What are the current interest rates at Harvard Community Credit Union?

Current rates for Harvard Community Credit Union include: MMA: 0.05%

☰

Home›
Credit Unions›
Harvard Community Credit Union

iAdvertiser Disclosure

Harvard Community Credit Union Rates & Review March 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 27, 2026

Harvard Community Credit Union's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Harvard Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.81%. Rates were last updated on 03/27/2026.

Harvard Community 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 Harvard Community Credit Union? Share your experience about Harvard Community Credit Union by leaving a review below, or read customer reviews before you decide to use Harvard Community Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.81%

Excellent Higher than avg

Harvard Community Credit Union
HCCU

1200 S DIVISION ST
HARVARD, IL 60033 8601

https://www.harvardccu.org

Harvard Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.50%	0.50%
Min Balance $300,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Money Market	0.35%	0.35%
Min Balance $100,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Money Market	0.15%	0.15%
Min Balance $25,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Money Market	0.10%	0.10%
Min Balance $10,000 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Money Market	0.05%	0.05%
Min Balance $500 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Harvard Community 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 Harvard Community 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 Harvard Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Harvard Community Credit Union

Website https://www.harvardccu.org

Address 1200 S DIVISION ST, HARVARD, IL 60033 8601

Phone 815-943-6500

Fax 815-943-7729

President JON WARNECKE

CEO Connie Anderson

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.81%

Return on Assets (ROA)

-2.1150%

Return on Equity (ROE)

-27.8731%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

19,981,753

Total Amount of Shares and Deposits

18,340,338

Total Shares and Deposits < 1 Year

18,340,339

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

1,215,646

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

1,215,646

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

17,124,692

Total Interest Expense (Sum of items 6 8)

281,660

Share Certificates

128

Number of Accounts for Share Drafts

788

Number of Accounts for Regular Shares

2,315

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

-422,750

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

753,866

Total Liabilities

18,466,239

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Harvard Community Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Harvard Community Credit Union

Frequently Asked Questions About Harvard Community Credit Union

Is Harvard Community Credit Union a safe place to deposit money?

Yes, Harvard Community Credit Union is considered a safe financial institution. With a Texas Ratio of 6.8130912870733%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Harvard Community Credit Union operate?

Harvard Community 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 Harvard Community Credit Union?

Yes, to access services at Harvard Community 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, Harvard Community 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, Harvard Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Harvard Community Credit Union offer online and mobile banking?

Most modern institutions like Harvard Community 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.harvardccu.org.