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Certificate Accounts

With a certificate, you'll earn great rates while reaching your savings goal

Overview

Free Benefits Easy Start Certificates Alert Me
Automatically renewable into the same term
10 calendar day grace period
Online/Mobile Access
Available Terms 3, 6, or 12 months 3 to 60 months
Additional deposits accepted
Relationship Benefits EasyStart Certificates Alert Me
How dividends are paid Dividends accrue daily and post to the account on the last day of the month. Dividends accrue daily and post to the account on the last day of the month.
Available with Premier Checking N/A Higher APY available on 11 and 48 month certificates
No Monthly Fees
Online & Mobile Account Access
Opening Deposit $250 $1,000
Federally Insured
Open a Certificate Online
APY = Annual Percentage Yield. No minimum balance requirements apply to this account. Please refer to the Disclosure for Personal Accounts for more information. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.

EasyStart Certificate

  • Start with as little as $250. 
  • Pick a term: 3, 6 or 12 months.
  • You can make additional deposits (minimum $10) as often as you wish.
  • Dividends compounded and posted monthly. 

Certificates

  • Start with as little as $1,000.
  • Choose your term: 3 to 60 months.
  • Dividends compounded and posted monthly.

Account Rates

Table data for Certificates
 Rates effective 05-30-2020
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 0.40% 0.40% Receive a notification when this rate changes
3 to 5 Month 0.40% 0.40% Receive a notification when this rate changes
6 to 11 Month 0.50% 0.50% Receive a notification when this rate changes
12 to 17 Month 0.75% 0.75% Receive a notification when this rate changes
18 to 29 Month 0.90% 0.90% Receive a notification when this rate changes
19 Month Special 0.90% 0.90% Receive a notification when this rate changes
30-59 Month 1.24% 1.25% Receive a notification when this rate changes
48 Month 1.24% 1.25% Receive a notification when this rate changes
60 Month 1.29% 1.30% Receive a notification when this rate changes
Open a Certificate Online Receive a notification when this rate changes
  • 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. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty. 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.

Table data for CU Thrive
 Rates effective 05-30-2020
Dividend Rate APY1 Alert Me
1.98% 2.00% Receive a notification when this rate changes
  • 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 FCU checking account. This account will not automatically renew at maturity. There can only be one CU Thrive account open per membership. Please refer to the Disclosure for Personal Accounts for more information. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty. To get started click here, stop by any office or call our Member Services Department at 800-656-4328.

Table data for Higher Yield Savings
 Rates effective 05-30-2020
Dividend Rate APY1 Alert Me
0.50% 0.50% Receive a notification when this rate changes
Open a High Yield Savings Online Receive a notification when this rate changes
  • 1High Yield Savings. APY = Annual Percentage Yield. The minimum to open this account is $25,000 and earn the stated APY is $25,000. Rates are variable and may change after the account is opened. Fees may reduce earnings. Rate subject to change without notice. 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.

Table data for Savings
 Rates effective 05-30-2020
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.10% 0.10% Receive a notification when this rate changes
Kasasa Saver®
(min. balance $1)
Must be linked to Kasasa Cash or Kasasa Cash Back® APY2 Alert Me
$50,000.01 and over 0.10% 0.10% Receive a notification when this rate changes
$0.01 to $50,000.00 1.00% 1.00% Receive a notification when this rate changes
Non-qualifying accounts $0.01 and over 0.01% 0.01% Receive a notification when this rate changes
Open a Savings Account Online Receive a notification when this rate changes
Dividend Rate APY Alert Me
Holiday & Vacation Club (min. balance $1) 0.10% 0.10% Receive a notification when this rate changes
Dividend Rate APY Alert Me
Secondary Shares (min. balance $1) 0.10% 0.10%2 Receive a notification when this rate changes
  • 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.
  • 2APY = Annual Percentage Yield.

Reviews

Super experience with Carrina

5

Needed to make changes to my CDs. Needed to change the term, do it on-line. And, I am technologically impaired!!! I'm 75. Carinna was unbelievably patient, and walked me through everything. She is amazing. Bedford, MA office.

Lowell

true

Great service.

5

Always so helpful when I call via phone for transaction. Everyone is nice also when I go in person to Billerica location. Thanks.

Billerica

true

Great Service

5

My account representative (Diane) has been a pleasure to work with and she responds quickly to my requests. I also like the online CD tool for opening new accounts, although the application sometimes runs slower than I'd like, it is very convenient.

Dracut MA

true

ok service...just ok

2

I went into the Bedford MA branch to take a sizeable sum from my savings account and open a new CD instead. It was obvious to the first teller that i knew two other customers there (we greeted each other warmly) and she gave me a piece of paper to write down my transaction. But, when she realized she didn't know how to do what i was requesting she sent me to another teller, right next to my friends. This person obviously didn't have a clue about keeping my transaction quiet, so he belted out the specifics of my transaction. Not cool. Not confidential. Not what I expect as a customer. I also really don't like the open plan of this branch, with tellers sitting around a circle as there is very little confidentiality between employee and customer. I will reconsider going to this branch in the future.

Lexington MA

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Fast, good rates, but need work on messaging

4

There is inconsistent messaging regarding beneficiaries on CDs. I have been told absolutely not by those on front line. Managers have assured me this should be normal course of business. Please make a business decision and ensure it is consistent bottom to top.

VA

true

Trusted! Been with them for over 29 years.

5

Trusted!

Boston Ma

true

Excellent rates and service

5

I've been with HFCU for over 40 years and it continues to offer the best rates, services, and professional assistance for all my financial needs.

Massachusetts

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HFCU

5

Great

Burlington, MA

true

Great rates

4

Wish I could open an CD account online without going into the branch. Got email said declined. Said, "unable to verify your identity". However, I would like to give Sumita from the Natick branch because she always goes out of her way to help me and gets back to me right away.

MA

true

Great Servie, easy sign up!

5

It took less than 10 minutes to sign up for this CD. I knew what I wanted going in, confirmed it with teller and signed up.

Salem, MA

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Certificate Account

4.7 137

95.5