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.

Explore Hamilton View published fees

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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Among its peers

Harvard Federal Credit Union · $1.2B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$1.2B to $1.3B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Harvard Federal Credit Union(this institution)	Cambridge, MA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Amplify Federal Credit Union	Austin, TX	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
City & County Federal Credit Union	Saint Paul, MN	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of Denver	Lakewood, CO	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Diamond Federal Credit Union	Pottstown, PA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Dutrac Community Federal Credit Union	Dubuque, IA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Efcu Financial Federal Credit Union	Baton Rouge, LA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Family Savings Federal Credit Union	Rainbow City, AL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Five Star Federal Credit Union	Dothan, AL	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Guardian Federal Credit Union	Prattville, AL	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gulf Coast Educators Federal Credit Union	Pasadena, TX	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Honda Federal Credit Union	Torrance, CA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Los Angeles Federal Credit Union	Glendale, CA	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Municipal Empl.Credit Union of Balt	Baltimore, MD	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Orion Federal Credit Union	Memphis, TN	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rave Financial Federal Credit Union	Beaumont, TX	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rev Federal Credit Union	Charleston, SC	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rize Federal Credit Union	El Monte, CA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Selfreliance Federal Credit Union	Chicago, IL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sesloc Federal Credit Union	San Luis Obispo, CA	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sidney Federal Credit Union	Sidney, NY	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
State Employees Federal Credit Union	Santa Fe, NM	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
University Federal Credit Union	Los Angeles, CA	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Vibrant Federal Credit Union	Moline, IL	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wildfire Federal Credit Union	Saginaw, MI	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wright Patman Congressional Federal Credit Union	Washington, DC	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $15.05 (304%) above the median of similar-sized credit unions.

Its published price is $20, against a peer median of $4.95 among 11 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Harvard Federal Credit Un…Peer (equal prices stack)Peer medianInclude $20 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Harvard Federal Credit Union's wire transfer changes in our data

We check once a day and send one email covering every change.

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

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.

Among its peers

Harvard Federal Credit Union · $1.2B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$1.2B to $1.3B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Harvard Federal Credit Union(this institution)	Cambridge, MA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Amplify Federal Credit Union	Austin, TX	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
City & County Federal Credit Union	Saint Paul, MN	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of Denver	Lakewood, CO	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Diamond Federal Credit Union	Pottstown, PA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Dutrac Community Federal Credit Union	Dubuque, IA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Efcu Financial Federal Credit Union	Baton Rouge, LA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Family Savings Federal Credit Union	Rainbow City, AL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Five Star Federal Credit Union	Dothan, AL	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Guardian Federal Credit Union	Prattville, AL	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gulf Coast Educators Federal Credit Union	Pasadena, TX	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Honda Federal Credit Union	Torrance, CA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Los Angeles Federal Credit Union	Glendale, CA	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Municipal Empl.Credit Union of Balt	Baltimore, MD	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Orion Federal Credit Union	Memphis, TN	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rave Financial Federal Credit Union	Beaumont, TX	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rev Federal Credit Union	Charleston, SC	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rize Federal Credit Union	El Monte, CA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Selfreliance Federal Credit Union	Chicago, IL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sesloc Federal Credit Union	San Luis Obispo, CA	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sidney Federal Credit Union	Sidney, NY	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
State Employees Federal Credit Union	Santa Fe, NM	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
University Federal Credit Union	Los Angeles, CA	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Vibrant Federal Credit Union	Moline, IL	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wildfire Federal Credit Union	Saginaw, MI	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wright Patman Congressional Federal Credit Union	Washington, DC	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $15.05 (304%) above the median of similar-sized credit unions.

Its published price is $20, against a peer median of $4.95 among 11 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Harvard Federal Credit Un…Peer (equal prices stack)Peer medianInclude $20 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.