¡Bienvenido a HUECU! 

The Harvard University Employees Credit Union (HUECU) is Harvard University’s not-for-profit financial institution, exclusively serving Harvard University and its teaching hospitals. As a not-for-profit cooperative, we reinvest our earnings to give you lower transaction fees, better rates, and enhanced service.

HUECU provides banking and personal finance services to our international members while they are in Boston/Cambridge area and beyond. You do not need a Social Security number or to be a U.S. citizen or permanent resident to become an HUECU member.

El centro de su vida financiera

No hay mejor manera de aprovechar todo el valor de su membresía que con una cuenta corriente de HUECU. Elija entre una variedad de opciones y disfrute de términos simples y valor directo, con beneficios como, Interés Premium, Devolución de Efectivo en Compras de Débito, y Reembolsos de Cargos en Cajeros Automáticos.

Comodidad y valor en el bolsillo

HUECU ofrece una selección de tarjetas de crédito que son simples de usar y fáciles de entender. Aquí no encontrará trucos ni cargos ocultos, sino que obtendrá beneficios excepcionales que incluyen generosos programas de recompensas, excelentes tasas y bajos cargos.

Financiación inteligente y sencilla de la vivienda

En HUECU, los préstamos hipotecarios son nuestra especialidad. Ya sea que esté comprando una nueva casa o refinanciando su hipoteca actual, nuestro equipo de expertos encontrará la solución perfecta para usted y le ayudará en cada paso del camino.

Mejores formas de afrontar la matrícula

¿Quiere refinanciar o consolidar sus préstamos estudiantiles? ¿Necesita ayuda para pagar la matrícula de su hijo? HUECU lo tiene cubierto con varias opciones de programas de préstamos educativos para elegir. También ofrecemos una variedad de Programas de Préstamos para Graduados específicamente diseñados para nuestros socios.

Cómo empezar

International students are eligible for HUECU membership.

Students who have applied for an Education Loan and have a Social Security Number (SSN) and a U.S. address may apply for membership here.

Students who have applied for an Education Loan and do not have a Social Security Number and a U.S. address may apply for membership here. This application allows students to open their required share savings account only. Applicants will be asked to enter 999-99-9999 in place of a SSN.

Students who are not borrowing an Education Loan, and/or who do not have a Social Security Number, will need to have a branch team member process their application.

International scholars and fellows with a Harvard ID or Harvard-affiliate ID (link to Membership Eligibility – Harvard University Employees Credit Union (huecu.org)) can open an account an HUECU branch. They should obtain a ITIN within 30 days and notify HUECU with the ITIN provided. These accounts can only be opened when they arrive in the US and the member comes to a branch with evidence of a US residential address, their HUID or MGH ID, a valid passport and initial $5.00 deposit to open the account.

Family with a SSN can open an account but will need a US address to do so online. Family without a SSN do not qualify for membership.

*Anyone opening an account without a SSN will need to complete a W-8 BEN form. We cannot open an account for a citizen living in a US sanctioned country.

Your account will be opened within 10 days of receiving your application and supporting documentation. Once your account is opened we will send your account information in a secure email, as well as instructions for accessing HUECU’s Online Banking and Mobile Banking App.

Debit cards and checks can only be requested and issued once you arrive in the United States. Once you’re here, you can update your mailing address, and submit a request.

Banking with HUECU

  • HUECU will fund the initial $5 deposit for international students without a SSN who are borrowing an Education Loan with HUECU.
  • International applicants with a U.S. address and a SSN may fund their accounts via debit/credit card, or external bank transfer (ACH).
  • Those who need to open their account in person can deposit cash upon opening the account, or initiate a wire transfer with their bank in their home country using the account information provided at opening.

For international members opening the account via DocuSign, you will receive an email with instructions with the account number and how to transfer funds via wire.

Once a member always a member! You can keep your account with HUECU and continue to use it around the world. Please remember as you move it’s important to always update your address in online banking. If you wish to close the account you can do so by visiting a branch before you leave or electing to wire the funds after you have returned home. Please note you will want to maintain activity once every three years to avoid your account being placed in a dormant status and transferred to the Division of Abandoned Property with the Commonwealth of Massachusetts.

To open an account in the branch an international student needs to bring a passport, Harvard ID or Harvard acceptance letter and an initial deposit of $5.00 for the savings and checking account. If the intended member is not a student they need their passport and Harvard ID, initial deposit and proof of address (utility bill or rental agreement is acceptable).

If the member currently has an account with HUECU and wants to apply for a credit card, they may do so if they have a SSN, are over the age of 21, and have a U.S. address.

Thrive Financial Wellness: Learn to Live Your Best Money Life

THRIVE, HUECU’s financial wellness program, brings award winning personal finance education and expertise to members.

Online Courses

Our partners at GreenPath Financial Wellness offer members financial counseling and helpful resources like these courses:

Financial Wellness Blogs

Why Join a Credit Union

Becoming a Credit Union member means that you’ll have access to top-quality benefits and products with a level of personal service that you won’t find at a bank.