Certificates

Certificates

Earn great rates while reaching your savings goal

Overview

Opening Deposit

Annual Percentage Yield

Available Terms

Overview

Opening Deposit

Dividends

Available Terms

Get into the savings game with just $250. Add to your account whenever you want.

$250

0.45%

3, 6, or 12 months

Overview

Opening Deposit

Dividends

Available Terms

Increase your returns with no risk. The best rates around and no fees.

$1,000

See Account Rates tab below

3 to 60 months


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

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 the investment below the principal held at the beginning of the term.

Certificates Rates effective 03-01-2015
	Dividend Rate	APY¹	Alert Me
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.

CU Thrive Rates effective 03-01-2015
Dividend Rate	APY¹	Alert Me
2.96%	3.00%

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.

Higher Yield Savings Rates effective 03-01-2015
Dividend Rate	APY¹	Alert Me
0.75%	0.75%

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.

Savings Rates effective 03-01-2015
	Dividend Rate	APY¹	Alert Me
Share Savings (min. balance $25)	0.20%	0.20%

Holiday & Vacation Club (min. balance $1)	0.20%	0.20%

Secondary Shares (min. balance $1)	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.