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Accounts and Services

Our Services

  • Higher interest rates on savings accounts
  • Free checking accounts
  • Certificates of deposit
  • ATM/Debit cards
  • Gift cards
  • Christmas club accounts
  • Payroll deduction
  • Money orders, cashier checks
  • Direct deposit
  • Night depository
  • Free travelers checks
  • Free coin counting for members
  • Free public notary for members
  • Loans
  • Buck-A-Roo savings accounts for children
  • Online banking
  • Free bill pay
  • Six Flags and Santa Village tickets in season


As of January 1, 2007, the following items will be required to become a member of the Harvard Community Credit Union.

Savings Account Requirements:

  • Picture ID
  • Social Security Card or ITIN No.
  • Proof of address (a utility bill)
  • Live or work in the Harvard area (call for eligibility)
  • $35.00 minimum balance ($10.00 membership fee & $25.00 minimum balance)

You must be a member to use any of our other services, such as:

Checking Accounts

  • Free checking, no minimum balance.
  • Interest bearing checking account.

Christmas Club

  • Minimum of $5.00.
  • Deposits whenever desired.

Buck-A-Roo Savings Accounts

  • Minimum of $5.00 (no membership fee applied).


  • Call for information.

For your convenience we can also do the following at no charge:

  • Make transfers over the phone from one account to another, within our financial institution.
  • Have your loan payment taken out of your account automatically.
  • Have direct deposit from your employer at no cost to them.
  • Have unlimited check writing from your checking account.
  • Have unlimited withdrawals from your accounts.