Independence Day

On Friday, July 3, the following branches will be closed in observance of Independence Day: Concord, Natick, O'Neill, JFK, McCormack, Barnes, Coast Guard, and Moakley. All branch locations will be closed on Saturday, July 4, 2020. Our Concord branch will also be closed on Monday, July 6. 

Certificate Accounts

With a certificate, 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 Certificate

  • 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 07-04-2020
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 0.40% 0.40% Receive a notification when this rate changes
3 to 5 Month 0.40% 0.40% Receive a notification when this rate changes
6 to 11 Month 0.50% 0.50% Receive a notification when this rate changes
12 to 17 Month 0.75% 0.75% Receive a notification when this rate changes
18 to 29 Month 0.90% 0.90% Receive a notification when this rate changes
19 Month Special 0.90% 0.90% Receive a notification when this rate changes
30-59 Month 0.95% 0.95% Receive a notification when this rate changes
48 Month 0.95% 0.95% Receive a notification when this rate changes
60 Month 1.00% 1.00% 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 07-04-2020
Dividend Rate APY1 Alert Me
1.98% 2.00% Receive a notification when this rate changes
  • 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 07-04-2020
Dividend Rate APY1 Alert Me
0.50% 0.50% 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 07-04-2020
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.10% 0.10% Receive a notification when this rate changes
Kasasa Saver®
(min. balance $1)
Must be linked to Kasasa Cash or Kasasa Cash Back® APY2 Alert Me
$50,000.01 and over 0.10% 0.10% Receive a notification when this rate changes
$0.01 to $50,000.00 1.00% 1.00% 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
Dividend Rate APY Alert Me
Holiday & Vacation Club (min. balance $1) 0.10% 0.10% Receive a notification when this rate changes
Dividend Rate APY Alert Me
Secondary Shares (min. balance $1) 0.10% 0.10%2 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.
  • 2APY = Annual Percentage Yield.

Reviews

Cd Renewal

5

Unfortunately cd rates are bad everywhere buy Hanscom did have one if the best rates locally

Wellesley

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Great cd customer service!

5

Tough times

Ma

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Certificate

5

HFCU is an excellent credit union. I am always pleased with the service I receive from the manager and employees at the base.

Massachusetts

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Hanscom 19 months CD give the best rate

5

very satisfied with the customer service woman

Boston, MA

true

Inconvenient and time consuming

3

I've been a happy member of HFCU for well over 25 years. Recently I had what I consider to be a well below par experience with a six month CD. The first time you asked for my feedback, I declined, figuring "why rock the boat." But you persist. So... Whenever in the past I opened CDs (many times), I did so with a single call. Your employee asked me a few simple questions, combined that with information you already had on hand, and the CD appeared on my account. Less than 5 minutes on line and I had exactly what I wanted. This time your employee referred me to an on-line pathway to open an account. This proved to be a log series of questions, mostly about information you already had garnered over the past 27 years. One question, of which I absolutely fail to see any relevance whatsoever for a CD, was what my monthly rent is. So I typed in $625 and the cell reverted to 6.25. After doing this a few times, I decided, well, if they want 6.25 for monthly rent, I'll give it to them --- and was immediately passed on to the next question. After several more questions, at the end of the questionnaire, I was asked to provide photo ID, when I was deep in MY OWN account. WTH? I am a 73 y/o Male with COPD, and only a landline phone with no access to digital technology and locked down in Rhode Island. I repeat WTH? So, on the step before the last one, there was an opportunity to save what I had entered so far. Which I did. When I returned to my dashboard, I saw a 6 month CD opened with a zero balance. It took another day to see the $1100 balance appear, so I suppose I lost a day of interest. It would appear to me in this days of accumulating tera-data, you have lost complete sight of your customers. God forbid you are selling the data you accumulate to others for profit. I look back to the days when I got a CD in 5 minutes with one of your friendly employees.

Woonsocket, RI

Super experience with Carrina

5

Needed to make changes to my CDs. Needed to change the term, do it on-line. And, I am technologically impaired!!! I'm 75. Carinna was unbelievably patient, and walked me through everything. She is amazing. Bedford, MA office.

Lowell

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Great service.

5

Always so helpful when I call via phone for transaction. Everyone is nice also when I go in person to Billerica location. Thanks.

Billerica

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Great Service

5

My account representative (Diane) has been a pleasure to work with and she responds quickly to my requests. I also like the online CD tool for opening new accounts, although the application sometimes runs slower than I'd like, it is very convenient.

Dracut MA

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ok service...just ok

2

I went into the Bedford MA branch to take a sizeable sum from my savings account and open a new CD instead. It was obvious to the first teller that i knew two other customers there (we greeted each other warmly) and she gave me a piece of paper to write down my transaction. But, when she realized she didn't know how to do what i was requesting she sent me to another teller, right next to my friends. This person obviously didn't have a clue about keeping my transaction quiet, so he belted out the specifics of my transaction. Not cool. Not confidential. Not what I expect as a customer. I also really don't like the open plan of this branch, with tellers sitting around a circle as there is very little confidentiality between employee and customer. I will reconsider going to this branch in the future.

Lexington MA

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Fast, good rates, but need work on messaging

4

There is inconsistent messaging regarding beneficiaries on CDs. I have been told absolutely not by those on front line. Managers have assured me this should be normal course of business. Please make a business decision and ensure it is consistent bottom to top.

VA

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Certificate Account

4.7 142

95.6