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 06-24-2017
	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 06-24-2017
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 06-24-2017
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 06-24-2017
	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

4.7

(based on 23 reviews)

95%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses

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- Ease of opening/use:
- Value:
- Rate and Terms:

Reviewed by 23 customers

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Displaying reviews 1-10

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5/25/2017

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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5/23/2017

5.0

Very happy

By Mark the worker

from Burlington ma

Comments about HFCU Certificates:

My wife and I really had no idea on CD's or terms . We sat down and at the end couldn't have felt more comfortable.

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5/23/2017

5.0

open a cd

By none

from east bridgewater,ma

Comments about HFCU Certificates:

I called lisa to open a cd . lisa was very helpful and I completed my transaction in less than 5 minutes. I have called lisa many times and she has been very pleasant and helpful

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5/17/2017

5.0

Deposit Certificates

By John and Bon

from Florida and Maine

Comments about HFCU Certificates:

We are very happy with the terms and ease of opening/renewing CDs. The rates are very competitive. The HFCU has the highest rating (5 stars) for safety of deposits. Options for interest payments ar excellent, such as allowing the interest to remain in the CD account or having the interest transferred to our checking for added income to pay our bills. The Professionals at the CU we deal with are exceptional. We are long term (about 40 years) members who are completely satisfied with the overall HFCU package.

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5/14/2017

4.0

Certificates

By Sunshine state

from Seminole fl

Comments about HFCU Certificates:

Helene main branch as always is awesome so is online customer service

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5/11/2017

4.0

Good CU,THANKS

By Ming Wu

from Dunlap IL

Comments about HFCU Certificates:

Good CU,good service.But opening account take too long.

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5/11/2017

5.0

Friendly, helpful Associates & Good Interest Rates

By Ben

from Hartford, CT

Comments about HFCU Certificates:

The people at Hanscom were helpful and friendly every time I called, while I was setting up my account and when I had questions signing up for on-line banking. All of my questions were answered clearly and quickly. I'm glad to be banking with Hanscom.

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4/12/2017

5.0

Excellent

By homebound

from Statesville, NC

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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3/29/2017

5.0

GREAT CREDIT UNION

By boschtool

from milton ,ma

Comments about HFCU Certificates:

staff is always helpful and polite

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3/29/2017

5.0

Certificates

By Monica

from Boston, MA

Comments about HFCU Certificates:

Very happy with the service I receive from this bank.

Convenience:
Ease of opening/use:
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Displaying reviews 1-10

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Certificates of Deposit

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

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