What are the current interest rates at First Harvest FCU?

Current rates for First Harvest FCU include: 12-Month CD: 0.90%, 18-Month CD: 3.60%, 24-Month CD: 4.25%, 60-Month CD: 2.90%, Savings: 0.01%, MMA: 0.05%

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First Harvest FCU

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First Harvest FCU Rates & Review October 2026

Q: How many branches does First Harvest FCU operate?

First Harvest FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join First Harvest FCU?

Yes, to access services at First Harvest FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, First Harvest FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Harvest FCU provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 2, 2026

First Harvest FCU's top rates as of October 2, 2026 are 4.25% APY on its 24 Month Business CD, 0.01% APY on savings, 0.05% APY on money market accounts, and auto loans from 4.99% APR, according to rates verified by MonitorBankRates. Other First Harvest FCU CD rates include 24 Month IRA CD at 4.25%, 24 Month CD at 4.25%, and 24-Month Share & IRA CD at 4.25%. MonitorBankRates evaluates the financial stability of First Harvest FCU with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.18%. Rates last updated and verified on 10/02/2026.

First Harvest FCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Harvest FCU? Share your experience about First Harvest FCU by leaving a review below, or read customer reviews before you decide to use First Harvest FCU.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.18%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Harvest FCU
Corporate Center

1615 Hurffville Rd
Deptford, NJ 08096

https://www.firstharvestcu.com

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Harvest FCU CD Rates

Product	Rate	APY	Term
24 Month Business Share Certificate	4.17%	4.25%	24 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
24 Month IRA Share Certificate	4.17%	4.25%	24 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
24 Month Share Certificate	4.17%	4.25%	24 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
24-Month Share & IRA Certificate	-	4.25%	24 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 24 Month	4.17%	4.25%	24 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 24 Month	4.17%	4.25%	24 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 24 Month	4.17%	4.25%	24 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
15 Month Business Share Certificate	4.02%	4.10%	15 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
15 Month IRA Share Certificate	4.02%	4.10%	15 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
15 Month Share Certificate	4.02%	4.10%	15 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
15-Month Share & IRA Certificate	-	4.10%	15 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 15 Month	4.02%	4.10%	15 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 15 Month	4.02%	4.10%	15 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 15 Month	4.02%	4.10%	15 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month Business Share Certificate	3.98%	4.05%	11 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month IRA Share Certificate	3.98%	4.05%	11 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month Share Certificate	3.98%	4.05%	11 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 11 Month	3.98%	4.05%	11 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 11 Month	3.98%	4.05%	11 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 11 Month	3.98%	4.05%	11 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month Business Share Certificate	3.54%	3.60%	18 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month IRA Share Certificate	3.54%	3.60%	18 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month Share Certificate	3.54%	3.60%	18 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 18 Month	3.54%	3.60%	18 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 18 Month	3.54%	3.60%	18 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 18 Month	3.54%	3.60%	18 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
13 Month Business Share Certificate	2.86%	2.90%	13 Month
Min Balance $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
13 Month IRA Share Certificate	2.86%	2.90%	13 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
13 Month Share Certificate	2.86%	2.90%	13 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month Business Share Certificate	2.86%	2.90%	36 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month IRA Share Certificate	2.86%	2.90%	36 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month Share Certificate	2.86%	2.90%	36 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month Business Share Certificate	2.86%	2.90%	48 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month IRA Share Certificate	2.86%	2.90%	48 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month Share Certificate	2.86%	2.90%	48 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month Business Share Certificate	2.86%	2.90%	60 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month IRA Share Certificate	2.86%	2.90%	60 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month Share Certificate	2.86%	2.90%	60 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
7 Month Share Certificate	2.86%	2.90%	7 Month
Details Term: 7 Month (Online Only); Online Only Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 13 Month	2.86%	2.90%	13 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 36 Month	2.86%	2.90%	36 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 48 Month	2.86%	2.90%	48 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 60 Month	2.86%	2.90%	60 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 13 Month	2.86%	2.90%	13 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 36 Month	2.86%	2.90%	36 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 48 Month	2.86%	2.90%	48 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 60 Month	2.86%	2.90%	60 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 13 Month	2.86%	2.90%	13 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 36 Month	2.86%	2.90%	36 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 48 Month	2.86%	2.90%	48 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 60 Month	2.86%	2.90%	60 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 7 Month (Online Only)	2.86%	2.90%	7 Month
Min Balance $500 Details Must be opened online at FirstHarvestCU.com or other First Harvest digital channels. This offer is not available at First Harvest branch locations. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
10 Month Business Share Certificate	0.90%	0.90%	10 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
10 Month IRA Share Certificate	0.90%	0.90%	10 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
10 Month Share Certificate	0.90%	0.90%	10 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month Business Share Certificate	0.90%	0.90%	12 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month IRA Share Certificate	0.90%	0.90%	12 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month Share Certificate	0.90%	0.90%	12 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month Business Share Certificate	0.90%	0.90%	3 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month IRA Share Certificate	0.90%	0.90%	3 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month Share Certificate	0.90%	0.90%	3 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month Business Share Certificate	0.90%	0.90%	6 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month IRA Share Certificate	0.90%	0.90%	6 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month Share Certificate	0.90%	0.90%	6 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
8 Month Business Share Certificate	0.90%	0.90%	8 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
8 Month IRA Share Certificate	0.90%	0.90%	8 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
8 Month Share Certificate	0.90%	0.90%	8 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month Business Share Certificate	0.90%	0.90%	9 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month IRA Share Certificate	0.90%	0.90%	9 Month
Min Deposit $500 Min Balance $500 Details APY listed paid on $500 minimum balance. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month Share Certificate	0.90%	0.90%	9 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 10 Month	0.90%	0.90%	10 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 12 Month	0.90%	0.90%	12 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 3 Month	0.90%	0.90%	3 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 6 Month	0.90%	0.90%	6 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 8 Month	0.90%	0.90%	8 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account: 9 Month	0.90%	0.90%	9 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 10 Month	0.90%	0.90%	10 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 12 Month	0.90%	0.90%	12 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 3 Month	0.90%	0.90%	3 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 6 Month	0.90%	0.90%	6 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 8 Month	0.90%	0.90%	8 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
IRA Share Certificate 9 Month	0.90%	0.90%	9 Month
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 10 Month	0.90%	0.90%	10 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 12 Month	0.90%	0.90%	12 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 3 Month	0.90%	0.90%	3 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 6 Month	0.90%	0.90%	6 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 8 Month	0.90%	0.90%	8 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Share Certificate 9 Month	0.90%	0.90%	9 Month
Min Balance $500 Details Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest FCU Savings Rates

Product	Rate	APY
Business Growth Savings Account	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account	2.97%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account	2.97%	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Savings	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	2.97%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	2.97%	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Savings Account	0.30%	0.30%
Min Balance $500,000 Details Balance: $500,000 or greater; Offer valid for funds not currently on deposit with First Harvest Credit Union. You may qualify by depositing an additional $5,000 or more in new money. Contact us for details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.30%	0.30%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Savings	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 or greater Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Club Savings	0.10%	0.10%
Min Balance $100 Details Educator's Club - Tier 1 Balance: $100 - $4,999 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Educator's Club	0.10%	0.10%
Min Balance $100 Details Balance: $100 - $4,999 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Educator's Club	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 and Above Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Holiday Club	0.10%	0.10%
Details Maturity date October 1 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.00 and above Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Vacation Club	0.10%	0.10%
Details Maturity date first of the month, 12 months after start date Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Savings	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Savings	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000.00 - $49,999.00 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000.00 and Above Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000.00 - $49,999.00 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000.00 and Above Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Growth Savings Account	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 -$19,999.00 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.01%	0.01%
Min Balance $100 Details Balance: $100.00 - $4,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Primary Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Special Savings Rate	0.01%	0.01%
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest FCU Money Market Rates

Product	Rate	APY
Non-Profit Money Market	2.97%	3.00%
Min Balance $1,000 Details Balance: $1,000 - $99,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Non-Profit Money Market	2.97%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Non-Profit Money Market	2.97%	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Non-Profit Money Market	1.00%	1.00%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Non-Profit Money Market	0.50%	0.50%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Progressive Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 or greater Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Money Market	0.07%	0.07%
Min Deposit $1,500 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Progressive Money Market	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Money Market	0.05%	0.05%
Min Deposit $1,500 Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Progressive Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest FCU Checking Rates

Product	Rate	APY
Free CheckingGrowth Checking	1.99%	2.00%
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Free CheckingGrowth Checking	1.99%	2.00%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Free CheckingGrowth Checking	1.99%	2.00%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Free CheckingGrowth Checking	1.99%	2.00%
Min Balance $25,000 Details Balance: $25,000.00 and above Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Checking	1.99%	2.00%
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Free Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Growth Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest FCU Home Equity & HELOC

Product	Rate	Points	APR
Home Equity 1st Lien HELOC	-	-	6.50%
Details Home Equity Lines of Credit (HELOC) are variable-rate lines. Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate - 50 basis points. Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points. Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $250,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Home Equity 2nd Lien HELOC	-	-	6.50%
Details Home Equity Lines of Credit (HELOC) are variable-rate lines. Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate - 50 basis points. Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points. Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $250,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Home Equity Loan	-	-	6.50%
Details Loan-To-Value (LTV): 80% Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Home Equity 1st Lien HELOC	-	-	7.50%
Details Condition: 81%-90% LTV. Home Equity Lines of Credit (HELOC) are variable-rate lines. Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate - 50 basis points. Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points. Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $250,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Home Equity Loan	-	-	7.50%
Details Additional APR listed for this product: 8.00%. Loan-To-Value (LTV): 81%-90% Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Home Equity 2nd Lien HELOC	-	-	8.00%
Details Condition: 81%-90% LTV. Home Equity Lines of Credit (HELOC) are variable-rate lines. Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate - 50 basis points. Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points. Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $250,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest FCU Auto Loan Rates

Product	Rate	Points	APR	Term	View More
new auto loan	-	-	4.99%
Details As Low As Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest FCU RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	-	5.99%	60 months
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Motorcycle Loans	-	6.49%	72 months
No additional details. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

First Harvest FCU Other Rates

Product	Rate	Points	APY/APR	Term
New (under 20,000 miles) Loan	-	-	5.99%	84 Months
Details minimum $25,000 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
New (under 20,000 miles) Loan	-	-	6.99%	96 Months
Details minimum $50,000 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
New (under 20,000 miles) Loan	-	-	4.99%	36-60 Months
Details Additional APR listed for this product: 5.49%, 5.99%. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
New (under 20,000 miles) Loan	-	-	5.49%	72 Months
Details Additional APR listed for this product: 5.99%, 6.49%. Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
New (under 20,000 miles) Loan	-	-	6.49%	84 Months
Details Additional APR listed for this product: 6.99%. minimum $25,000 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Individual Retirement	0.01%	-	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 -$19,999.00 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Individual Retirement	0.05%	-	0.05%
Min Deposit $1,000 Min Balance $20,000 Details Balance: $20,000.00 - $49,999.00 Last Updated 10/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Harvest FCU’s Texas Ratio rose from 6.87% in Q3 2023 to 8.18% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$484M	8.18%	5.0	A
March 31, 2026	$473M	5.46%	5.0	A+
December 31, 2025	$458M	5.46%	5.0	A+
September 30, 2025	$451M	4.42%	5.0	A+
June 30, 2025	$450M	4.49%	5.0	A+
March 31, 2025	$439M	4.80%	5.0	A+
December 31, 2024	$435M	5.62%	5.0	A+
September 30, 2024	$450M	6.01%	5.0	A
June 30, 2024	$458M	4.50%	5.0	A+
March 31, 2024	$468M	4.77%	5.0	A+
December 31, 2023	$452M	7.12%	5.0	A
September 30, 2023	$462M	6.87%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Harvest FCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather First Harvest FCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Harvest FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Harvest FCU

Website https://www.firstharvestcu.com

Address 1615 Hurffville Rd, Deptford, NJ 08096

Phone 856-374-9700

Fax 856-232-9190

President Loretta Winters

CEO Joseph Dinneen

Full-Time Employees 111

Part-Time Employees 6

Branch Locations 7

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.18%

Return on Assets (ROA)

0.1757%

Return on Equity (ROE)

2.1973%

Non-Performing Loans Ratio (NPL)

0.96%

Total Assets

484,464,092

Total Amount of Shares and Deposits

427,088,338

Total Shares and Deposits < 1 Year

400,638,122

Total Shares and Deposits 1 3 Years

25,677,540

Total Shares and Deposits > 3 Years

772,677

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

18,723,660

Total Uninsured Shares and Deposits > $250K (F+J)

18,723,660

Total Insured Shares and Deposits > $250K (item 17 less item K)

408,364,678

Total Interest Expense (Sum of items 6 8)

3,145,644

Share Certificates

1,610

Number of Accounts for Share Drafts

23,721

IRA KEOGH Accounts

1,255

Number of Accounts for Regular Shares

58,563

Non Member Deposits

Money Market Shares

536

Net Income (unless the amount is already included in Undivided Earnings)

851,368

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,510,671

Total Liabilities

451,616,765

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Harvest FCU earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Harvest FCU

How many branches does First Harvest FCU operate?

First Harvest FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join First Harvest FCU?

Yes, to access services at First Harvest FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, First Harvest FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Harvest FCU provides members with tools to manage their accounts and build a solid financial history.

Does First Harvest FCU offer online and mobile banking?

Most modern institutions like First Harvest FCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstharvestcu.com.

Current First Harvest FCU Rates

12-Month CD0.90%
18-Month CD3.60%
24-Month CD4.25%
60-Month CD2.90%
Savings0.01%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Harvest FCU Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Harvest FCU Texas Ratio

First Harvest FCU Health Trend

First Harvest FCU CD Rates

First Harvest FCU Savings Rates

First Harvest FCU Money Market Rates

First Harvest FCU Checking Rates

First Harvest FCU Home Equity & HELOC

First Harvest FCU Auto Loan Rates

First Harvest FCU RV, Boat and Powersport Loan Rates

First Harvest FCU Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Harvest FCU earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Harvest FCU

How many branches does First Harvest FCU operate?

Is a member application needed to join First Harvest FCU?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Harvest FCU offer online and mobile banking?

Current First Harvest FCU Rates

Compare to Other Credit Unions