1APY = Annual Percentage Yield. Rates for prior month - declared 04/2013 and paid for 04/2013. Next rate declaration will be 05/2013. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. CU Thrive rates are fixed for the full term (12 months) with a maximum amount of $500 per month. Please refer to the Disclosure for Personal Accounts for more information. Early withdrawal penalties may apply to certificates. Fees may reduce the investment below the principal held at the beginning of the term. To open an account click here, stop by any office or call our Member Services Department at 800-656-4328.
CheckingMay 23-29, 2013
Dividend Rate
APY1
Free Checking
0.00%
0.00%2
Premier Checking
0.20%
0.20%
1APY = Annual Percentage Yield. Rates for prior month - declared 04/2013 and paid for 04/2013. Next rate declaration will be 05/2013. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. CU Thrive rates are fixed for the full term (12 months) with a maximum amount of $500 per month. Please refer to the Disclosure for Personal Accounts for more information. Early withdrawal penalties may apply to certificates. Fees may reduce the investment below the principal held at the beginning of the term. To open an account click here, stop by any office or call our Member Services Department at 800-656-4328. 2For more information about NCUA Insurance coverage visit www.ncua.gov.
1APY = Annual Percentage Yield. Rates for prior month - declared 04/2013 and paid for 04/2013. Next rate declaration will be 05/2013. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. CU Thrive rates are fixed for the full term (12 months) with a maximum amount of $500 per month. Please refer to the Disclosure for Personal Accounts for more information. Early withdrawal penalties may apply to certificates. Fees may reduce the investment below the principal held at the beginning of the term. To open an account click here, stop by any office or call our Member Services Department at 800-656-4328. 2For more information about NCUA Insurance coverage visit www.ncua.gov.
Certificates (min. balance $1,000)May 23-29, 2013
Dividend Rate
APY1
EasyStart (min. balance $250)
0.45%
0.45%
3 to 5 Month
0.45%
0.45%
6 to 11 Month
0.55%
0.55%
11 Month (available with Premier Checking)
0.85%
0.85%
12 to 17 Month
0.75%
0.75%
18 to 29 Month
0.85%
0.85%
30 - 59 Month
1.14%
1.15%
48 Month (available with Premier Checking)
1.59%
1.60%
60 Month
1.69%
1.70%
1APY = Annual Percentage Yield. Rates for prior month - declared 04/2013 and paid for 04/2013. Next rate declaration will be 05/2013. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. CU Thrive rates are fixed for the full term (12 months) with a maximum amount of $500 per month. Please refer to the Disclosure for Personal Accounts for more information. Early withdrawal penalties may apply to certificates. Fees may reduce the investment below the principal held at the beginning of the term. To open an account click here, stop by any office or call our Member Services Department at 800-656-4328.
Traditional and Roth IRAs (min. bal. $500)May 23-29, 2013
Dividend Rate
APY1
IRA Share Account
0.20%
0.20%
IRA Money Market
Balance less than $2,000.00
0.00%
0.00%2
$2,000.00 - $9,999.99
0.25%
0.25%
$10,000.00 - $24,999.99
0.40%
0.40%
$25,000.00 - $49,999.99
0.40%
0.40%
$50,000.00 - $74,999.99
0.45%
0.45%
$75,000.00 - and over
0.55%
0.55%
IRA Certificates
6 Month
0.55%
0.55%
12 Month
0.75%
0.75%
18 Month
0.85%
0.85%
30 Month
1.14%
1.15%
60 Month
1.69%
1.70%
1APY = Annual Percentage Yield. Rates for prior month - declared 04/2013 and paid for 04/2013. Next rate declaration will be 05/2013. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Association (NCUA), an agency of the federal government. CU Thrive rates are fixed for the full term (12 months) with a maximum amount of $500 per month. Please refer to the Disclosure for Personal Accounts for more information. Early withdrawal penalties may apply to certificates. Fees may reduce the investment below the principal held at the beginning of the term. To open an account click here, stop by any office or call our Member Services Department at 800-656-4328. 2For more information about NCUA Insurance coverage visit www.ncua.gov.
New and Used Cars, Trucks and VansMay 1, 2013
APR1
Payment per $1,0002
Up to 24 Months
1.49%
$42.32
25 to 36 Months
1.99%
$28.64
37 to 48 Months
2.19%
$21.78
49 to 60 Months
2.49%
$17.74
61 to 72 Months
3.49%
$15.41
73 to 84 Months
4.49%
$13.90
1Rates reflect a 1/4% discount for automatic payment from a Hanscom FCU checking account. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Additional discounts may be available for fuel efficient vehicles and/or when loan to value is 90% or lower. Maximum loan to value for vehicle loans is 120% for members with the best credit profile. Contact Member Services at 800-656-4328 for rate details. Active Duty members in the U.S. Military (Army, Navy, Air Force, Marines, Coast Guard, National Guard or Active Reserves) can get 0.25% discount for loans on new and used vehicles. Spouses and retired military personnel are not eligible. 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.
New and Used Boats, Motorcycles and RVsMay 1, 2013
APR2
Payment per $1,0001
Up to 24 Months
1.74%
$42.43
25 to 36 Months
2.24%
$28.75
37 to 48 Months
2.44%
$21.91
49 to 60 Months
2.74%
$17.85
61 to 72 Months
3.74%
$15.53
73 to 84 Months
4.74%
$14.01
1Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. 2APR=Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
Better Than a Lease LoanMay 1, 2013
Better than a Lease : New Vehicle
APR
Maximum Term
1% above vehicle loan rate1
72 months
Better than a Lease : Used Vehicle
APR
Maximum Term
1% above vehicle loan rate
48 months
1APR=Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
Personal/Signature LoanMay 1, 2013
APR2
Payment per $1,0001
Up To 60 months
8.49%
$20.51
1Repayment amounts will vary depending on the term. This example is estimated for the maximum term. 2APR=Annual Percentage Rate. Rates reflect a 1/4% discount for automatic payment from a Hanscom FCU checking account. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Contact Member Services at 800-656-4328 for rate details.
Visa Credit CardMay 1, 2013
APR1
Payment per thousand2
Visa Platinum Credit Card
8.49%
Varies
Visa Platinum Secured Credit Card
8.49%
Varies
1APR=Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details. 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.
Reserve Line of CreditMay 1, 2013
APR1
8.49%
1APR=Annual Percentage Rate. Rates reflect a 1/4% discount for automatic payment from a Hanscom FCU checking account. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Contact Member Services at 800-656-4328 for rate details.
Share SecuredMay 1, 2013
APR1
security rate + 3%
1APR=Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
1APR=Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details. 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term. 3The plan allows up to three fixed rate advances from your line at any given time during the 10 year draw period. If you terminate your line within the first 24 months after closing, you will be responsible for closing costs. These costs generally range from $400-$700. Closing costs do not include any taxes, or extra appraisal costs (if necessary). Interest begins accruing upon loan disbursal. Check with your tax adviser about tax deductibility of interest. Homeowners insurance is required. Total Mortgages/Property Value = LTV
