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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 01-17-2019
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 1.09% 1.10% Receive a notification when this rate changes
3 to 5 Month 1.09% 1.10% Receive a notification when this rate changes
6 to 11 Month 1.19% 1.20% Receive a notification when this rate changes
12 to 17 Month 1.74% 1.75% Receive a notification when this rate changes
18 to 29 Month 2.13% 2.15% Receive a notification when this rate changes
19 Month Special 2.96% 3.00% Receive a notification when this rate changes
30-59 Month 2.47% 2.50% Receive a notification when this rate changes
48 Month 3.06% 3.10% Receive a notification when this rate changes
60 Month 2.96% 3.00% 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 01-17-2019
Dividend Rate APY1 Alert Me
4.89% 5.00% 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 01-17-2019
Dividend Rate APY1 Alert Me
1.98% 2.00% 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 01-17-2019
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.40% 0.40% 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 0.40% 0.40% 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) 0.40% 0.40% Receive a notification when this rate changes
Secondary Shares (min. balance $1) 0.40% 0.40% 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

Courteous and efficient service!

5

Based on some of the negative reviews I had regarding HFCU, I expressed my concerns over the phone and also met with someone at the Devens branch. Once I felt comfortable that my transactions could be handled efficiently, I proceeded to open both a savings and. a CD account. The agent was personable , helpful and knowledgeable.

Massachusetts

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Excellent value and service

5

Sergio: My favorite banker and is helpful and efficient!! I have a choice and I continue to do my personal banking with him. He is a credit to your organization!

McLean VA

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Buying CD

5

Very prompt service provided in response to request.

MI

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Great value

5

Hanscom offers great products with really good rates.

Boston, MA

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Very fast & easy setup

5

We love Hanscom FCU. The staff at both branches we use are so friendly & kind. They are very knowledgeable to your needs & wants & even help you decide what is helpfull to your needs.

Massachusetts

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56 yrs of perfect service

5

HFCU handles all our daily financial transactions. The saving products are unequalied in interests rates. I have received 52 yrs of flawless service. In the 52 years I have only been in a HFCU office once, the day I joined, 1962. Even before the interne HFCU provided timely and accurate service using the mail..

Las Cruces New Mexico

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48 month CD

5

Opened preferred checking to obtain favorable rates with understanding if better rates emerge in future my CD may be converted to the new rate.

Maynard

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Best credit union around

5

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

Medford lsfama@yahoo.com

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a great place to do business.

5

a great place to do business.

Beverly ma

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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

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Certificate Account

4.8 56

98.1

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