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Hanscom Federal Credit Union

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Current Rates and Yields

SavingsRates effective Sept 1-3, 2014
Dividend Rate APY
Share Savings (min. balance $25) 0.20% 0.20%1
Holiday & Vacation Club 0.20% 0.20%
1APY = Annual Percentage Yield. The minimum to open this account is $25 (for the Share Savings) and $1.00 (for the Club). For this type of account, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All Other dividend periods follow this same pattern of dates. The dividend declaration is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividend. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.


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CU ThriveRates effective Sept 1-3, 2014
Dividend Rate APY
  2.96 3.00%1
1APY = Annual Percentage Yield. No minimum balance requirements apply to this account. Rates for a CU Thrive Account are fixed for the full term (12 months) with a maximum contribution amount of $500 per month. You may schedule transfers up to $500.00 (minimum $5.00 ) each month from a Hanscom checking account. This account will not automatically renew at maturity. 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.


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Higher Yield SavingsRates effective Sept 1-3, 2014
Dividend Rate APY
  0.75% 0.75%1
1High Yield Savings. APY = Annual Percentage Yield. The minimum to open this account is $25,000. For this type of account, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All Other dividend periods follow this same pattern of dates. The dividend declaration is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividend. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Please refer to the Disclosure for Personal Accounts for more information.


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CheckingRates effective Sept 1-3, 2014
Dividend Rate APY
Premier Checking 0.20% 0.20%1
Free Checking 0.00% 0.00%2
1APY = Annual Percentage Yield. No minimum balance requirements apply to this account. You must maintain an average daily balance of $2,000 or a combined average daily balance of $6,000.00 in any type of savings account or loan product to avoid a monthly fee. Please refer to the Disclosure for Personal Accounts for more information. For this type of account, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All Other dividend periods follow this same pattern of dates. The dividend declaration is the last day of the dividend period, and for the example above is January 31.
2APY = Annual Percentage Yield. No minimum balance requirements apply to this account. First 10 network ATM transactions per statement period are free. Please use our locator to find over 100,000 surcharge free ATMs nationwide.


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Money Market/Business Investment AccountRates effective Sept 1-3, 2014
Dividend Rate APY1
Balance less than $2,000.00 0.00% 0.00%
$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%
1APY = Annual Percentage Yield. The minimum to open this account is $2,000. For this type of account, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All Other dividend periods follow this same pattern of dates. The dividend declaration is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividend. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Please refer to the Disclosure for Personal Accounts for more information.


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CertificatesRates effective Sept 1-3, 2014
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 0.70% 0.70%
18 to 29 Month 0.85% 0.85%
30 - 59 Month 1.09% 1.10%
48 Month (available with Premier Checking) 1.59% 1.60%
60 Month 1.74% 1.75%
1APY = Annual Percentage Yield. The minimum to open this account is $1,000 except where noted. For this type of account, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All Other dividend periods follow this same pattern of dates. The dividend declaration is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividend. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Please refer to the Disclosure for Personal Accounts for more information.


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Traditional and Roth IRAsRates effective Sept 1-3, 2014
Dividend Rate APY1
IRA Share Account (min. bal. $1) 0.20% 0.20%
IRA Money Market (min. bal. $2,000)    
Balance less than $2,000.00 0.00% 0.00%
$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%
  Dividend Rate APY2
IRA Certificates (min. bal. $500)    
6 Month 0.55% 0.55%
12 Month 0.70% 0.70%
18 Month 0.85% 0.85%
30 Month 1.09% 1.10%
60 Month 1.74% 1.75%
1IRA. APY = Annual Percentage Yield. The minimum to open this account is $1.00 (for the IRA Share Account) and $2,000 (for the IRA Money Market Account). For this type of account, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All Other dividend periods follow this same pattern of dates. The dividend declaration is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividend. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Please refer to the Disclosure for Personal Accounts for more information.
2IRA Certificates. APY = Annual Percentage Yield. The minimum to open this account is $500. For this type of account, the dividend period is monthly. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Early withdrawal penalties may apply to certificates. Fees may reduce the investment below the principal held at the beginning of the term. Please refer to the Disclosure for Personal Accounts for more information.


Open a New Account Online