Priding itself on a tradition of excellent service, HUECU provides a complete line of services for all your financial needs. HUECU exclusively serves the Harvard community, including the staff, students and alumni of Harvard University, Harvard teaching hospitals and other affiliated organizations. Like all credit unions, HUECU is a not-for-profit cooperative. Any profits the... show more
Eligibility
Find out if you are eligible to join Harvard University Employees Credit Union.
Harvard University Employees Credit Union Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 01/29/2026.
3.2
290 reviews
from WalletHub and across the web
290 reviews from WalletHub and across the web
What's Your Rating?
Review sort
Harvard University Employees Credit Union
Jm Marine @semperfi7x
Report Abuse
1 Star Rating
Management atrocious. General staff, fine. Main issue (13-years) problem making Card payments by phone. Ex. Security question “What date did you open your account?” Whaa!!? All I want is to pay my Statement balance!! The former Mgr (Mr McGrail) & Board Chair were outstanding, understanding; attempted to help, and encouraged me to phone Branch rather than Card servicer. Worked for awhile. Currently, impossible to reach Board; stiffed by the HSq Branch. I was reluctant to post, as a portion goes to scholarship funds. Oddly, the “culprit” is the Card servicer, but the mgmts attitude, arrogance and inability to recognize the stress placed on customer & staff, over a problem other Cards handle in 5-minutes, make the HUECU a prime example of a corporate mantra - “We don’t care. We don’t have to.”
show more
show less
Product: Harvard University Employees Credit Union Credit Cards
Comment
0
0
Harvard University Employees Credit Union
Hilary J Flores-Hebert @hhebert01
Report Abuse
5 Star Rating
Verified Customer
The HUECU Platinum Mastercard is a great credit card, high limit, no interest for the first 12 months, low interest after that, no APR. Easy online access to e-Statements, my FICO score, credit card rewards, and customer service. Very good credit union too.
show more
show less
Product: Harvard University Employees Credit Union Credit Cards
Comment
0
0
Harvard University Employees Credit Union
Alan Moulaison @soprianos
Report Abuse
5 Star Rating
Verified Customer
They are the best especially with customer service. You can always get a hold of someone to assist you with questions or on line items.
show more
show less
Product: Harvard University Employees Credit Union Credit Cards
Comment
0
0
Harvard University Employees Credit Union
Abe B @Abe_B
Report Abuse
1 Star Rating
We're long-standing members of HUECU. We'd never had a problem with them until we traveled outside the US after first alerting them that we'd be traveling. Sure enough, the first time we tried to use our credit card overseas (airport), it was blocked. We never could get the situation fixed while overseas and were stranded because of it. We had to wait 'til we got back to the US to get a new card. Since then, our card keeps getting flagged for fraud and blocked. This has happened so many times now that we carry an extra credit card just in case...
Condescending, unreliable, dismissive, and unprofessional, HUECU has been so uniformly negative for us, from the start to now, that we're very seriously considering severing all our ties with HUECU.
show more
show less
Product: Harvard University Employees Credit Union Credit Cards
Comment
0
0
Harvard University Employees Credit Union
J vin @vin_vera
Report Abuse
5 Star Rating
Verified Customer
I pay on time and never late. Have never had an issue with the merchant. When I connect with them they have bee professional and polite
show more
show less
Product: Harvard University Employees Credit Union Credit Cards
Comment
0
0
Harvard University Employees Credit Union
ellejw @ellejw
Report Abuse
1 Star Rating
HUECU hardly ever abides by the law, including as emphasized by the CFPB. It continuously, constantly illegally charges interest in contravention of applicable law. It also often makes false statements, including in written credit card statements I am lucky enough even to get eventually, after written request & long delays. This includes after I wrote repeatedly requesting that it please correct uncalled for interest charges appearing online that might appear on the statement & other unwarranted interest charges. There is not enough space here or elsewhere on review internet sites even to state the abundance of terrible conduct by it. They are extremely arrogant & give misleading, inaccurate, deliberately false statements it goes back on unreliably on a regular basis, orally & in writing. Since I have learned it is part of Harvard University & uses Harvard University email, I intend to abide by my conscience not ever to give a single penny again to Harvard University that might subsidize university efforts. Therefore, HUECU will not receive support or funds by me, directly or indirectly, as a result.
show more
show less
Comment
0
0
Harvard University Employees Credit Union
sciw @sciw
Report Abuse
1 Star Rating
Considering credit union status, HUECU behaves in a more arrogant way. Application process is not transparent, prone to unilateral action. Not a bad credit union, but will never survive as an independent entity away from Harvard & affiliated institutions.
show more
show less
Comment
0
0
Harvard University Employees Credit Union
sabineq @sabineq
Report Abuse
1 Star Rating
We have a checking account at HUECU. Last month was the first time we were below the required balance to keep the account free of charge. I immediately send an email to downgrade the account and asked to be refunded the fee (as this was our first time). No can do. I'm very disappointed. I was under the impression Credit Unions were more customer friendly. Might just go back to BAC.
show more
show less
Product: Harvard University Employees Credit Union Checking
Comment
1
0
Harvard University Employees Credit Union
Alexis Rodriguez-Carlson @alexis_rrc
Report Abuse
5 Star Rating
I love banking with HUECU! Not only are their interest rates great, but their web interface was fabulous. You don't always find that with smaller banks and credit unions. And the customer service is fabulous. Several times, I've needed cash and found that I'd forgotten my purse. I could go in, explain my situation, and the teller would quiz me about my account (amount of last deposit, my birthday and address, what accounts I hold there) and then give me the money I needed. You won't find that kind of service with a big chain! The only complaint I have is that it's not always easy to find a place to make a deposit.
show more
show less
Product: Harvard University Employees Credit Union Checking
Comment
0
0
Harvard University Employees Credit Union
Theresa Johnson @theresaj
Report Abuse
5 Star Rating
I am currently a member of this credit union. The place I used to work at had a branch in the building, so it was only natural I would join. I used to go down there and cash my weekly checks without them giving me any hassles about not being able to cover the amount with my balance. In all of the years that I have been doing business with them, I haven't had any issues. I kept my account, but I do not use it as much since it is not very convenient to where I live or work at this time. The customer service there is top-notch and I have never had anyone deal with me in a manner that was less than friendly. I wish they would open more locations in my area.
show more
show less
Comment
0
0
+ 127 WalletHub users submitted a rating without writing a full review + 153 ratings from across the web
Harvard University Employees Credit Union Q&A(8 questions)
Get answers to your questions about Harvard University Employees Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The Harvard Credit Card's starting credit limit is $500. But it can be more if your credit score and income are high enough. Your debt obligations will also be taken into account when the issuer decides about your credit limit.
Your Harvard credit card balance transfer limit is as much as your overall credit limit is. Since they also have no bnalance transfer fee, it's not the worst option out there.
The Harvard Credit Card approval requirements include having at least good credit and being either a Harvard University alumni or an employee.
You are also required to provide certain information on the Harvard Credit Card application, like your name, address and birthdate, for starters. The address must be a physical U.S. location and not a P.O. Box. You also need a Social Security Number (SSN) and to be at least 18 years old.
The Harvard University Employees Credit Union cash advance limit is equal to a portion of your overall credit limit, and you can find more details on your monthly statement or by calling Harvard University Employees Credit Union customer service. You'll also need to contact customer service to get a PIN if you're getting a cash advance at an ATM.
Key Things to Know About Harvard University Employees Credit Union Cash Advances
The starting credit limit for a Harvard University Employees Credit Union credit card is at least $1,000, according to customer service. Harvard Employees Credit Union, however, does not list any credit limits in their credit card terms. You'll find out your credit limit after approval, and applicants with a high income and excellent credit will generally get the highest credit limits.
You may not be able to get a great indication of your potential Harvard Employees Credit Union credit limit...
Yes, the Harvard Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.
The Harvard Credit Card requires at least good credit to be approved. You can...
Harvard Alumni Rewards points are worth 1.13 cents per point, on average. The value of Harvard Alumni Rewards points depends on how they are redeemed. For example, points from Harvard Alumni Rewards are worth up to 1.25 cents each when redeemed for travel, and they are worth 1 cent each when redeemed for cash back.
Ad Disclosure: Certain offers,
companies or professionals (collectively “listings”) that appear on this site, originate from paying advertisers.
For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where listings appear on this site (including, for
example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array
of offers, companies and professionals, but our listings do not represent all financial services companies
or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely
independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
* The information about the following cards has been independently collected
by WalletHub: Harvard Credit Card.
