Current Rates

Hanscom Federal Credit Union

Account
Loan
Mortgage
Home Equity


SavingsFebruary 23 - 29, 2012
	Dividend Rate	APY¹
Higher-Yield Savings (min. balance $25,000)	0.90%	0.90%
CU Thrive / CU Drive	3.45%	3.50%
Share Savings (min. balance $25)	0.30%	0.30%
Holiday & Vacation Club	0.30%	0.30%
¹APY = Annual Percentage Yield. Rates for prior month - declared 1/2012 and paid for 1/2012. Next rate declaration will be 2/2012. 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. Please refer to our Disclosure for Personal Accounts for information about dividend calculation methods. 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.


CheckingFebruary 23 - 29, 2012
	Dividend Rate	APY¹
Free Checking	0.00%	0.00%²
Premier Checking	0.30%	0.30%
Advantage Checking	0.25%	0.25%
¹APY = Annual Percentage Yield. Rates for prior month - declared 1/2012 and paid for 1/2012. Next rate declaration will be 2/2012. 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. Please refer to our Disclosure for Personal Accounts for information about dividend calculation methods. 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. ²All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUAs general share insurance rules. The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account. For more information about temporary NCUA Insurance coverage of transaction accounts, visit www.ncua.gov.


Money Market/Business Investment Account (min. opening balance $2,000)February 23 - 29, 2012
	Dividend Rate	APY¹
Balance less than $2,000.00	0.00%	0.00%²
$2,000.00 - $9,999.99	0.40%	0.40%
$10,000.00 - $24,999.99	0.55%	0.55%
$25,000.00 - $49,999.99	0.55%	0.55%
$50,000.00 - $74,999.99	0.60%	0.60%
$75,000.00 - and over	0.70%	0.70%
¹APY = Annual Percentage Yield. Rates for prior month - declared 1/2012 and paid for 1/2012. Next rate declaration will be 2/2012. 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. Please refer to our Disclosure for Personal Accounts for information about dividend calculation methods. 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. ²All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUAs general share insurance rules. The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account. For more information about temporary NCUA Insurance coverage of transaction accounts, visit www.ncua.gov.


Certificates (min. balance $1,000)February 23 - 29, 2012
	Dividend Rate	APY¹
EasyStart (min. balance $250)	0.50%	0.50%
3 to 5 Month	0.50%	0.50%
6 to 11 Month	0.70%	0.70%
11 Month (available with Premier Checking)	1.04%	1.05%
12 to 17 Month	0.90%	0.90%
18 to 29 Month	1.24%	1.25%
30 - 59 Month	1.59%	1.60%
48 Month (available with Premier Checking)	1.88%	1.90%
60 Month	2.03%	2.05%
¹APY = Annual Percentage Yield. Rates for prior month - declared 1/2012 and paid for 1/2012. Next rate declaration will be 2/2012. 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. Please refer to our Disclosure for Personal Accounts for information about dividend calculation methods. 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)February 23 - 29, 2012
	Dividend Rate	APY¹
IRA Share Account	0.30%	0.30%
IRA Money Market
Balance less than $2,000.00	0.00%	0.00%²
$2,000.00 - $9,999.99	0.40%	0.40%
$10,000.00 - $24,999.99	0.55%	0.55%
$25,000.00 - $49,999.99	0.55%	0.55%
$50,000.00 - $74,999.99	0.60%	0.60%
$75,000.00 - and over	0.70%	0.70%
IRA Certificates
6 Month	0.70%	0.70%
12 Month	0.90%	0.90%
18 Month	1.49%	1.50%
30 Month	1.83%	1.85%
60 Month	2.28%	2.30%
¹APY = Annual Percentage Yield. Rates for prior month - declared 1/2012 and paid for 1/2012. Next rate declaration will be 2/2012. 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. Please refer to our Disclosure for Personal Accounts for information about dividend calculation methods. 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. ²All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUAs general share insurance rules. The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account. For more information about temporary NCUA Insurance coverage of transaction accounts, visit www.ncua.gov.

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800-656-4328 | 1610 Eglin St. | Hanscom AFB, MA 01731 | Routing # 2113-8048-3
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