Great value, fast and easy
5
Lisa who handles the IRAs is extremely friendly, helpful and knowledgeable.
AJ
NH
Temporary Changes to Branch Availability
All branches are closed Thursday, November 26, 2020, in observance of Thanksgiving Day.
Click here to see temporary changes to branch availability at our Bedford, Cambridge (Mt. Auburn Hospital), Concord, Dorchester (South Bay Center), JFK, McCormack, MITRE Bedford, MITRE McLean (Virginia), Moakley, Natick, and O'Neill branches.
- Loans & Credit Cards
- Loan Rates
- Mortgages
- Car Loans
- Real Estate Services
- Car Lease-like program
- Home Equity
- Motorcycle, Boat and RV Loans
- Mass Save 0% Loan
- Credit Cards
- Low-Cost HECM Reverse Mortgage
- Personal Loans
- Solar Energy Program
- Personal Line of Credit
- Business Loans
- Private Student Loans
- Pay My Loan
- Calculators
Using Credit Cards
Smart ways to manage your payments and balances Learn more about using credit cards
Budgeting
Budgeting is an important step in achieving any financial goal, but it doesn’t have to be complicated or time consuming. Learn more about budgeting
Mobile Deposits
Make check deposits 24/7 from your mobile device or computer. Learn about EasyDepositTraditional and Roth IRAs
Guaranteed return & federally insured
Traditional and Rollover IRAs
IRA Savings Account
- Full flexibility, no risk.
- Ideal to build balances under $2,000.
IRA Certificates
- Make a commitment, reap the rewards.
- Establish your certificate with as little as $500.
- Choose your term: 6, 12, 18, 30, or 60 months.
IRA Money Market Account
- Enjoy flexibility with higher yields.
- Enjoy rates higher than the IRA Share Account when you keep a balance of at least $2,000.
Consult with a tax adviser to determine what options may be best for you in your unique situation.
Roth IRAs
- Allows you to withdraw earnings tax free if they remain in the Roth IRA for at least 5 years and you are 59½ or older.
- Contributions are non-deductible and may be withdrawn anytime without penalty or taxation.
- Make contributions even after you reach age 70½ and have earned income.
- Distributions are not required after age 70½.
Consult with a tax adviser to determine what investment options may be best for you in your unique situation.
Rates
| Dividend Rate | APY1 | Alert Me | |
|---|---|---|---|
| IRA Share Account (min. bal. $1) | 0.10% | 0.10% | Receive a notification when this rate changes |
| IRA Money Market (min. bal. $2,000) | Dividend Rate | APY1 | Alert Me |
| Balance less than $2,000.00 | 0.00% | 0.00% | Receive a notification when this rate changes |
| $2,000.00 - $9,999.99 | 0.10% | 0.10% | Receive a notification when this rate changes |
| $10,000.00 - $24,999.99 | 0.20% | 0.20% | Receive a notification when this rate changes |
| $25,000.00 - $49,999.99 | 0.25% | 0.25% | Receive a notification when this rate changes |
| $50,000.00 - $74,999.99 | 0.25% | 0.25% | Receive a notification when this rate changes |
| $75,000.00 - and over | 0.35% | 0.35% | Receive a notification when this rate changes |
| IRA Certificates (min. bal. $500) | Dividend Rate | APY2 | Alert Me |
| 6 Month | 0.40% | 0.40% | Receive a notification when this rate changes |
| 12 Month | 0.60% | 0.60% | Receive a notification when this rate changes |
| 18 Month | 0.70% | 0.70% | Receive a notification when this rate changes |
| 30 Month | 0.75% | 0.75% | Receive a notification when this rate changes |
| 60 Month | 1.00% | 1.00% | Receive a notification when this rate changes |
|
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Consult with a tax adviser to determine what options may be best for you in your unique situation.
eBrochures
Get the information you need to make the best decision for you.
Consult with a tax adviser to determine what investment options may be best for you in your unique situation.
Reviews
Ability to talk to a knowledgeable person via the telepho
1
90 % of the time you get the call center. They can not spell HFCU and are totally brain about HFCU services. I would rather have to leave a message and have a knowledgeable HFCU person call me back. The call center is a total waste of HFCU's funds.
steve
NH
Best rates around
5
The rates are the best around and the people that work at all the branches are very knowledgeable and very helpful. I personally have been with HFCU for over 40 years ....
Happy Hanscom
Dracut Massachusetts
quIck
5
Quick response when I asked.
kma
nashua nh
Great service.
5
Served excellent. An excellent communication.
AMorales
Dracut, MA
Great service.
5
Even though I delayed getting my CD renewal returned in a timely manner- the staff was able to quickly and efficiently do as I requested -getting me a great rate for a fairly short term. Always happy with their service - even though most of it is long distance or on-line.
Peggy- Cape Cod
Barnstable County
Super help from the Credit Union customer service rep.
5
Your rep was efficient, pleasant to deal with, and took care of my requests to update my IRA certificates and CDs. Excellent help and easy to understand.
Margaret
Gainesville FL
Great Customer Serrvice
5
Great Customer Service and products.
No One
Massachusetts
Easy and painless
5
I am always impressed with the high standard of professionalism in the staff at Hanscom Federal Credit Union. Thank you for making this a more pleasant experience.
Just Sarah
Massachusetts
GOOD
4
outstanding
ken
boston, ma.
Traditional and Roth IRAs
4.6
21
95.0