Harvard Federal Credit Union

Headquarters: Cambridge, Massachusetts
Charter: Credit Union
Assets: $1.2B
Fed district: Boston

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Checking Account Monthly Fee Crimson Elite
Harvard Federal Credit Union: $20
Harvard Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Harvard Federal Credit Union: $25
Harvard Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Harvard Federal Credit Union: $1.50
Harvard Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Massachusetts, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Harvard Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking Account Monthly Fee (unless waived per account agreement) Crimson Elite$20
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds (check or electronic) Returned$25
Insufficient Funds Pa$25
per item
Overdraft Privilege Add Extended Coverage$25
per item
Overdraft Protection(from savings, pre-authorized)$5

ATM & Card

ATM Withdrawal Harvard FCU ATMs Other ATMs$1.50
Card Replacement$20
Foreign Currency Conversion Fee1.1%of the transaction
Foreign Currency Conversion Fee (audience not stated, treated as personal)1.1%of the transaction

Check Services

Tellers Check$5
Stop Payment$20
Temporary Checks (sheet of four)$4
Foreign Check Collection Canadian Item7 Other Foreign Item$20
Copy of Check Paid$4

Digital & Electronic

Online Bill PayNo charge

Account Services

Notary Public Harvard FCU Members Non-Harvard FCU Members$1.25
Levy Processing Fee$50

Fee	Amount	Basis	Note
Account Maintenance
Checking Account Monthly Fee (unless waived per account agreement) Crimson Elite	$20	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds (check or electronic) Returned	$25	Not stated	None
Insufficient Funds Pa	$25	per item	None
Overdraft Privilege Add Extended Coverage	$25	per item	None
Overdraft Protection(from savings, pre-authorized)	$5	Not stated	None
ATM & Card
ATM Withdrawal Harvard FCU ATMs Other ATMs	$1.50	Not stated	None
Card Replacement	$20	Not stated	None
Foreign Currency Conversion Fee	1.1%of the transaction	Not stated	None
Foreign Currency Conversion Fee (audience not stated, treated as personal)	1.1%of the transaction	Not stated	None
Check Services
Tellers Check	$5	Not stated	None
Stop Payment	$20	Not stated	None
Temporary Checks (sheet of four)	$4	Not stated	None
Foreign Check Collection Canadian Item7 Other Foreign Item	$20	Not stated	None
Copy of Check Paid	$4	Not stated	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Account Services
Notary Public Harvard FCU Members Non-Harvard FCU Members	$1.25	Not stated	None
Levy Processing Fee	$50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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