Harvard Credit Union Cambridge MA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Harvard, your trusted partner in financial well-being since 1939. Located at 104 Mount Auburn St Ste 4, Cambridge, MA 02138, we take pride in serving our community with dedication and care. With a robust membership base of over 56,800 members, we are committed to providing personalized banking solutions tailored to your needs. At Harvard, our financial strength is evident with total assets exceeding $1.19 billion and total deposits amounting to $24,023,504. Our experienced team of 139 employees, led by CEO Craig Leonard and Board President Jason Luke, is here to support you on your financial journey. Whether you're looking for auto loans, personal loans, or credit cards with rewards, we have options designed just for you. While members can visit us at our branch for all their banking needs, official correspondence should be directed to our mailing address: 104 Mount Auburn St Ste 4, Cambridge, MA 02138-5019. Feel free to reach out to us at 617-495-4460 or explore more about our services on our website at harvardfcu.org. Join us today and experience the difference of a credit union that truly values its members!

Branch History & Mission

Commitment to Innovation

As part of our dedication to serving you better, we have embraced digital advancements that make banking easier than ever. Enjoy online banking services that allow you to manage your accounts anytime, anywhere. Our mobile app brings the bank right into your pocket, giving you access to your finances on the go. Additionally, we prioritize accessibility for all members of our community. Our facilities meet ADA compliance standards, ensuring everyone can comfortably access our services.

Community Engagement

At the heart of everything we do is a commitment to uplifting our community. We actively participate in local outreach programs and partnerships that aim to improve the lives of those around us. Whether it's sponsoring local events or providing educational resources on financial literacy, we strive to give back and make a meaningful impact. As we continue forward, we invite you to join us on this journey. Become part of the Harvard family today! Experience firsthand how being a member means more than just having an account; it's about being part of a supportive community that cares about your financial well-being. For inquiries or assistance, feel free to call us at (617) 495-4460 during our operating hours: Monday through Friday from 8:30 AM to 4:30 PM. Join us today at https://harvardfcu.org/ !

Our Mission

At Harvard, our mission is simple yet powerful: to provide exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to affordable banking options, whether it's personal banking with checking and savings accounts or loans for vehicles and homes. Beyond just numbers, we are dedicated to helping our members achieve their dreams through responsible lending practices and personalized service. We understand that banking needs vary widely, which is why we offer a range of services from credit cards with rewards to business banking solutions. Each interaction with our members is guided by our core values of trust, integrity, and respect.

Branch Location & Accessibility

Call to Action

We invite you to visit us at Harvard's Cambridge branch. Whether you're looking to open an account or simply have a chat about your financial goals, our friendly staff is ready to assist you. Come see us today!

Convenient Access and Nearby Landmarks

Located just a stone's throw away from the vibrant Harvard Square and near the picturesque Charles River, our branch is easy to find. You can enjoy plenty of parking options in the area, ensuring that your visit is hassle-free. We also take pride in being accessible to everyone, with features like ADA-compliant entrances and ramps.

Operating Hours and Services

At Harvard, we want to make your banking experience as smooth as possible. Our lobby hours are Monday through Friday from 8:30 AM to 4:30 PM, giving you plenty of time during the week to stop by. While we don't have ATM services or drive-thru banking available at this location, our shared service center offers basic transactions like deposits and withdrawals for members of partner credit unions. You can reach us at (617) 495-4460 if you have questions about our services or need assistance. We offer a variety of financial products such as checking and savings accounts, auto loans, mortgage options, personal loans, and even business banking services.

Member Eligibility

At Harvard, we believe that everyone deserves a supportive financial community. Becoming a member is easy and welcoming! If you live, work, or attend school in the area, you're likely eligible to join us. Our membership is open to those who share our values of community and service. You can find more detailed eligibility criteria by visiting our website at https://harvardfcu.org/membership/join/ . Once you're ready to take the next step, opening an account with us is straightforward; just head over to https://app.loanspq.com/cc/creditcard.aspx?enc=kw21wblm1yxpjjabdozad-gr_ihl-c8fchodgpsxxjugqsulkffukdit2nf5tlzdam1y0f_uuysqxqdlcpqqgg&_ga=2.248854734.833738413.1684166439-146964408.1651773440&_gl=1*1dw7q9l*_ga*mtq2oty0nda4lje2nte3nzm0nda .*_ga_tw1v1zp5et*mty4nde2njqzos4xmtaums4xnjg0mty2ntiwljaumc4w for a smooth application process. If you have any questions or need assistance, feel free to give us a call at (617) 495-4460. Join us at 104 Mount Auburn St Ste 4 Cambridge Ma 02138 and experience the many benefits of being part of the Harvard family!

Business Banking & Commercial Services

At Harvard, we understand that every business has its own unique journey. Whether you're just starting out or looking to expand, our business banking and commercial services are designed to help you thrive. Imagine securing the funds you need to open a new location, hire additional staff, or invest in the latest technology. Our commercial loans are here to support your ambitions. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Additionally, we offer merchant services tailored for your needs. Picture a smooth payment process where your customers can pay easily while you focus on running your operations. From card processing to online payments, our solutions help streamline your transactions and enhance customer satisfaction. Located at 104 Mount Auburn St Ste 4 Cambridge Ma 02138 in Cambridge, MA, we're here to partner with you on your business journey. Let's turn your aspirations into reality together! For more information, give us a call at (617) 495-4460.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we don't have an ATM on-site, we ensure our members have access to cash withdrawal services through shared branch transactions. This means you can easily deposit or withdraw cash even when visiting partner credit unions. At Harvard, we're more than just a credit union we're your partner in achieving financial wellness. If you're ready to explore any of these services or have questions about how we can assist you further, don't hesitate to reach out! Call us at (617) 495-4460 or visit us at 104 Mt Auburn today!

Auto Loans & Vehicle Financing

Thinking about buying a new car? We offer competitive auto loans and vehicle financing options that can help you get behind the wheel without breaking the bank. Picture this: driving off in your dream car with affordable monthly payments tailored to your budget.

Business Banking

For business owners, we offer specialized banking services including merchant services and business loans. Your business is important to us; we want to help it grow by providing financial tools tailored specifically for entrepreneurs like you.

Credit Cards with Rewards

Our credit cards come with rewards programs that allow you to earn points for every purchase you make. Whether it's dining out or shopping online, enjoy perks while managing your expenses effectively.

Mortgage Loans & Refinancing

For those ready to purchase a home or refinance an existing mortgage, our mortgage services are here to guide you through the process. We understand that buying a house is a significant milestone, and we aim to make it as smooth as possible. With various loan options available, we can help you find the right fit for your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Harvard provides robust online and mobile banking services. Manage your accounts from anywhere at any time pay bills, transfer funds, and check balances right from your smartphone or computer.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking options are designed with you in mind. Imagine having a dedicated account that helps you manage your daily expenses while also saving for future goals. Our accounts come with features that make managing your money easy and straightforward.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our personal loans can provide the necessary funds to help you get back on track. Additionally, if you're juggling multiple debts, consider our debt consolidation options that can simplify your finances and lower your monthly payments.

Digital & Online Banking

Explore Our Online Services

With our online banking platform, you can easily access your accounts 24/7. This means you can check balances, transfer funds, and pay bills without having to visit a branch. Plus, our user-friendly interface makes navigating your account a breeze.

Go Mobile with Ease

Don't forget about our mobile application! It puts the power of banking right in your pocket. You can enjoy features like mobile payments, so you can shop conveniently without cash or cards. If you need to send money to friends or family, our person-to-person transfer feature makes it easy and quick.

Real-Time Management

Our digital banking services allow you to manage your accounts in real-time. Whether you're checking on recent transactions or setting up automatic payments, everything is just a few taps away. In summary, whether you're at home or on the go, Harvard provides the tools you need for effective financial management. Dive into our digital offerings today and experience how easy banking can be!

Secure Transactions at Your Fingertips

Security is a top priority at Harvard. We utilize electronic signature authorization for transactions, ensuring that your approvals are safe and secure. Plus, with e-statements available, you can manage your finances while reducing paper clutter.

Financial Strength

Commitment to Members

Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 113,396, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Harvard is your trusted partner. Visit us at 104 Mount Auburn St Ste 4 Cambridge Ma 02138 or call (617) 495-4460 to learn more about how we can help you achieve your financial goals.

Financial Health

With a net worth of $104,063,144, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $868 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Investment in Growth

With $98,926,010 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $908 in used auto loans and $1,055,339,508 in total loans and leases.

Member Savings

Members' savings are secured through $269,073,252 in share certificates and $112,705,715 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $455,040, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 137 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $10,744,625 in used vehicle loans and $3,531,342 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, our competitive rates make it easier for you to drive away with confidence.

Credit Lines

For those who need ongoing access to funds for various needs, our total credit lines amounting to $418,897,163 provide a reliable solution. This flexibility allows you to borrow as needed while only paying interest on what you use. If you're interested in refinancing any of these products or learning more about eligibility options, our team is ready to assist you. We aim to provide clear information so that you can make informed decisions. To explore these offerings further or get started on an application, feel free to reach out at 617-495-4460 or visit us at 104 Mount Auburn St Ste 4 Cambridge MA 02138. You can also check out additional details on our website: Harvard FCU. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here for you every step of the way as you navigate your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $85,390,412, make buying or refinancing simple. We provide personalized service and guidance throughout the process to ensure that you find a mortgage product that fits your unique needs.

Unsecured Credit Card Loans

Managing day-to-day expenses is essential for financial stability. We also offer flexible terms on unsecured credit card loans, with a total of $46,928,002 in loans helping members manage their finances effectively. Our credit cards come with rewards programs that can help you maximize your spending power.

Loan Aggregator

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Each lender's details are thoroughly vetted to maintain accuracy. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can confidently explore options without worrying about hidden agendas. Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions quickly and efficiently. With LendMesh, you can easily see how different loans stack up against each other. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. --- *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach guarantees that all comparisons are based on accurate and reliable information, allowing users to trust that they are getting fair and transparent offers.

HARVARD FEDERAL CREDIT UNION