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: 3.15%, 60-Month CD: 2.90%, Savings: 0.01%, MMA: 0.05%

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First Harvest Federal Credit Union

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First Harvest Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

First Harvest Federal Credit Union's 15 Month Business CD rates are at 4.25%, 15 Month IRA CD rates are at 4.25%, 15 Month IRA CD rates are at 4.25%, 15 Month CD rates are at 4.25%, 15-Month Share & IRA CD rates are at 4.25%. First Harvest Federal Credit Union's savings rates are at 0.01%. First Harvest Federal Credit Union's money market rates are at 0.05%. First Harvest Federal Credit Union's Auto Loan Rates are as low as 4.99%. 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 5.46%. Rates last updated and verified on 09/18/2026.

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

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.46%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Harvest Federal Credit Union
Corporate Center

1615 Hurffville Rd
Deptford, NJ 08096

https://www.firstharvestcu.com

First Harvest Federal Credit Union CD Rates

Product	Rate	APY	Term
15 Month Business Share Certificate	4.17%	4.25%	15 Month
Min Balance $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
15 Month Business Share Certificate	4.17%	4.25%	15 Month
Details All Business Accounts must be opened at a First Harvest branch. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
15 Month IRA Share Certificate	4.17%	4.25%	15 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
15 Month IRA Share Certificate	4.17%	4.25%	15 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
15 Month Share Certificate	4.17%	4.25%	15 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
15-Month Share & IRA Certificate	4.25%	4.25%	15 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
18 Month Business Share Certificate	3.54%	3.60%	18 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
18 Month Business Share Certificate	3.54%	3.60%	18 Month
Details All Business Accounts must be opened at a First Harvest branch. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
18 Month IRA Share Certificate	3.54%	3.60%	18 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
18 Month IRA Share Certificate	3.54%	3.60%	18 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
18 Month Share Certificate	3.54%	3.60%	18 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
18-Month Share & IRA Certificate	3.60%	3.60%	18 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
24 Month Business Share Certificate	3.11%	3.15%	24 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
24 Month Business Share Certificate	3.11%	3.15%	24 Month
Details All Business Accounts must be opened at a First Harvest branch. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
24 Month IRA Share Certificate	3.11%	3.15%	24 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
24 Month IRA Share Certificate	3.11%	3.15%	24 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
24 Month Share Certificate	3.11%	3.15%	24 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
13 Month Business Share Certificate	2.86%	2.90%	13 Month
Min Balance $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
13 Month Business Share Certificate	2.86%	2.90%	13 Month
Details All Business Accounts must be opened at a First Harvest branch. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
13 Month IRA Share Certificate	2.86%	2.90%	13 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
13 Month IRA Share Certificate	2.86%	2.90%	13 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
13 Month Share Certificate	2.86%	2.90%	13 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
36 Month Business Share Certificate	2.86%	2.90%	36 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
36 Month Business Share Certificate	2.86%	2.90%	36 Month
Details All Business Accounts must be opened at a First Harvest branch. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
36 Month IRA Share Certificate	2.86%	2.90%	36 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
36 Month IRA Share Certificate	2.86%	2.90%	36 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
36 Month Share Certificate	2.86%	2.90%	36 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
48 Month Business Share Certificate	2.86%	2.90%	48 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
48 Month Business Share Certificate	2.86%	2.90%	48 Month
Details All Business Accounts must be opened at a First Harvest branch. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
48 Month IRA Share Certificate	2.86%	2.90%	48 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
48 Month IRA Share Certificate	2.86%	2.90%	48 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
48 Month Share Certificate	2.86%	2.90%	48 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
60 Month Business Share Certificate	2.86%	2.90%	60 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
60 Month Business Share Certificate	2.86%	2.90%	60 Month
Details All Business Accounts must be opened at a First Harvest branch. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
60 Month IRA Share Certificate	2.86%	2.90%	60 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
60 Month IRA Share Certificate	2.86%	2.90%	60 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
60 Month Share Certificate	2.86%	2.90%	60 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
7 Month Share Certificate	2.86%	2.90%	7 Month
Details Term: 7 Month (Online Only); Online Only Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
10 Month Business Share Certificate	0.90%	0.90%	10 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
10 Month Business Share Certificate	0.90%	0.90%	10 Month
Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
10 Month IRA Share Certificate	0.90%	0.90%	10 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
10 Month IRA Share Certificate	0.90%	0.90%	10 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
10 Month Share Certificate	0.90%	0.90%	10 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
11 Month Business Share Certificate	0.90%	0.90%	11 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
11 Month Business Share Certificate	0.90%	0.90%	11 Month
Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
11 Month IRA Share Certificate	0.90%	0.90%	11 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
11 Month IRA Share Certificate	0.90%	0.90%	11 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
11 Month Share Certificate	0.90%	0.90%	11 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
12 Month Business Share Certificate	0.90%	0.90%	12 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
12 Month Business Share Certificate	0.90%	0.90%	12 Month
Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
12 Month IRA Share Certificate	0.90%	0.90%	12 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
12 Month IRA Share Certificate	0.90%	0.90%	12 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
12 Month Share Certificate	0.90%	0.90%	12 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
3 Month Business Share Certificate	0.90%	0.90%	3 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
3 Month Business Share Certificate	0.90%	0.90%	3 Month
Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
3 Month IRA Share Certificate	0.90%	0.90%	3 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
3 Month IRA Share Certificate	0.90%	0.90%	3 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
3 Month Share Certificate	0.90%	0.90%	3 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
6 Month Business Share Certificate	0.90%	0.90%	6 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
6 Month Business Share Certificate	0.90%	0.90%	6 Month
Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
6 Month IRA Share Certificate	0.90%	0.90%	6 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
6 Month IRA Share Certificate	0.90%	0.90%	6 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
6 Month Share Certificate	0.90%	0.90%	6 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
8 Month Business Share Certificate	0.90%	0.90%	8 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
8 Month Business Share Certificate	0.90%	0.90%	8 Month
Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
8 Month IRA Share Certificate	0.90%	0.90%	8 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
8 Month IRA Share Certificate	0.90%	0.90%	8 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
8 Month Share Certificate	0.90%	0.90%	8 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
9 Month Business Share Certificate	0.90%	0.90%	9 Month
Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
9 Month Business Share Certificate	0.90%	0.90%	9 Month
Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
9 Month IRA Share Certificate	0.90%	0.90%	9 Month IRA
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
9 Month IRA Share Certificate	0.90%	0.90%	9 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
9 Month Share Certificate	0.90%	0.90%	9 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

First Harvest Federal Credit Union Savings Rates

Product	Rate	APY
Business Growth Savings Account	2.97%	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	2.97%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Growth Savings	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Growth Savings	2.97%	3.00%
Min Balance $1,000 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. You may qualify by depositing an additional $5,000 or more in new money. Contact us for details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	2.97%	3.00%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	2.97%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Balance: $100,000 - $249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	2.97%	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Balance: $250,000 - $499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Growth Savings	0.30%	0.30%
Min Balance $500,000 Details Balance: $500,000 or greater; Offer valid for funds not currently on deposit with First Harvest Credit Union. You may qualify by depositing an additional $5,000 or more in new money. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	0.30%	0.30%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Savings	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 or greater Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Educator's Club - Tier 1	0.10%	0.10%
Min Balance $100 Details Balance: $100 - $4,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Educator's Club - Tier 2	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 and Above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Holiday Club	0.10%	0.10%
Details Maturity date October 1 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.00 and above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Vacation Club	0.10%	0.10%
Details Maturity date first of the month, 12 months after start date Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Savings	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Growth Savings	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000.00 - $49,999.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Growth Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000.00 and Above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000.00 - $49,999.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000.00 and Above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Growth Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $19,999.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	0.01%	0.01%
Min Balance $100 Details Balance: $100.00 - $4,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Primary Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $19,999.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Special Savings Rate	0.01%	0.01%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

First Harvest Federal Credit Union Money Market Rates

Product	Rate	APY
Non-Profit Money Market	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Non-Profit Money Market	2.97%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Non-Profit Money Market	2.97%	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Non-Profit Money Market	1.00%	1.00%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Non-Profit Money Market	1.00%	1.00%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Non-Profit Money Market	0.50%	0.50%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Progressive Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 or greater Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Money Market	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Progressive Money Market	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Progressive Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

First Harvest Federal Credit Union Checking Rates

Product	Rate	APY
Free Checking	1.99%	2.00%
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Free Checking	1.99%	2.00%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Free Checking	1.99%	2.00%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Free Checking	1.99%	2.00%
Min Balance $25,000 Details Balance: $25,000.00 and above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Growth Checking	1.99%	2.00%
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Free Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Growth Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

First Harvest Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Fixed-Rate Home Equity Loans	-	-	6.25%
Details Loan-To-Value (LTV): 80% LTV Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home Equity 1st Lien HELOC	6.25%	-	6.25%
Details Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate - 50 basis points. Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points. Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $250,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home Equity 2nd Lien HELOC	6.25%	-	6.25%
Details Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate - 50 basis points. Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points. Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $250,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Fixed-Rate Home Equity Loans	-	-	7.25%
Details Loan-To-Value (LTV): 81%-90% LTV Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home Equity 1st Lien HELOC	7.25%	-	7.25%
Details Condition: 81%-90% LTV. Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate - 50 basis points. Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points. Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $250,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Fixed-Rate Home Equity Loans	-	-	7.75%
Details 81%-90% LTV Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home Equity 2nd Lien HELOC	7.75%	-	7.75%
Details Condition: 81%-90% LTV. Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate - 50 basis points. Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points. Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $250,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home Equity Loan	-	-	7.75%
Details Loan-To-Value (LTV): 81%-90% LTV Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

First Harvest Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
new auto loan	4.99%	-	4.99%
Details As Low As; Apply in Minutes Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

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

Product	Rate	APR	Term
Motorcycle Loans	-	5.99%	60 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Motorcycle Loans (min.	-	6.49%	72 months
Details $25,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

First Harvest Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New (under 20,000 miles) Loan	-	-	5.99%	84 Months
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New (under 20,000 miles) Loan	-	-	6.99%	96 Months
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New (under 20,000 miles) Loan	-	-	6.99%	84 Months
Details Minimum loan amount $25,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New (under 20,000 miles) Loan	-	-	4.99%	36-60 Months
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New (under 20,000 miles) Loan	-	-	5.49%	72 Months
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New (under 20,000 miles) Loan	-	-	5.49%	36-60 Months
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New (under 20,000 miles) Loan	-	-	5.99%	72 Months
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New (under 20,000 miles) Loan	-	-	6.49%	84 Months
Details minimum $25,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New (under 20,000 miles) Loan	-	-	5.99%	36-60 Months
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New (under 20,000 miles) Loan	-	-	6.49%	72 Months
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	0.90%	-	0.90%	3 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	0.90%	-	0.90%	6 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	0.90%	-	0.90%	8 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	0.90%	-	0.90%	9 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	0.90%	-	0.90%	10 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	0.90%	-	0.90%	11 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	0.90%	-	0.90%	12 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	2.86%	-	2.90%	13 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	4.17%	-	4.25%	15 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	3.54%	-	3.60%	18 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	3.11%	-	3.15%	24 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	2.86%	-	2.90%	36 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	2.86%	-	2.90%	48 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Business Growth Savings Account	2.86%	-	2.90%	60 Month
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Individual Retirement	0.01%	-	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 -$19,999.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Individual Retirement	0.05%	-	0.05%
Min Deposit $1,000 Min Balance $20,000 Details Balance: $20,000.00 - $49,999.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

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 fell from 6.86% in Q2 2023 to 5.46% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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
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
June 30, 2023	$468M	6.86%	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 113

Part-Time Employees 7

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+ (97/100)

Texas Ratio

5.46%

Return on Assets (ROA)

0.0201%

Return on Equity (ROE)

0.2494%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

472,553,740

Total Amount of Shares and Deposits

421,233,898

Total Shares and Deposits < 1 Year

397,087,394

Total Shares and Deposits 1 3 Years

23,247,153

Total Shares and Deposits > 3 Years

899,351

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

36,410,345

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

36,410,345

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

384,823,553

Total Interest Expense (Sum of items 6 8)

1,550,701

Share Certificates

1,604

Number of Accounts for Share Drafts

28,179

IRA KEOGH Accounts

1,361

Number of Accounts for Regular Shares

57,219

Non Member Deposits

Money Market Shares

1,034

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

94,758

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)

10,661,145

Total Liabilities

440,344,262

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

First Harvest Federal Credit Union earned the Verified Healthy badge

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First Harvest Federal Credit Union

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.

Current First Harvest Federal Credit Union Rates

12-Month CD0.90%
18-Month CD3.60%
24-Month CD3.15%
60-Month CD2.90%
Savings0.01%
MMA0.05%

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

Compare to Other Credit Unions

First Harvest Federal Credit Union Rates & Review September 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 Savings Rates

First Harvest Federal Credit Union 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 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

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?

Current First Harvest Federal Credit Union Rates

Compare to Other Credit Unions