Welcome to 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.

The Hub of Your Financial Life

There’s no better way to unlock the full value of your membership than with an HUECU checking account. Choose from a variety of options and enjoy simple terms and straight –forward value, with benefits like, Premium Interest, Cash-back on Debit Purchases, and ATM Fee Refunds.

Convenience and Value in Your Pocket

HUECU offers a selection of credit cards that are simple to use and easy to understand. You’ll find no gimmicks or hidden fees here, but you will get exceptional benefits including Generous Rewards Programs, Great Rates, and Low Fees.

Smart and Simple Home Financing

At HUECU, home loans are our specialty! Whether you are buying a new home or refinancing your existing mortgage, our expert team will find the perfect solution for you and help you every step of the way.

Better Ways to Tackle Tuition

Looking to refinance or consolidate your student loans? Need help paying your child’s tuition? HUECU has you covered with several education loan program options to choose from. We also offer a variety of Graduate Loan Programs specifically tailored for our partners.

Ready to Become a Member?

Getting Started

International Students are eligible to become a member of HUECU. They do not need a SSN to open an account and if they have applied for a student loan they can apply online through our website using the online membership application. If they are not applying for a student loan, they need to have a branch team member process the application.

International scholars and fellows with a Harvard ID or MGH ID can open an account an HUECU branch. They should obtain a TIN within 30 days and notify HUECU with the TIN 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.

Banking with HUECU

  • For international accounts without a SSN and are taking out a loan with HUECU, we will fund the $5 share savings account.
  • For international accounts with a SSN, and are already in the US, you may fund your accounts via debit/credit card, or via external bank transfer (ACH).
    • For those that need to open the account in person they can deposit cash or when they open the account they will be provided their account number and can initiate a wire with their bank in their home country

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 looking to apply for a credit card they can apply online if they have a social security number and over the age of 21 with an address in the United States.

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.