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 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)

Ratings Distribution

  • 5 Stars

     

    (26)

  • 4 Stars

     

    (3)

  • 3 Stars

     

    (1)

  • 2 Stars

     

    (1)

  • 1 Stars

     

    (1)

97%

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 32 customers

Displaying reviews 1-10

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5.0

I really like Hanscom!

By 

from 1125

Verified Buyer

Comments about HFCU Certificates:

Very happy!

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5.0

Great Customer Service and Great Rates!!

By 

from Boston

Verified Buyer

Comments about HFCU Certificates:

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

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5.0

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

By 

from Shrewsbury, MA

Verified Buyer

Comments about HFCU Certificates:

Easy and quick. One email was all it took!

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3.0

Fast easy but low interest

By 

from Massachusetts

Verified Buyer

Comments about HFCU Certificates:

Very easy to open.

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5.0

Excellent Customer Service

By 

from Medford, Ma

Verified Buyer

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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5.0

Excellent service

By 

from Mass

Verified Buyer

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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5.0

Excellent customer service

By 

from Lynnfield, MA

Verified Buyer

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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5.0

Best rates- Best Customer Service!!

By 

from Cape Cod

Verified Buyer

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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(1 of 1 customers found this review helpful)

 
1.0

Telephone access

By 

from Southeastern Louisiana

Verified Buyer

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.

(1 of 1 customers found this review helpful)

 
2.0

Incredibly unresponsive to needs and questions.

By 

from MA

Verified Buyer

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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