What are the current interest rates at First Harvest Federal Credit Union?

Current rates for First Harvest Federal Credit Union include: 12-Month CD: 0.90%, 18-Month CD: 3.60%, 24-Month CD: 3.15%, 60-Month CD: 2.90%, Savings: 0.00%, MMA: 0.05%

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First Harvest Federal Credit Union

iAdvertiser Disclosure

First Harvest Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Harvest Federal Credit Union 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: August 28, 2026

First Harvest Federal Credit Union's 15 Month IRA rates are at 4.25%, 15 Month Business CD rates are at 4.25%, 15 Month IRA IRA CD rates are at 4.25%, IRA CD 15 Month rates are at 4.25%, CD 15 Month rates are at 4.25%. First Harvest Federal Credit Union's savings rates are at 0.00%. First Harvest Federal Credit Union's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of First Harvest Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.42%. Rates last updated and verified on 08/28/2026.

First Harvest Federal Credit Union 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 Federal Credit Union? Share your experience about First Harvest Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Harvest Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.42%

Excellent Lower than avg

First Harvest Federal Credit Union
Corporate Center

1615 Hurffville Rd
Deptford, NJ 08096

https://www.firstharvestcu.com

First Harvest Federal Credit Union CD Rates

Product	Rate	APY	Term
15 Month IRA	4.17%	4.25%	15 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 15 Month	4.17%	4.25%	15 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
15 Month Business Share Certificate	4.17%	4.25%	15 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
15 Month IRA IRA Share Certificate	4.17%	4.25%	15 Month IRA
Details APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 15 Month	4.17%	4.25%	15 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 15 Month	4.17%	4.25%	15 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
18 Month IRA	3.54%	3.60%	18 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 18 Month	3.54%	3.60%	18 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
18 Month Business Share Certificate	3.54%	3.60%	18 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
18 Month IRA IRA Share Certificate	3.54%	3.60%	18 Month IRA
Details APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 18 Month	3.54%	3.60%	18 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 18 Month	3.54%	3.60%	18 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
24 Month IRA	3.11%	3.15%	24 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 24 Month	3.11%	3.15%	24 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
24 Month Business Share Certificate	3.11%	3.15%	24 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
24 Month IRA IRA Share Certificate	3.11%	3.15%	24 Month IRA
Details APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 24 Month	3.11%	3.15%	24 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 24 Month	3.11%	3.15%	24 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
13 Month IRA	2.86%	2.90%	13 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
36 Month IRA	2.86%	2.90%	36 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
48 Month IRA	2.86%	2.90%	48 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
60 Month IRA	2.86%	2.90%	60 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 13 Month	2.86%	2.90%	13 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 36 Month	2.86%	2.90%	36 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 48 Month	2.86%	2.90%	48 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 60 Month	2.86%	2.90%	60 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
13 Month Business Share Certificate	2.86%	2.90%	13 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Share Certificate 36 Month	2.86%	2.90%	36 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Share Certificate 48 Month	2.86%	2.90%	48 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Share Certificate 60 Month	2.86%	2.90%	60 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
13 Month IRA IRA Share Certificate	2.86%	2.90%	13 Month IRA
Details APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 13 Month	2.86%	2.90%	13 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 36 Month	2.86%	2.90%	36 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 48 Month	2.86%	2.90%	48 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 60 Month	2.86%	2.90%	60 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
7 Month Share Certificate	2.86%	2.90%	7 Month
Details Online Only Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 13 Month	2.86%	2.90%	13 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 36 Month	2.86%	2.90%	36 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 48 Month	2.86%	2.90%	48 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 60 Month	2.86%	2.90%	60 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
10 Month IRA	0.90%	0.90%	10 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
11 Month IRA	0.90%	0.90%	11 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
12 Month IRA	0.90%	0.90%	12 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
3 Month IRA	0.90%	0.90%	3 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
6 Month IRA	0.90%	0.90%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
8 Month IRA	0.90%	0.90%	8 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
9 Month IRA	0.90%	0.90%	9 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 10 Month	0.90%	0.90%	10 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 11 Month	0.90%	0.90%	11 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 12 Month	0.90%	0.90%	12 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 3 Month	0.90%	0.90%	3 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 6 Month	0.90%	0.90%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 8 Month	0.90%	0.90%	8 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account 9 Month	0.90%	0.90%	9 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
3 Month Business Share Certificate	0.90%	0.90%	3 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Share Certificate 10 Month	0.90%	0.90%	10 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Share Certificate 11 Month	0.90%	0.90%	11 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Share Certificate 12 Month	0.90%	0.90%	12 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Share Certificate 6 Month	0.90%	0.90%	6 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Share Certificate 8 Month	0.90%	0.90%	8 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Share Certificate 9 Month	0.90%	0.90%	9 Month
Min Deposit $500 Details All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
3 Month IRA IRA Share Certificate	0.90%	0.90%	3 Month IRA
Details APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 10 Month	0.90%	0.90%	10 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 11 Month	0.90%	0.90%	11 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 12 Month	0.90%	0.90%	12 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 3 Month	0.90%	0.90%	3 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 6 Month	0.90%	0.90%	6 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 8 Month	0.90%	0.90%	8 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Share Certificate 9 Month	0.90%	0.90%	9 Month IRA
Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 10 Month	0.90%	0.90%	10 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 11 Month	0.90%	0.90%	11 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 12 Month	0.90%	0.90%	12 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 6 Month	0.90%	0.90%	6 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 8 Month	0.90%	0.90%	8 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificate 9 Month	0.90%	0.90%	9 Month
Min Deposit $500 Details Must open with $500 minimum in new money or have a First Harvest Checking Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

First Harvest Federal Credit Union Savings Rates

Product	Rate	APY
Business Growth Savings Account	2.97%	3.00%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account Tier 2	2.97%	3.00%
Min Balance $1,000 Details All Business Accounts must be opened at a First Harvest branch. Business Growth Savings Account: $500 minimum required to open the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account Tier 3	2.97%	3.00%
Min Balance $100,000 Details All Business Accounts must be opened at a First Harvest branch. Business Growth Savings Account: $500 minimum required to open the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account Tier 4	2.97%	3.00%
Min Balance $250,000 Details All Business Accounts must be opened at a First Harvest branch. Business Growth Savings Account: $500 minimum required to open the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Savings	2.97%	3.00%
Min Balance $1,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Savings Tier 2	2.97%	3.00%
Min Balance $1,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Savings Tier 3	2.97%	3.00%
Min Balance $100,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Savings Tier 4	2.97%	3.00%
Min Balance $250,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Primary Savings	2.97%	3.00%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account	0.45%	0.45%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account Tier 5	0.45%	0.45%
Min Balance $500,000 Details All Business Accounts must be opened at a First Harvest branch. Business Growth Savings Account: $500 minimum required to open the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Savings	0.30%	0.30%
Min Balance $500,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Savings Tier 5	0.30%	0.30%
Min Balance $500,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Primary Savings	0.30%	0.30%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Educator's Club	0.10%	0.10%
Min Balance $100 Details APY shown is paid on balances of $100 or more. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Educator's Club - Tier 1	0.10%	0.10%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Educator's Club - Tier 2	0.10%	0.10%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Primary Savings	0.10%	0.10%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Primary Savings Tier 3	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details APY shown is paid on balances of $100 or more. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Savings	0.05%	0.05%
Min Balance $20,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Primary Savings	0.05%	0.05%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Primary Savings Tier 2	0.05%	0.05%
Min Deposit $5 Min Balance $5,000 Details APY shown is paid on balances of $100 or more. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account	0.01%	0.01%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Growth Savings Account Tier 1	0.01%	0.01%
Min Balance $0 Details All Business Accounts must be opened at a First Harvest branch. Business Growth Savings Account: $500 minimum required to open the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Savings	0.01%	0.01%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Savings Tier 1	0.01%	0.01%
Min Balance $0 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Primary Savings	0.01%	0.01%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Primary Savings Tier 1	0.01%	0.01%
Min Deposit $5 Min Balance $100 Details APY shown is paid on balances of $100 or more. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Special Savings Rate	0.01%	0.01%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Insurance Savings Rate	0.00%	0.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

First Harvest Federal Credit Union Money Market Rates

Product	Rate	APY
Non-Profit Money Market	2.97%	3.00%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Non-Profit Money Market Tier 2	2.97%	3.00%
Min Balance $1,000 Details All Business Accounts must be opened at a First Harvest branch. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Non-Profit Money Market Tier 3	2.97%	3.00%
Min Balance $100,000 Details All Business Accounts must be opened at a First Harvest branch. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Non-Profit Money Market Tier 4	2.97%	3.00%
Min Balance $250,000 Details All Business Accounts must be opened at a First Harvest branch. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Non-Profit Money Market	1.00%	1.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Non-Profit Money Market Tier 1	1.00%	1.00%
Min Balance $0 Details All Business Accounts must be opened at a First Harvest branch. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Non-Profit Money Market	0.50%	0.50%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Non-Profit Money Market Tier 5	0.50%	0.50%
Min Balance $500,000 Details All Business Accounts must be opened at a First Harvest branch. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Money Market	0.15%	0.15%
Min Balance $50,000 Details All Business Accounts must be opened at a First Harvest branch. Business Money Market: Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Money Market Tier 3	0.15%	0.15%
Min Balance $50,000 Details All Business Accounts must be opened at a First Harvest branch. Business Money Market: Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Fees may reduce earnings. Review our Truth In Saving Disclosure for details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Progressive Money Market	0.15%	0.15%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Progressive Money Market Tier 3	0.15%	0.15%
Min Balance $50,000 Details Progressive Money Market requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Money Market	0.07%	0.07%
Min Balance $10,000 Details All Business Accounts must be opened at a First Harvest branch. Business Money Market: Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Money Market Tier 2	0.07%	0.07%
Min Balance $10,000 Details All Business Accounts must be opened at a First Harvest branch. Business Money Market: Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Fees may reduce earnings. Review our Truth In Saving Disclosure for details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Progressive Money Market	0.07%	0.07%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Progressive Money Market Tier 2	0.07%	0.07%
Min Balance $10,000 Details Progressive Money Market requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Money Market	0.05%	0.05%
Min Balance $0 Details All Business Accounts must be opened at a First Harvest branch. Business Money Market: Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Money Market Tier 1	0.05%	0.05%
Min Balance $0 Details All Business Accounts must be opened at a First Harvest branch. Business Money Market: Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Fees may reduce earnings. Review our Truth In Saving Disclosure for details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Progressive Money Market	0.05%	0.05%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Progressive Money Market Tier 1	0.05%	0.05%
Min Balance $0 Details Progressive Money Market requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

First Harvest Federal Credit Union Checking Rates

Product	Rate	APY
Free Checking	1.99%	2.00%
Min Balance $1,000 Details Tier 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Free CheckingGrowth Checking	1.99%	2.00%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Checking	1.99%	2.00%
Min Balance $1,000 Details Must maintain a minimum average daily balance of $1,000 or more, or have a monthly direct deposit of at least $500 or more to avoid a monthly service fee of $4.99. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Checking Tier 2	1.99%	2.00%
Min Balance $1,000 Details Must maintain a minimum average daily balance of $1,000 or more, or have a monthly direct deposit of at least $500 or more to avoid a monthly service fee of $4.99. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Checking Tier 3	1.99%	2.00%
Min Balance $5,000 Details Must maintain a minimum average daily balance of $1,000 or more, or have a monthly direct deposit of at least $500 or more to avoid a monthly service fee of $4.99. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Checking Tier 4	1.99%	2.00%
Min Balance $10,000 Details Must maintain a minimum average daily balance of $1,000 or more, or have a monthly direct deposit of at least $500 or more to avoid a monthly service fee of $4.99. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Checking Tier 5	1.99%	2.00%
Min Balance $25,000 Details Must maintain a minimum average daily balance of $1,000 or more, or have a monthly direct deposit of at least $500 or more to avoid a monthly service fee of $4.99. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Free Checking	0.01%	0.01%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Free CheckingGrowth Checking	0.01%	0.01%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Checking	0.01%	0.01%
Min Balance $0 Details Must maintain a minimum average daily balance of $1,000 or more, or have a monthly direct deposit of at least $500 or more to avoid a monthly service fee of $4.99. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Growth Checking Tier 1	0.01%	0.01%
Min Balance $0 Details Must maintain a minimum average daily balance of $1,000 or more, or have a monthly direct deposit of at least $500 or more to avoid a monthly service fee of $4.99. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

First Harvest Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC 80% LTV	-	-	6.25%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
HELOC 81%-90% LTV	-	-	7.25%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
HELOC 81%-90% LTV	-	-	7.75%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Harvest Federal Credit Union 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 Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Harvest Federal Credit Union

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 114

Part-Time Employees 11

Branch Locations 6

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.42%

Return on Assets (ROA)

0.6176%

Return on Equity (ROE)

7.3506%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

450,617,510

Total Amount of Shares and Deposits

395,913,488

Total Shares and Deposits < 1 Year

331,774,172

Total Shares and Deposits 1 3 Years

51,674,704

Total Shares and Deposits > 3 Years

12,464,612

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

395,913,488

Total Interest Expense (Sum of items 6 8)

4,442,662

Share Certificates

1,634

Number of Accounts for Share Drafts

23,110

IRA KEOGH Accounts

1,264

Number of Accounts for Regular Shares

55,253

Non Member Deposits

Money Market Shares

640

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

2,782,968

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)

16,797,524

Total Liabilities

419,143,821

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

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☆☆☆☆☆

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Frequently Asked Questions About First Harvest Federal Credit Union

How many branches does First Harvest Federal Credit Union operate?

First Harvest Federal Credit Union 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 Federal Credit Union?

Yes, to access services at First Harvest Federal Credit Union, 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 Federal Credit Union 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Harvest Federal Credit Union offer online and mobile banking?

Most modern institutions like First Harvest Federal Credit Union 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.