Certificates

Earn great rates while reaching your savings goal

Overview

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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 02-19-2017
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) 0.85% 0.85%
12 to 17 Month 0.75% 0.75%
18 to 29 Month 0.95% 0.95%
30-59 Month 1.19% 1.20%
48 Month (available with Premier Checking) 1.98% 2.00%
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 02-19-2017
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 02-19-2017
Dividend Rate APY1 Alert Me
0.75% 0.75%
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 02-19-2017
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.

Reviews

REVIEW SNAPSHOT®

by PowerReviews
HFCUCertificates
 
4.9

(based on 8 reviews)

Ratings Distribution

  • 5 Stars

     

    (7)

  • 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 8 customers

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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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5.0

Simplicity in itself

By 

from Revere, MA

Verified Buyer

Comments about HFCU Certificates:

All I did was send a secure message, after logging in, to membership services, requesting what I wanted to do. I was informed that due to my specific circumstances, I qualified for a better APR, so I went with it. The person whom I was emailing was Mary, a very helpful person.

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5.0

Hanscom Credit Union Bank has very good value, good service

By 

from Natick, MA

Verified Buyer

Comments about HFCU Certificates:

I highly recommend the Hansom Credit Union because people who work there are very helpful, friendly and professional.

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5.0

Certificates

By 

from Belmont Ma

Verified Buyer

Comments about HFCU Certificates:

Thank you so much. Always a great experience at Hfcu . Very polite & helpful

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4.0

Highly reccommended

By 

from Bedford, MA

Verified Buyer

Comments about HFCU Certificates:

I would recommend the HFCU to anyone that needs good banking services. The institution offers all of the banking products I need, good financial advice and convenient locations and hours.

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5.0

Great

By 

from Ma

Verified Buyer
Team member badge of authenticity

Comments about HFCU Certificates:

Great

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5.0

Best CD Rates

By 

from Not Disclosed

Verified Buyer
Site Member

Comments about HFCU Certificates:

Hanscom Federal Credit Union offers the best CD rates.

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