Certificates of Deposit

With a CD, you'll 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 CD

  • 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 01-17-2018
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 0.70% 0.70%
3 to 5 Month 0.70% 0.70%
6 to 11 Month 0.80% 0.80%
11 Month (available with Premier Checking) 1.24% 1.25%
12 to 17 Month 1.09% 1.10%
18 to 29 Month 1.29% 1.30%
30-59 Month 1.44% 1.45%
48 Month (available with Premier Checking) 2.47% 2.50%
60 Month 2.08% 2.10%
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 01-17-2018
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 01-17-2018
Dividend Rate APY1 Alert Me
1.24% 1.25%
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 01-17-2018
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.30% 0.30%
Holiday & Vacation Club (min. balance $1) 0.25% 0.25%
Secondary Shares (min. balance $1) 0.30% 0.30%
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

Great value (interest rate best- beats out Pentagon FCU)

5

I have always received prompt, friendly but courteous service whenever I've transacted at Hanscom FCU. Thank you for being available and for offering the best rates and terms, given the current state of financial/banking affairs in our country.

New Hampshire

Happy Customer

5

The women at the teller windows are great! Personal, pleasant and efficient....what more can you ask for?

Devens, M

GREAT RATES AND FLEXABILITY

5

I have been a Hanscom member for about 10 years now. One of my first accounts was the easy start CD. You can start it with as little as $250 and add to it as often as you like. It gives you the flexibility you don't get with most CD's. The traditional gives you a slightly better return if you have 3 to 6 months. I absolute favorite is the thrive account. You can start it with as little as $5 dollars a month and save up for a year with almost a 3% rate- the best! I recommend it to friends and family! Is service good? Do you go to your bank and they know you by name and can make a deposit without even giving them an account number! I didn't think so. Hanscom is the best!

Boston MA

excellant service

5

We live in Venice FL now and do all account maintenance by phone. We usually call Lisa and she always helps us in a very efficient manner. Ralph and Gloria Powers

Venice FL

Great service and easy to do business with

4

Great product, good rates

Boston ma

Staff are extremely knowledgeable, helpful and patient!

5

Cynthia at the Billerica location has been so very helpful not only with my personal accounts but also for our condo accounts.

Tewksbury, MA

Satisfied

5

Satisfied

Va

Helpful and knowledgeable.

5

The CU representatives made the changes extremely easy for me to make. And were highly knowledgeable on the products.

Bedford Ma

I really like Hanscom!

5

Very happy!

02145

Great Customer Service and Great Rates!!

5

Great Customer Service, always friendly and knowledgeable. Interest rates are higher than other Banks.

Boston

Certificates

4.7 40

96.0