Certificates

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

  • 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

Certificates

  •  Rates effective 04-26-2017
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) 1.00% 1.00%
12 to 17 Month 0.85% 0.85%
18 to 29 Month 1.04% 1.05%
30-59 Month 1.19% 1.20%
48 Month (available with Premier Checking) 2.47% 2.50%
60 Month 1.83% 1.85%
Open a Certificate Online
  • 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.

CU Thrive

  •  Rates effective 04-26-2017
Dividend Rate APY1 Alert Me
2.96% 3.00%
I want to get started. Call me.
  • 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.

Higher Yield Savings

  •  Rates effective 04-26-2017
Dividend Rate APY1 Alert Me
1.00% 1.00%
Open a High Yield Savings Online
  • 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.

Savings

  •  Rates effective 04-26-2017
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.25% 0.25%
Holiday & Vacation Club (min. balance $1) 0.25% 0.25%
Secondary Shares (min. balance $1) 0.25% 0.25%
Open a Savings Account Online
  • 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.

Reviews

REVIEW SNAPSHOT®

by PowerReviews
HFCUCertificates
 
4.9

(based on 16 reviews)

Ratings Distribution

  • 5 Stars

     

    (15)

  • 4 Stars

     

    (1)

  • 3 Stars

     

    (0)

  • 2 Stars

     

    (0)

  • 1 Stars

     

    (0)

100%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
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Reviewed by 16 customers

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5.0

Excellent

By 

from Statesville, NC

Verified Buyer

Comments about HFCU Certificates:

I was just guessing that the far right star is the best. Am I right? I live 800 miles away from where I could get to the office, and yet I feel more at home doing my business with you and much easier than some of the local financial institutions.

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5.0

GREAT CREDIT UNION

By 

from milton ,ma

Verified Buyer

Comments about HFCU Certificates:

staff is always helpful and polite

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5.0

Certificates

By 

from Boston, MA

Verified Buyer

Comments about HFCU Certificates:

Very happy with the service I receive from this bank.

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5.0

CD purchase

By 

from McLean,VA

Verified Buyer

Comments about HFCU Certificates:

have been getting excellent service from Hanscom over many years

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5.0

Super easy to set up and great rates, I'm very happy!

By 

from New Hampshire

Verified Buyer

Comments about HFCU Certificates:

I am impressed with how easy it fast it was to open and fund the CD

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5.0

Kudos goes out to Lisa M., IRA Specialist.

By 

from Quincy, MA

Verified Buyer

Comments about HFCU Certificates:

As stated above, Lisa M., IRA Specialist was SO much help to me! It was my pleasure dealing with her and is one of Hanscom Federal Credit Union's assets!

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5.0

excellent

By 

from williamsburg, va

Verified Buyer

Comments about HFCU Certificates:

Didn't have any special person to deal.

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5.0

She made it easy.........

By 

from Billerica Ma and New Smyrna Beach Fl

Verified Buyer

Comments about HFCU Certificates:

I stopped in to the Bedford Mass office and was able to open two different types of certificate accounts and only wrote one check.

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5.0

A bargain every visit.

By 

from Methuen MA 01844

Verified Buyer

Comments about HFCU Certificates:

Great bank services.

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5.0

Bank at Hanscom!

By 

from Waltham, Mass

Verified Buyer

Comments about HFCU Certificates:

Best rates by far, best customer service, best hours.

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Displaying reviews 1-10

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