Certificates - Better Returns. Less Risk.

What Makes a Certificate Such a Great Way to Save?

Lock in a guaranteed rate over a fixed period of time
Low minimum investment of $1,000
Terms from 3 months to 5 years
With monthly compounding dividends, you will earn dividends on your dividends.

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Certificate Rates

Open Your Certificate Today!

Choose the share certificate that fits your savings plan. Open any certificate with as little as $1,000.

Questions? Contact us for more information.

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Table data for Term Certificates
Rates effective 12-30-2025
	Dividend Rate	APY¹	Alert Me
Term Certificates (Minimum to Open $1,000.00)			Receive a notification when this rate changes

3 Month	3.687%	3.75%	Receive a notification when this rate changes

6 Month	3.445%	3.50%	Receive a notification when this rate changes

9 Month	3.445%	3.50%	Receive a notification when this rate changes

11 Month Early Access²	3.203%	3.25%	Receive a notification when this rate changes

12 Month	3.445%	3.50%	Receive a notification when this rate changes

18 Month	3.203%	3.25%	Receive a notification when this rate changes

24 Month	3.203%	3.25%	Receive a notification when this rate changes

30 Month	3.203%	3.25%	Receive a notification when this rate changes

36 Month	3.445%	3.50%	Receive a notification when this rate changes

48 Month	3.445%	3.50%	Receive a notification when this rate changes

60 Month	3.445%	3.50%	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. Please refer to the Disclosure for Personal Accounts for more information. 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. ↵ ²The Early Access Certificate includes a special penalty-free offer after six days of opening, that is not available for rollover at maturity. When this Certificate matures, the funds and dividends will automatically be renewed to the next shortest-Term Certificate offered, which may include withdrawal penalties. You can prevent renewal if you mail notice to us at least 30 calendar days before maturity. ↵

Trust Hanscom to Tell It Like It Is

Tips

Use a Certificate Laddering Strategy!

To balance higher long-term rates with the need for occasional access to funds, open multiple share certificates with staggered maturity dates (e.g., a 1-year, 2-year, and 3-year).

As each short-term Certificate matures, you can access the cash or roll it into a new long-term Certificate to continue the cycle.

Testimonials

Real Member in Massachusetts:

HFCU is trustworthy and has been an asset in helping me with my financial security. Examples: mortgages, car loans, money market accounts, direct deposit.

Guidance

Consider Specialized Products.

Early Access Certificates. Allow early withdrawals without a fee in exchange for a slightly lower rate. Talk about flexibility!

Balance Boost. An automatic savings tool that lets you deposit into share certificates monthly to level up your savings!

Want to Level Up Your Savings?

Check out Your Way Checking and Your Way Savings. Get VIP access to Balance Boost.

Available only to members with Your Way Checking and Your Way Savings, Balance Boost is an automatic savings service that helps you achieve your goals, build your savings, and increase your earnings.

Transfer up to $1,500 per month to any Hanscom FCU share certificate
Open a certificate with as little as $0
All regular certificates and certificate specials are eligible
Earn a higher rate of return on your savings

Speak with a Certified Financial Coach to enroll in Balance Boost!

NCUA Share Insurance

Your accounts are insured by the National Credit Union Share Insurance Fund (NCUSIF).

Your accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000.

National Credit Union Administration

The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

Depending on how your accounts are owned and what types of accounts you have, you can increase the total insurance on your funds to greater than $250,000.

Calculate the amount of your insured funds at a federally insured credit union using NCUA’s Share Insurance Estimator. The estimator can be used for personal, business, or government accounts. Personal accounts include individual ownership, joint ownership, payable-on-death (accounts with named beneficiaries), living trusts, and IRAs. The Estimator also includes an extensive Glossary of Terms and Frequently Asked Questions,

You can also read NCUA's More in-depth information on types of deposit accounts