Harvard Credit Union Charlestown MA | Best Auto Loans & Business Banking

Introduction

Welcome to Harvard, your trusted financial partner located at 149 13Th St, Charlestown, MA 02129. Since our establishment in 1939, we have been dedicated to serving our community and fostering financial growth for our members. With a robust membership of 56,816 and total assets exceeding $1,198,352,827, we are proud to offer a wide range of services tailored to meet your needs. At Harvard, we understand that each member's financial journey is unique. That's why we provide personalized solutions, including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Whether you're looking to buy a new vehicle or consolidate debt, our friendly team is here to help you every step of the way. While members can visit us at our Charlestown branch for all their banking needs, official correspondence should be sent to our mailing address at 104 Mount Auburn St, Cambridge, MA 2138. Under the leadership of CEO Craig Leonard and Board President Jason Luke, our dedicated staff of 139 employees works tirelessly to ensure your experience is nothing short of exceptional. Our commitment to you is reflected in our financial stability: we maintain a net worth of $104,063,144 and have over $24,023,504 in deposits ready for you. We invite you to explore all that Harvard has to offer. For inquiries or assistance, please don't hesitate to reach out at (617) 643-9655. Visit us online at harvardfcu.org or stop by our branch today! Your financial success is our priority.

Branch History & Mission

At Harvard, we take great pride in our rich history and commitment to our members. Established in 1939, the Charlestown Navy Yard branch has been a cornerstone of the community for over eight decades. Located at 149 13Th St, Charlestown, MA 02129, our branch serves not only as a financial institution but also as a gathering place for families and individuals looking to achieve their financial goals. Throughout the years, we've grown alongside our community, evolving from a small credit union into a trusted partner for over 56,800 members. With total assets reaching an impressive $1,198,352,827, we have established ourselves as a reliable source of support in both personal and business banking. Our mission is straightforward: we aim to provide exceptional financial services while fostering strong relationships within our community. While members can visit us at 149 13Th St Charlestown Ma 02129, official correspondence should be sent to 104 Mount Auburn St, Cambridge, MA 2138. This ensures that all inquiries are handled efficiently by our dedicated team. Our mission goes beyond just offering loans and savings accounts; it's about uplifting the community we serve. We prioritize accessibility by maintaining ADA compliance and offering online banking options that cater to all our members' needs. Our commitment extends to providing robust digital solutions like mobile payments and e-statements that make banking convenient and user-friendly. As part of our outreach efforts, we engage with local organizations and initiatives that align with our values. From hosting financial literacy workshops to partnering with schools for educational programs, we believe in giving back to the community that has supported us through the years. We invite you to experience firsthand the benefits of being part of Harvard. Join us today and become a member of a credit union that not only cares about your financial well-being but also invests in the growth of the Charlestown community. For more information or to open an account, visit us at harvardfcu.org or give us a call at 617-643-9655 during our operating hours from 9:00 AM to 4:00 PM on weekdays. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Harvard at the Charlestown Navy Yard, your friendly neighborhood credit union located at 149 13Th St, Charlestown, MA 02129. Our branch is easily accessible, making it simple for you to visit us for all your banking needs. If you're sending official correspondence, please note that our mailing address is different: 104 Mount Auburn St, Cambridge, MA 2138. Nestled in a vibrant area, we are just a stone's throw away from the historic waterfront and the Charlestown Navy Yard itself perfect for a quick stop after exploring the local sights. Whether you're coming by car or on foot, we've got you covered with convenient parking options and ADA-compliant accessibility features to ensure everyone can visit us comfortably. Our operating hours are designed to fit your busy schedule! We're open Monday through Friday from 9:00 AM to 4:00 PM. Feel free to give us a call at 617-643-9655 if you have any questions or need assistance before you arrive. At Harvard, we offer a range of services tailored to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgages. And for those on the go, we have an ATM available right at our branch, providing basic cash withdrawal services. While we don't currently have drive-thru banking or shared service centers at this location, our dedicated team is here to help you inside the branch. We look forward to welcoming you soon! Come visit us today and experience the Harvard difference firsthand!

Member Eligibility

At Harvard, we believe in creating a welcoming community where everyone feels like they belong. Joining us is easier than you might think! If you're a resident, employee, or student in the Charlestown area, you're likely already eligible to become a member. We also extend membership to family members of existing members, making it even more inclusive. Not only do you gain access to our wide range of services, but you also benefit from lower fees and competitive interest rates that can truly make a difference in your financial journey. To get started on becoming a member at Harvard, simply visit us at our branch located at 149 13Th St Charlestown Ma 02129, or give us a call at (617) 643-9655 for any questions you may have. For more detailed information on eligibility criteria, check out our website at https://harvardfcu.org/membership/join/. Ready to open an account? You can easily begin the process by visiting 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. We're excited to welcome you into our family!

Business Banking & Commercial Services

Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans, we're dedicated to exploring opportunities that could benefit local entrepreneurs in the future.

Merchant Services

In addition to lending, we offer a range of merchant services designed to simplify payment processing for your business. Imagine a busy Saturday morning at your café: customers are lined up, and you want to ensure a smooth checkout process. Our merchant services provide fast and secure payment options, allowing you to focus on what you do best serving your customers. Whether you're looking for financing or efficient transaction solutions, Harvard is here to support your journey every step of the way. Reach out today at (617) 643-9655 to learn how we can assist your business!

Comprehensive List Of Services

A Community Focus

At Harvard, we believe in supporting our community. Our services are designed not only to serve individual needs but also to contribute positively to the community's overall financial health. We welcome you to visit us at 149 13Th St Charlestown Ma 02129 or call us at (617) 643-9655 if you have any questions or need assistance. Ready to take the next step in securing your financial future? Visit us online at Charlestown Navy Yard for more information on how we can help you achieve your goals today!

Credit Cards and Business Banking

For those looking to earn rewards while spending wisely, our credit cards with rewards program offers fantastic benefits that suit various lifestyles. If you're a business owner or aspiring entrepreneur, consider our business banking services, which include essential merchant services and tailored business loans to support your ventures.

Digital Banking Convenience

In today's fast-paced world, managing your finances on-the-go is crucial. That's why we offer online and mobile banking, allowing you to access your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, with our ATM services available for cash withdrawals and balance checks, convenience is at your fingertips.

Personal Banking Solutions

Navigating your personal finances can be challenging, but with our robust offerings, you'll find it easier than ever. We offer checking and savings accounts designed to help you manage your day-to-day expenses while also saving for what matters most. If you're thinking about purchasing a vehicle, explore our auto loans and vehicle financing options that provide competitive rates and flexible terms. Homeownership is within reach with our mortgage loans and refinancing services. Our friendly staff will guide you through every step of the process, ensuring that you understand all your options. Additionally, if you're facing debt challenges, our personal loans and debt consolidation solutions can help simplify your finances.

Digital & Online Banking

Convenient Online Access

With our online banking platform, accessible at https://harvardfcu.org/, you can easily view your account balances, make transfers, and pay bills all from the comfort of your home or on the go. Our 24/7 online banking services ensure that you're always in touch with your finances, whether it's day or night.

Mobile Banking Made Easy

Our mobile application brings banking right to your pocket. With it, you can enjoy mobile payments for quick checkouts, person-to-person transfers for sharing expenses with friends, and real-time account management all designed to fit into your busy lifestyle. Whether you're grabbing coffee or shopping online, our mobile app keeps you connected.

Secure Transactions

Your security is our top priority. We provide electronic signature authorization for transactions, making it easy and safe to sign documents without the hassle of printing or mailing. Plus, with features like e-statements available at your fingertips, you'll have quick access to important financial information while helping the environment.

Stay In Control

No matter where life takes you, Harvard ensures that banking is simple and straightforward. From managing accounts to handling transactions, our digital services are crafted to support your financial needs while providing peace of mind. Join us today and experience how convenient banking can be!

Financial Strength

Growing Together

Total Share and Deposit Accounts: 113,396, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 149 13Th St Charlestown Ma 02129 or call (617) 643-9655 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member Savings Securely Managed

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 $725,441 reflects our operational efficiency, enabling 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.

Reinvesting in Our Community

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 commitment to lending is evident with $908 in used auto loans and $1,055,339,508 in total loans and leases, supporting your financial goals across various sectors.

Solid 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 8.68% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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. We provide financing solutions for both new and used vehicles to ensure that you can find the perfect ride without stretching your budget.

Credit Lines

If you need additional flexibility for personal expenses or emergencies, consider our credit lines totaling $418,897,163. This option allows you to access funds when needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $85,390,412. Whether you are purchasing your first home or looking to refinance an existing mortgage, our experienced team is here to guide you through the process.

Refinancing and Eligibility Options

We also provide refinancing options for those looking to lower their monthly payments or consolidate debt into one manageable loan. If you're unsure about your eligibility for any of our products, please visit our membership page for more information. For any questions or assistance with our loan offerings, feel free to contact us at 617-643-9655 or visit us at 149 13Th St Charlestown Ma 02129. Our team is ready to assist you during lobby hours from 9:00 AM to 4:00 PM on weekdays. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Harvard, we're dedicated to helping you secure the funding you need while ensuring a smooth experience throughout your borrowing journey.

Unsecured Credit Card Loans

Managing finances can be challenging at times. 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. With our credit cards, you'll enjoy competitive rates and rewards that fit your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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HARVARD FEDERAL CREDIT UNION - Charlestown, MA

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

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Loan rates in Charlestown, MA (02129)

Introduction

Branch History & Mission

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Lending Solutions

Merchant Services

Comprehensive List Of Services

A Community Focus

Credit Cards and Business Banking

Digital Banking Convenience

Personal Banking Solutions

Digital & Online Banking

Convenient Online Access

Mobile Banking Made Easy

Secure Transactions

Stay In Control

Financial Strength

Growing Together

Member Savings Securely Managed

Operational Efficiency

Reinvesting in Our Community

Solid Financial Health

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Refinancing and Eligibility Options

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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