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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 10-18-2019
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 1.69% 1.70% Receive a notification when this rate changes
3 to 5 Month 1.69% 1.70% Receive a notification when this rate changes
6 to 11 Month 1.89% 1.90% Receive a notification when this rate changes
12 to 17 Month 1.98% 2.00% 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 2.23% 2.25% Receive a notification when this rate changes
30-59 Month 2.47% 2.50% Receive a notification when this rate changes
48 Month 2.57% 2.60% Receive a notification when this rate changes
60 Month 2.72% 2.75% 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 10-18-2019
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 10-18-2019
Dividend Rate APY1 Alert Me
1.74% 1.75% 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 10-18-2019
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

Dealt with an IRA CD Expert

5

Got to talk with an IRA CD expert who knew the rules for Minimum Required Distribution (RMD) and knew the HFCU rules for those CDs. Earlier I changed the term of my IRA CD so that I could pay the RMD when required. The term was 30 months instead of my usual 60 months. Staff member told me I could go to 60 months because there is no penalty for withdrawing the RMD. No staff member explained that to me in the past. BTW: I recently got a 12 month CD from another credit union at 3.04%

Huntsville, AL

true

Great Service

5

Was time to renew some CDs, and the transaction was complicated. Roberta did an excellent job with this complicated transaction. She also suggested a different term with a significantly better interest rate. Just outstanding service!!!!

NC

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In 2019 . . . . personal service ? Yes ! ! !

5

A somewhat complex transaction that required a wire transfer through a corporate credit union ( Eascorp ). Handled efficiently and smoothly by 2 staff members at the Great Road Bedford office . . . Matt ……. and Sam ( ? ) .

New Hampshire

Best Banking Experience!

5

We have been members of HFCU since 1995 (and even before that when we lived in MA during 1977-1979). It has been easy to do business with HFCU and their rates--and the products they offer--are excellent. I particularly like the CD rates and the availability of High Yield Savings accounts, as well as the Thrive Accounts. My children, who received college scholarships from HFCU, are also members. It's no wonder that HFCU does well in national rankings of credit unions--they have earned it!

East Walpole, MA

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Best rates around, easy to do and quick.

5

I would do it all over again. They are knowledgeable, friendly and professional.

Billerica Mass

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Very goo rates

5

We have moved most of our CD's to Hanscom. Always good rates and easy to work with.

Ashburn, Va

true

Fast and easy

5

Great customer service. Karen was very helpful.

Thomasville. Ga

true

Best Place to put your money, take out loans, etc.

5

My experience was wonderful. The Member Service Representative was extremely knowledgeable, efficient & kind.

Lynn, MA

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Slow process

1

I opened a cd account and have trying to get cd name changed over to a trust account. The process has been VERY slow and as of today it is still not done. It's been well over a month.

Massachusetts

false

Good value

5

5 yr cd was a good value

Framingham, ma

true

Certificate Account

4.7 120

94.8

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