What are the current interest rates at Harvesters Credit Union?

Current rates for Harvesters Credit Union include: 12-Month CD: 0.40%, 18-Month CD: 0.50%, 24-Month CD: 0.60%

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Harvesters Credit Union

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Harvesters Credit Union Rates & Review September 2026

Q: How many branches does Harvesters Credit Union operate?

Harvesters 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.

Q: Is a member application needed to join Harvesters Credit Union?

Yes, to access services at Harvesters 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Harvesters 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 22, 2026

Harvesters Credit Union's 4 Month CD of Deposit rates are at 3.82%, 7 Month CD of Deposit rates are at 3.56%, 13 Month CD of Deposit rates are at 3.30%, 36 Month CD of Deposit rates are at 0.70%, 24 Month CD of Deposit rates are at 0.60%. Harvesters Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.99%. Harvesters Credit Union's Credit Card Rates are at 12.90%. MonitorBankRates evaluates the financial stability of Harvesters Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.33%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.33%

Excellent Lower than avg

Health Trend

Very strong 6 quarters

Full history ›

Harvesters Credit Union
Corporate Office

480 S Highway 29
Cantonment, FL 32533-6406

https://www.myharvesterscu.com

Harvesters Credit Union CD Rates

Product	Rate	APY	Term
4 Month Certificate of Deposit	3.75%	3.82%	4 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
7 Month Certificate of Deposit	3.50%	3.56%	7 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
13 Month Certificate of Deposit	3.25%	3.30%	13 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
36 Month Certificate of Deposit	0.70%	0.70%	36 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
24 Month Certificate of Deposit	0.60%	0.60%	24 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
30 Month Certificate of Deposit	0.60%	0.60%	30 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
18 Month Certificate of Deposit	0.50%	0.50%	18 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
15 Month Certificate of Deposit	0.45%	0.45%	15 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
12 Month Certificate of Deposit	0.40%	0.40%	12 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
6 Month Certificate of Deposit	0.30%	0.30%	6 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
3 Month Certificate of Deposit	0.20%	0.20%	3 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%

Harvesters Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RVs, Travel Trailers, Motor Homes, & Boats Loan	-	7.99%	84 Months
Details As Low As; Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
RVs, Travel Trailers, Motor Homes, & Boats Loan	-	8.74%	96 Months
Details As Low As; Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
RVs, Travel Trailers, Motor Homes, & Boats Loan	-	9.24%	120 Months
Details As Low As; Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
RVs, Travel Trailers, Motor Homes, & Boats Loan	-	9.49%	144 Months
Details As Low As; Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%

Harvesters Credit Union Credit Card Rates

Product	Rate	APR
VISA Gold	-	12.90%
Details As Low As; APR = Annual Percentage Rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
VISA Classic	-	14.90%
Details As Low As; APR = Annual Percentage Rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%

Harvesters Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2018 - 2024 Models Loan	-	-	6.24%	2024 Mo
Details Additional APR listed for this product: 6.74%. As Low As; Rates, Term & Approval subject to credit score and collateral analysis. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
2025 - 2026 Models Loan	-	-	5.74%	2026 Mo
Details Additional APR listed for this product: 5.99%, 6.74%, 7.49%, 7.99%. As Low As; Rates, Term & Approval subject to credit score and collateral analysis. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%
Anything Loans	-	-	12.90%
Details As Low As; APR = Annual Percentage Rate. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.33%

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.

Financial Health History

Harvesters Credit Union’s Texas Ratio rose from 2.86% in Q4 2024 to 4.33% in Q1 2026, so its financial health has stayed very strong over the past 6 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$313M	4.33%	5.0	A+
December 31, 2025	$302M	4.92%	5.0	A+
September 30, 2025	$292M	5.42%	5.0	A+
June 30, 2025	$292M	3.71%	5.0	A+
March 31, 2025	$295M	2.81%	5.0	A+
December 31, 2024	$284M	2.86%	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 Harvesters 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 Harvesters 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 Harvesters Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Harvesters Credit Union

Website https://www.myharvesterscu.com

Address 480 S Highway 29, Cantonment, FL 32533-6406

Phone 850-857-4328

Fax 850-968-6184

President Robin Cook

CEO Keith Golden

Full-Time Employees 69

Part-Time Employees 6

Branch Locations 8

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.33%

Return on Assets (ROA)

0.2276%

Return on Equity (ROE)

2.3968%

Non-Performing Loans Ratio (NPL)

0.57%

Total Assets

312,779,588

Total Amount of Shares and Deposits

280,428,007

Total Shares and Deposits < 1 Year

275,744,168

Total Shares and Deposits 1 3 Years

4,683,839

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

35,513,615

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

35,513,615

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

244,914,392

Total Interest Expense (Sum of items 6 8)

811,173

Share Certificates

977

Number of Accounts for Share Drafts

14,093

IRA KEOGH Accounts

323

Number of Accounts for Regular Shares

34,149

Non Member Deposits

Money Market Shares

2,441

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

711,808

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)

42,466,125

Total Liabilities

287,964,640

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Harvesters 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About Harvesters Credit Union

How many branches does Harvesters Credit Union operate?

Harvesters 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 Harvesters Credit Union?

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

Does Harvesters Credit Union offer online and mobile banking?

Most modern institutions like Harvesters 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.myharvesterscu.com.