Postdocs - Harvard University Employees Credit Union
Please note: For the most up-to-date information on HUECU's response to the COVID-19 pandemic including branch availability, please visit


As you embark on the next stage of your career, know that HUECU is here to help you. HUECU is a not-for-profit cooperative exclusively serving the Harvard community. We help our members achieve their financial goals by offering low-cost, consumer-friendly services and sincere, sound advice.

We make it easy for international postdocs to transition into new accounts. A Social Security number is not required.

Savings Account
Crimson Checking Account
• MasterCard® Debit Card
• MasterCard® Credit Card

Know the Basics

Your Credit Score

Whether you will be moving into a new apartment, or borrowing a loan, chances are you will have your credit report pulled by a landlord or lender. Understanding your credit report and how it is used will help you get the best rates and save money in the long-term.

Federal and Massachusetts Tax Benefits

Don’t wait until tax season to research tax benefits. The earlier you know about tax credits and deductions available to you, the sooner you can plan.

  • Student loan deduction you can reduce your taxable income by up to $2,500 if you are paying student loan interest. The lower your taxable income, the lower the amount of tax you must pay.
  • Lifetime Learning Credit : If you paid for education expenses this year, then you may be eligible for up to $2,000 in a lifetime learning credit that would directly reduce the tax you must pay.
  • Massachusetts Rent Paid Deduction: Paid rent in Massachusetts? You may be eligible for up to $3,000 tax deduction or $2,500 for non-residents.
  • Federal Moving Expense Deduction: If you meet certain requirements, you may be eligible to deduct moving expenses due to the start of a job in a new location.
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