Mobile menu navigation

Certificates of Deposit

With a CD, you'll 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 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

Table data for Certificates
 Rates effective 07-17-2018
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 0.85% 0.85% Receive a notification when this rate changes
3 to 5 Month 0.85% 0.85% Receive a notification when this rate changes
6 to 11 Month 0.95% 0.95% Receive a notification when this rate changes
11 Month (available with Premier Checking) 1.49% 1.50% Receive a notification when this rate changes
12 to 17 Month 1.24% 1.25% Receive a notification when this rate changes
18 to 29 Month 1.89% 1.90% Receive a notification when this rate changes
30-59 Month 1.98% 2.00% Receive a notification when this rate changes
48 Month (available with Premier Checking) 2.72% 2.75% Receive a notification when this rate changes
60 Month 2.23% 2.25% Receive a notification when this rate changes
Open a Certificate Online Receive a notification when this rate changes
  • 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.↵

Table data for CU Thrive
 Rates effective 07-17-2018
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.↵

Table data for Higher Yield Savings
 Rates effective 07-17-2018
Dividend Rate APY1 Alert Me
1.24% 1.25% Receive a notification when this rate changes
Open a High Yield Savings Online Receive a notification when this rate changes
  • 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.↵

Table data for Savings
 Rates effective 07-17-2018
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.30% 0.30% Receive a notification when this rate changes
Kasasa Saver®
(min. balance $1)		 Must be linked to Kasasa Cash or Kasasa Cash Back® Alert Me
$50,000.01 and over 0.30% 0.30% Receive a notification when this rate changes
$0.01 to $50,000.00 1.49% 1.50% Receive a notification when this rate changes
Non-qualifying accounts $0.01 and over 0.01% 0.01% Receive a notification when this rate changes
Open a Savings Account Online Receive a notification when this rate changes
Holiday & Vacation Club (min. balance $1) 0.30% 0.30% Receive a notification when this rate changes
Secondary Shares (min. balance $1) 0.30% 0.30% Receive a notification when this rate changes
  • 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

Best credit union around

5

Best credit union around and I belong to a couple of them.

Medford lsfama@yahoo.com

true

a great place to do business.

5

a great place to do business.

Beverly ma

true

Prompt and helpful service

5

I am a customer many years with HFCU. The quality of service is prompt and impeccable. Any query that is made online gets answered the next business day. I am satisfied customer.

Phialadelphia, PA

true

fast response to questions and needs

5

Great people to work with

Lyndonville, NY

true

Loan approval with ease

5

When in search of a car loan HFCU stepped up and with minimal requirements we were approved faster than our current bank could operate and with a lower rate. Since then I have switched all my accounts to HFCU and gone on to buy a home with their customer friendly rates and mortgage terms. The staff greet you with a personable attitude and neighborly assistance.

Burlington MA

true

great credit union

5

i wouldnt never change it, no body can do what hanscom federal credit union does

boston ma

true

Wonderful Customer Service

5

We have used Hancom Federal Credit Union for years in the Bedford office. Everyone there know us and our dog Ava. She is always greeted by everyone there and they love her. Your manager Bill is wonderful as well as his employees. We did use your new Billerica office a couple of weeks ago and the Patty the manager was very helpful. My husband and I agree the setup for the Billerica office is not user friendly. We both felt when we walked in the door the place was closed. Yes someone did come out to greet us but it appeared everyone was behind doors. You don't think it's a bank and it's a very odd setup. We will use that bank only if we are short on time other than that we like being greeted and the openness the Bedford office provides. Again all your employees and mangers are phenomenal and we love Hanson Federal Credit Union.

Tewksbury, Ma

true

With Fed Credit Unions since 1968. Always treated well.

5

I will be transferring most of my money market assets to you. I believe you have better CD rates than PenFed or USAA. If you have a comparison tool I would like to see it.

Devens, MA 01434

true

Member Services is good

5

As usual Member Services took care or my problem quickly and efficiently.

Springfield

true

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

true

Certificates

4.7 49

97.9

Open an Account
Free Investment Consultation
WATCH: What is Shared Branching?
Open an Account
Free Investment Consultation
WATCH: What is Shared Branching?