are at 3.00%. First Harvest Federal Credit Union's money market rates are at 3.00%. First Harvest Federal Credit Union's checking rates are as high as 2.00%. First Harvest Federal Credit Union's Personal Loan Rates are as low as 10.24%. First Harvest Federal Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of First Harvest Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.18%. Rates last updated and verified on 10/31/2026.

First Harvest Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Harvest Federal Credit Union? Share your experience about First Harvest Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Harvest Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.18%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Harvest Federal Credit Union
Corporate Center

1615 Hurffville Rd
Deptford, NJ 08096

https://www.firstharvestcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Harvest Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month IRA Share Certificate	4.17%	4.25%	24 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15% Sep 24, 20264.25%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
24 Month Share Certificate	4.17%	4.25%	24 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.17% → 4.25% ▲ 0.08 pts · high 4.25% / low 4.17% Oct 14, 20264.25%▲ from 4.17% Sep 24, 20264.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 24 Month IRA	4.17%	4.25%	24 Month
Details APY listed paid on $500 minimum balance; Must open with $500 minimum in new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 24 Month	4.17%	4.25%	24 Month
Details Must open with $500 minimum in new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
15 Month IRA Share Certificate	4.02%	4.10%	15 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 4.25% → 4.10% ▼ 0.15 pts · high 4.25% / low 4.10% Sep 24, 20264.10%▼ from 4.25% Sep 18, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
15 Month Share Certificate	4.02%	4.10%	15 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.02% → 4.10% ▲ 0.08 pts · high 4.10% / low 4.02% Oct 14, 20264.10%▲ from 4.02% Sep 24, 20264.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 15 Month IRA	4.02%	4.10%	15 Month
Details APY listed paid on $500 minimum balance; Must open with $500 minimum in new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 15 Month	4.02%	4.10%	15 Month
Details Must open with $500 minimum in new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month IRA Share Certificate	3.98%	4.05%	11 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 0.90% → 4.05% ▲ 3.15 pts · high 4.05% / low 0.90% Sep 24, 20264.05%▲ from 0.90% Sep 18, 20260.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month Share Certificate	3.98%	4.05%	11 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 11 Month IRA	3.98%	4.05%	11 Month
Details APY listed paid on $500 minimum balance; Must open with $500 minimum in new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 11 Month	3.98%	4.05%	11 Month
Details Must open with $500 minimum in new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month IRA Share Certificate	3.54%	3.60%	18 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month Share Certificate	3.54%	3.60%	18 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.54% → 3.60% ▲ 0.06 pts · high 3.60% / low 3.54% Oct 14, 20263.60%▲ from 3.54% Sep 24, 20263.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 18 Month IRA	3.54%	3.60%	18 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 18 Month	3.54%	3.60%	18 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
13 Month IRA Share Certificate	2.86%	2.90%	13 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
13 Month Share Certificate	2.86%	2.90%	13 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 2.86% → 2.90% ▲ 0.04 pts · high 2.90% / low 2.86% Oct 14, 20262.90%▲ from 2.86% Sep 24, 20262.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month IRA Share Certificate	2.86%	2.90%	36 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month Share Certificate	2.86%	2.90%	36 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 2.86% → 2.90% ▲ 0.04 pts · high 2.90% / low 2.86% Oct 14, 20262.90%▲ from 2.86% Sep 24, 20262.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month IRA Share Certificate	2.86%	2.90%	48 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month Share Certificate	2.86%	2.90%	48 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 2.86% → 2.90% ▲ 0.04 pts · high 2.90% / low 2.86% Oct 14, 20262.90%▲ from 2.86% Sep 24, 20262.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month IRA Share Certificate	2.86%	2.90%	60 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month Share Certificate	2.86%	2.90%	60 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 2.86% → 2.90% ▲ 0.04 pts · high 2.90% / low 2.86% Oct 14, 20262.90%▲ from 2.86% Sep 24, 20262.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
7 Month Share Certificate	2.86%	2.90%	7 Month
Min Deposit $500 Min Balance $500 Details Online Only; APY listed paid on $500 minimum balance; must be opened online at FirstHarvestCU.com or other digital channels; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 13 Month IRA	2.86%	2.90%	13 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 36 Month IRA	2.86%	2.90%	36 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 48 Month IRA	2.86%	2.90%	48 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 60 Month IRA	2.86%	2.90%	60 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 13 Month	2.86%	2.90%	13 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 36 Month	2.86%	2.90%	36 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 48 Month	2.86%	2.90%	48 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 60 Month	2.86%	2.90%	60 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 7 Month (Online Only)	2.86%	2.90%	7 Month
Details Online Only; Must be opened online at FirstHarvestCU.com or other First Harvest digital channels; not available at First Harvest branch locations; Must open with $500 minimum in new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 7 Month (Online Only)	2.86%	2.90%	7 Month
Min Balance $500 Details Online Only; Must be opened online at FirstHarvestCU.com or other First Harvest digital channels, not at branch locations; Must open with $500 minimum in new money or have a First Harvest Checking Account; APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
10 Month IRA Share Certificate	0.90%	0.90%	10 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
10 Month Share Certificate	0.90%	0.90%	10 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month IRA Share Certificate	0.90%	0.90%	12 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month Share Certificate	0.90%	0.90%	12 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month IRA Share Certificate	0.90%	0.90%	3 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month Share Certificate	0.90%	0.90%	3 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month IRA Share Certificate	0.90%	0.90%	6 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month Share Certificate	0.90%	0.90%	6 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
8 Month IRA Share Certificate	0.90%	0.90%	8 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
8 Month Share Certificate	0.90%	0.90%	8 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month IRA Share Certificate	0.90%	0.90%	9 Month
Min Deposit $500 Min Balance $500 Details IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month Share Certificate	0.90%	0.90%	9 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 10 Month IRA	0.90%	0.90%	10 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 12 Month IRA	0.90%	0.90%	12 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 3 Month IRA	0.90%	0.90%	3 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 6 Month IRA	0.90%	0.90%	6 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 8 Month IRA	0.90%	0.90%	8 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate - 9 Month IRA	0.90%	0.90%	9 Month
Details APY listed paid on $500 minimum balance Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 10 Month	0.90%	0.90%	10 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 12 Month	0.90%	0.90%	12 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 3 Month	0.90%	0.90%	3 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 6 Month	0.90%	0.90%	6 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 8 Month	0.90%	0.90%	8 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate - 9 Month	0.90%	0.90%	9 Month
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Business CD Rates

Product	Rate	APY	Term
24 Month Business Share Certificate	4.17%	4.25%	24 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15% Sep 24, 20264.25%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
15 Month Business Share Certificate	4.02%	4.10%	15 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 4.25% → 4.10% ▼ 0.15 pts · high 4.25% / low 4.10% Sep 24, 20264.10%▼ from 4.25% Sep 18, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month Business Share Certificate	3.98%	4.05%	11 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 0.90% → 4.05% ▲ 3.15 pts · high 4.05% / low 0.90% Sep 24, 20264.05%▲ from 0.90% Sep 18, 20260.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month Business Share Certificate	3.54%	3.60%	18 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
13 Month Business Share Certificate	2.86%	2.90%	13 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month Business Share Certificate	2.86%	2.90%	36 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month Business Share Certificate	2.86%	2.90%	48 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month Business Share Certificate	2.86%	2.90%	60 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
10 Month Business Share Certificate	0.90%	0.90%	10 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month Business Share Certificate	0.90%	0.90%	12 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month Business Share Certificate	0.90%	0.90%	3 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month Business Share Certificate	0.90%	0.90%	6 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
8 Month Business Share Certificate	0.90%	0.90%	8 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month Business Share Certificate	0.90%	0.90%	9 Month
Min Deposit $500 Min Balance $500 Details Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Savings Rates

Product	Rate	APY
Growth Savings	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Offer valid for funds not currently on deposit with First Harvest; qualify by depositing additional $5,000 or more in new money Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Savings	2.97%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Savings	2.97%	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Savings	0.30%	0.30%
Min Balance $500,000 Details Balance: $500,000 or greater; Offer valid for funds not currently on deposit Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Educator's Club	0.10%	0.10%
Min Balance $100 Details Balance: $100 - $4,999 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Educator's Club	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 and Above Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Holiday Club	0.10%	0.10%
Details Maturity date October 1 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 and above; APY shown is paid on balances of $100 or more Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Vacation Club	0.10%	0.10%
Details Maturity date first of the month, 12 months after start date Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00; APY shown is paid on balances of $100 or more Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $999.99; Offer valid for funds not currently on deposit with First Harvest; qualify by depositing additional $5,000 or more in new money Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.01%	0.01%
Min Deposit $5 Min Balance $100 Details Balance: $100.00 - $4,999.99; APY shown is paid on balances of $100 or more Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Special Savings Rate	0.01%	0.01%
No additional details. Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Insurance Savings Rate	0.00%	0.00%
No additional details. Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Growth Savings	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Tier 2 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings	2.97%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Tier 3 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings	2.97%	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Tier 4 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000 or greater; Tier 5 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings	0.30%	0.30%
Min Balance $500,000 Details Balance: $500,000 or greater; Tier 5 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $999.99; Tier 1 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Money Market Rates

Product	Rate	APY
Non-Profit Money Market	2.97%	3.00%
Min Balance $1,000 Details Tier 2; Balance: $1,000 - $99,999.99 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Non-Profit Money Market	2.97%	3.00%
Min Balance $100,000 Details Tier 3; Balance: $100,000 - $249,999.99 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Non-Profit Money Market	2.97%	3.00%
Min Balance $250,000 Details Tier 4; Balance: $250,000 - $499,999.99 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Non-Profit Money Market	1.00%	1.00%
Min Balance $0 Details Tier 1; Balance: $0 - $999.99 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Non-Profit Money Market	0.50%	0.50%
Min Balance $500,000 Details Tier 5; Balance: $500,000 or greater Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Progressive Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 or greater; $1,500 minimum opening deposit and daily balance to avoid $10 monthly fee Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Progressive Money Market	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; $1,500 minimum opening deposit and daily balance to avoid $10 monthly fee Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Progressive Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99; $1,500 minimum opening deposit and daily balance to avoid $10 monthly fee Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 or greater; requires $1,500 minimum opening deposit and daily balance to avoid $10 monthly fee; must be opened at a First Harvest branch Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Money Market	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; requires $1,500 minimum opening deposit and daily balance to avoid $10 monthly fee; must be opened at a First Harvest branch Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99; requires $1,500 minimum opening deposit and daily balance to avoid $10 monthly fee; must be opened at a First Harvest branch Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Checking Rates

Product	Rate	APY
Growth Checking	1.99%	2.00%
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99; Tier 2; Monthly service fee of $4.99 may apply unless a $1,000 average daily balance or $500 monthly direct deposit is maintained Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Checking	1.99%	2.00%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99; Tier 3; Monthly service fee of $4.99 may apply unless a $1,000 average daily balance or $500 monthly direct deposit is maintained Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Checking	1.99%	2.00%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Tier 4; Monthly service fee of $4.99 may apply unless a $1,000 average daily balance or $500 monthly direct deposit is maintained Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Checking	1.99%	2.00%
Min Balance $25,000 Details Balance: $25,000.00 and above; Tier 5; Monthly service fee of $4.99 may apply unless a $1,000 average daily balance or $500 monthly direct deposit is maintained Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Free Checking	0.01%	0.01%
Details No Minimum Balance Required Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $999.99; Tier 1; Monthly service fee of $4.99 may apply unless a $1,000 average daily balance or $500 monthly direct deposit is maintained Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed-Rate Home Equity Loan	-	-	6.24%	60 Months
Details As Low As; Maximum 70% LTV; Rates reflect .50% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
1st Lien HELOC	-	-	6.50%
Details As Low As; Loan-To-Value (LTV): 80% LTV; Variable-rate HELOC based on Prime Rate Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
HELOC	-	-	6.50%
Details As low as; 80% LTV; variable-rate HELOC; lowest APR is Prime minus 50 bps; not labeled 2nd lien in source table Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Home Equity 1st Lien HELOC	-	-	6.50%
Details As Low As; 80% LTV; Variable rate based on Prime Rate (Prime Rate - 50 basis points); floor APR 3.50%, maximum APR 18% Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 24, 20266.50%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Home Equity 2nd Lien HELOC	-	-	6.50%
Details As Low As; 80% LTV; Variable rate based on Prime Rate (Prime Rate - 50 basis points); floor APR 3.50%, maximum APR 18% Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 24, 20266.50%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Fixed-Rate Home Equity Loan	-	-	6.74%	72-84 Months
Details As Low As; Maximum 70% LTV; Rates reflect .50% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Fixed-Rate Home Equity Loan	-	-	7.24%	96-120 Months
Details As Low As; Maximum 70% LTV; Rates reflect .50% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
1st Lien HELOC	-	-	7.50%
Details As Low As; Loan-To-Value (LTV): 81%-90% LTV; Variable-rate HELOC based on Prime Rate Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Home Equity 1st Lien HELOC	-	-	7.50%
Details As Low As; 81%-90% LTV; Variable rate based on Prime Rate (Prime Rate + 50 basis points); floor APR 3.50%, maximum APR 18% Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Sep 24, 20267.50%▲ from 7.25% Sep 18, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Fixed-Rate Home Equity Loan	-	-	7.74%	132-180 Months
Details As Low As; Maximum 70% LTV; Rates reflect .50% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
HELOC	-	-	8.00%
Details As low as; 81%-90% LTV; variable-rate HELOC; lowest APR is Prime plus 50 to 100 bps depending on lien; .25% automatic-payment reduction is a personal loan term, not stated for HELOCs Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Home Equity 2nd Lien HELOC	-	-	8.00%
Details As Low As; 81%-90% LTV; Variable rate based on Prime Rate (Prime Rate + 100 basis points); floor APR 3.50%, maximum APR 18% Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Sep 24, 20268.00%▲ from 7.75% Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New (under 20,000 miles) Auto Loan	-	-	4.99%	36-60 Months
Details As Low As; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account; Maximum loan amount $100,000 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
New (under 20,000 miles) Auto Loan	-	-	5.49%	72 Months
Details As Low As; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account; Maximum loan amount $100,000 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Used 2022-2026 Auto Loan	-	-	5.49%	36-60 Months
Details As Low As; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account; Maximum loan amount $100,000 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
New (under 20,000 miles) Auto Loan	-	-	5.99%	84 Months
Details As Low As; Minimum $25,000 loan; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Used 2018-2021 Auto Loan	-	-	5.99%	36-60 Months
Details As Low As; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account; Maximum loan amount $100,000 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Used 2022-2026 Auto Loan	-	-	5.99%	72 Months
Details As Low As; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account; Maximum loan amount $100,000 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Used 2018-2021 Auto Loan	-	-	6.49%	72 Months
Details As Low As; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account; Maximum loan amount $100,000 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Used 2022-2026 Auto Loan	-	-	6.49%	84 Months
Details As Low As; Minimum $25,000 loan; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
New (under 20,000 miles) Auto Loan	-	-	6.99%	96 Months
Details As Low As; Minimum $50,000 loan; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Used 2018-2021 Auto Loan	-	-	6.99%	84 Months
Details As Low As; Minimum $25,000 loan; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	5.99%	60 months
Details As Low As; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Motorcycle Loan	-	6.49%	72 months
Details As Low As; Minimum $25,000 loan; Rates reflect .25% reduction with Automatic Payments from a First Harvest Checking Account Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - 12 Months	10.24%	12 Months
Details As Low As; Minimum loan $1,000; Maximum loan $20,000; Rates reflect .25% reduction with Automatic Payments Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Personal Loan - 24 Months	10.74%	24 Months
Details As Low As; Minimum loan $2,500; Maximum loan $20,000; Rates reflect .25% reduction with Automatic Payments Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Personal Loan - 36 Months	10.99%	36 Months
Details As Low As; Minimum loan $5,000; Maximum loan $20,000; Rates reflect .25% reduction with Automatic Payments Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Personal Loan - 48 Months	11.49%	48 Months
Details As Low As; Minimum loan $7,500; Maximum loan $20,000; Rates reflect .25% reduction with Automatic Payments Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Personal Loan - 60 Months	11.99%	60 Months
Details As Low As; Minimum loan $10,000; Maximum loan $20,000; Rates reflect .25% reduction with Automatic Payments Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Individual Retirement	0.01%	-	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $19,999.00 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Individual Retirement	0.05%	-	0.05%
Min Deposit $1,000 Min Balance $20,000 Details Balance: $20,000.00 - $49,999.00 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Individual Retirement	0.05%	-	0.05%
Min Balance $50,000 Details Balance: $50,000.00 and Above Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Harvest Federal Credit Union’s Texas Ratio rose from 6.87% in Q3 2023 to 8.18% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$484M	8.18%	5.0	A
March 31, 2026	$473M	5.46%	5.0	A+
December 31, 2025	$458M	5.46%	5.0	A+
September 30, 2025	$451M	4.42%	5.0	A+
June 30, 2025	$450M	4.49%	5.0	A+
March 31, 2025	$439M	4.80%	5.0	A+
December 31, 2024	$435M	5.62%	5.0	A+
September 30, 2024	$450M	6.01%	5.0	A
June 30, 2024	$458M	4.50%	5.0	A+
March 31, 2024	$468M	4.77%	5.0	A+
December 31, 2023	$452M	7.12%	5.0	A
September 30, 2023	$462M	6.87%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Harvest Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather First Harvest Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Harvest Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Harvest Federal Credit Union

Website https://www.firstharvestcu.com

Address 1615 Hurffville Rd, Deptford, NJ 08096

Phone 856-374-9700

Fax 856-232-9190

President Loretta Winters

CEO Joseph Dinneen

Full-Time Employees 111

Part-Time Employees 6

Branch Locations 7

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.18%

Return on Assets (ROA)

0.1757%

Return on Equity (ROE)

2.1973%

Non-Performing Loans Ratio (NPL)

0.96%

Total Assets

484,464,092

Total Amount of Shares and Deposits

427,088,338

Total Shares and Deposits < 1 Year

400,638,122

Total Shares and Deposits 1 3 Years

25,677,540

Total Shares and Deposits > 3 Years

772,677

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

18,723,660

Total Uninsured Shares and Deposits > $250K (F+J)

18,723,660

Total Insured Shares and Deposits > $250K (item 17 less item K)

408,364,678

Total Interest Expense (Sum of items 6 8)

3,145,644

Share Certificates

1,610

Number of Accounts for Share Drafts

23,721

IRA KEOGH Accounts

1,255

Number of Accounts for Regular Shares

58,563

Non Member Deposits

Money Market Shares

536

Net Income (unless the amount is already included in Undivided Earnings)

851,368

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,510,671

Total Liabilities

451,616,765

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Harvest Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Harvest Federal Credit Union

Does First Harvest Federal Credit Union offer CDs?

Yes. First Harvest Federal Credit Union current CD rates include its 24 Month CD at 4.25% APY, its CD - 24 Month at 4.25% APY and its 15 Month CD at 4.10% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from First Harvest Federal Credit Union NCUA insured?

Yes. First Harvest Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Harvest Federal Credit Union?

The highest First Harvest Federal Credit Union CD rate is its 24 Month Business CD at 4.25% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does First Harvest Federal Credit Union offer?

First Harvest Federal Credit Union CD rates are 4.05% APY for an 11 month CD, 0.90% APY for a 12 month CD, 4.10% APY for a 15 month CD, 3.60% APY for an 18 month CD, 4.25% APY for a 2 year CD and 2.90% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with First Harvest Federal Credit Union for its full lineup.

What is the highest savings rate at First Harvest Federal Credit Union?

The highest First Harvest Federal Credit Union savings rate is its Business Growth Savings at 3.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at First Harvest Federal Credit Union?

The highest First Harvest Federal Credit Union money market rate is its Non-Profit Money Market at 3.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at First Harvest Federal Credit Union?

The highest First Harvest Federal Credit Union checking rate is its Growth Checking at 2.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at First Harvest Federal Credit Union?

The lowest First Harvest Federal Credit Union auto loan rate is its New (under 20,000 miles) Auto Loan at 4.99% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest personal loan rate at First Harvest Federal Credit Union?

The lowest First Harvest Federal Credit Union personal loan rate is its Personal Loan - 12 Months at 10.24% APR, verified by MonitorBankRates as of October 31, 2026. First Harvest Federal Credit Union personal loan rates are 10.24% APR for a 12 month personal loan, 10.74% APR for a 24 month personal loan, 10.99% APR for a 36 month personal loan, 11.49% APR for a 48 month personal loan and 11.99% APR for a 60 month personal loan.

How many branches does First Harvest Federal Credit Union operate?

First Harvest Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join First Harvest Federal Credit Union?

Yes, to access services at First Harvest Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, First Harvest Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Harvest Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Harvest Federal Credit Union offer online and mobile banking?

Most modern institutions like First Harvest Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstharvestcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Harvest Federal Credit Union rates compare?

First Harvest Federal Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A health rating. First Harvest Federal Credit Union's top rates are its 24 Month Business CD at 4.25% APY, its Business Growth Savings at 3.00% APY, its Non-Profit Money Market at 3.00% APY, its Growth Checking at 2.00% APY and its Personal Loan - 12 Months at 10.24% APR, verified by MonitorBankRates on October 31, 2026.

Current First Harvest Federal Credit Union Rates

12-Month CD0.90%
18-Month CD3.60%
24-Month CD4.25%
60-Month CD2.90%
Savings3.00%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

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First Harvest Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Harvest Federal Credit Union Texas Ratio

First Harvest Federal Credit Union Health Trend

First Harvest Federal Credit Union CD Rates

First Harvest Federal Credit Union Business CD Rates

First Harvest Federal Credit Union Savings Rates

First Harvest Federal Credit Union Business Savings Rates

First Harvest Federal Credit Union Money Market Rates

First Harvest Federal Credit Union Business Money Market Rates

First Harvest Federal Credit Union Checking Rates

First Harvest Federal Credit Union Home Equity & HELOC

First Harvest Federal Credit Union Auto Loan Rates

First Harvest Federal Credit Union RV, Boat and Powersport Loan Rates

First Harvest Federal Credit Union Personal Loan Rates

First Harvest Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Harvest Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Harvest Federal Credit Union

Does First Harvest Federal Credit Union offer CDs?

Are CDs from First Harvest Federal Credit Union NCUA insured?

What is the highest CD rate at First Harvest Federal Credit Union?

What CD terms does First Harvest Federal Credit Union offer?

What is the highest savings rate at First Harvest Federal Credit Union?

What is the highest money market rate at First Harvest Federal Credit Union?

What is the highest checking rate at First Harvest Federal Credit Union?

What is the lowest auto loan rate at First Harvest Federal Credit Union?

What is the lowest personal loan rate at First Harvest Federal Credit Union?

How many branches does First Harvest Federal Credit Union operate?

Is a member application needed to join First Harvest Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Harvest Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Harvest Federal Credit Union rates compare?

Current First Harvest Federal Credit Union Rates

Compare to Other Credit Unions