Certificate of Deposit - CD Rates

Certificates of Deposit

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

Overview

Opening Deposit

Annual Percentage Yield

Available Terms

Overview

Opening Deposit

Dividends

Available Terms

Easy Start

Open

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

Traditional Certificate

Open

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

$1,000

See Account Rates tab below

3 to 60 months

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.

Account Rates

Certificates Rates effective 09-24-2017
	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 09-24-2017
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 09-24-2017
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 09-24-2017
	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

4.6

(based on 32 reviews)

97%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

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- Ease of opening/use:
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Reviewed by 32 customers

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9/5/2017

5.0

I really like Hanscom!

By Jairito

from 1125

Comments about HFCU Certificates:

Very happy!

Convenience:
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8/7/2017

5.0

Great Customer Service and Great Rates!!

By Lucy

from Boston

Comments about HFCU Certificates:

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

Convenience:
Ease of opening/use:
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7/29/2017

5.0

As easy as transferring money from one account to another. T

By Us

from Shrewsbury, MA

Comments about HFCU Certificates:

Easy and quick. One email was all it took!

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7/22/2017

3.0

Fast easy but low interest

By Eyal Groen

from Massachusetts

Comments about HFCU Certificates:

Very easy to open.

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7/20/2017

5.0

Excellent Customer Service

By Little Jean

from Medford, Ma

Comments about HFCU Certificates:

I've been using the Burlington branch office. You have a friendly, knowledgeable Assistant Branch Manager, Anna. After our first meeting, she has remembered my name every time since. As a new customer she has assisted with CD's, online banking and bill-pay. You can't beat the customer service: I'm always greeted immediately when I enter. Even if all employees are busy, someone acknowledges my presence and tells me how long I may have to wait, but it's never too long. So far, my experiences there have been more than satisfactory!

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7/18/2017

5.0

Excellent service

By Jess

from Mass

Comments about HFCU Certificates:

Everytime I have a question or request, I can always create a message and get a timely and satisfactory reply! Thank you so much for all your help!

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7/10/2017

5.0

Excellent customer service

By Geno

from Lynnfield, MA

Comments about HFCU Certificates:

I worked with Lori over the phone to open both a CD and Thrive account. Her friendliness, clear and concise explanations and attention to detail were so helpful!
Thanks for the excellent customer service!

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7/9/2017

5.0

Best rates- Best Customer Service!!

By Pat

from Cape Cod

Comments about HFCU Certificates:

When I was a new VA Hospital employee people that I worked with spoke so favorably about HFCU I found out more about their rates and opened a Checking and a Savings account right away. I then researched the rates for the Thrive Account and immediately opened one for myself. After comparing the rates and services that my husband's bank offered he also opened a Checking, Savings and Thrive account. We have also each built a "CD Ladder" the rates are very favorable and the ease of opening the accounts is a "breeze"!

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7/4/2017

(1 of 1 customers found this review helpful)

1.0

Telephone access

By billfihl

from Southeastern Louisiana

Comments about HFCU Certificates:

Member services, is very difficult to contact, always getting voice mail. Also, after being put on hold for 15 min., the system went to a busy signal, then hung up. There is no option that's says , If you know your party's extension, enter it now. Setting up my online access took about 30 min. with a customer service person who didn't seem to be very knowledgeable. She was very nice, but led me in the wrong direction a couple of times as she walked me through the set up process. You need to provide direct contact phone numbers for your account holders (Recently deposited $100,000 into a CD). I have been a member of HFCU for over 40 years. Although you have attractive rates, the hassle of trying to
contact someone is not so attractive.

5/25/2017

(1 of 1 customers found this review helpful)

2.0

Incredibly unresponsive to needs and questions.

By Me

from MA

Comments about HFCU Certificates:

Incredibly incompetent and power crazed agent. She gave wrong answers consistently. It took over an hour to get a higher authority to answer my question and request correctly and properly.

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Certificates of Deposit

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