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CU Thrive: Saving is Easy
Reward yourself with a terrific rate. Learn more
Mobile Deposits
Make check deposits 24/7 from your mobile device or computer. Learn moreTraditional 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- Contributions are non-deductible and may be withdrawn anytime without penalty or taxation.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
Traditional and Roth IRAs
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| Dividend Rate | APY1 | Alert Me | |
| IRA Share Account (min. bal. $1) | 0.25% | 0.25% | |
| IRA Money Market (min. bal. $2,000) | Dividend Rate | APY1 | Alert Me |
| Balance less than $2,000.00 | 0.00% | 0.00% | |
| $2,000.00 - $9,999.99 | 0.40% | 0.40% | |
| $10,000.00 - $24,999.99 | 0.55% | 0.55% | |
| $25,000.00 - $49,999.99 | 0.65% | 0.65% | |
| $50,000.00 - $74,999.99 | 0.70% | 0.70% | |
| $75,000.00 - and over | 0.80% | 0.80% | |
| IRA Certificates (min. bal. $500) | Dividend Rate | APY | Alert Me |
| 6 Month | 0.55% | 0.55% | |
| 12 Month | 0.85% | 0.85% | |
| 18 Month | 1.04% | 1.05% | |
| 30 Month | 1.19% | 1.20% | |
| 60 Month | 1.83% | 1.85% | |
|
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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
REVIEW SNAPSHOT®
by PowerReviews(based on 9 reviews)
Ratings Distribution
5 Stars
(8)
4 Stars
(0)
3 Stars
(0)
2 Stars
(1)
1 Stars
(0)
100%
of respondents would recommend this to a friend.
Ratings Distribution
5 Stars
(8)
4 Stars
(0)
3 Stars
(0)
2 Stars
(1)
1 Stars
(0)
Pros
Cons
Best Uses
- Convenience:
- Ease of opening/use:
- Value:
- Rate and Terms:
Reviewed by 9 customers
Displaying reviews 1-9
Traditional IRA
By Rosalie
from JP VA Hospital
Comments about HFCU Traditional and Roth IRAs:
Love the courteous, professional service. I have an ally in Ayanna! I'm using my Thrive account to fund next year's contribution.
- Convenience:
- Ease of opening/use:
- Value:
- Rate and Terms:
Bottom Line Yes, I would recommend this to a friend
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IRA support
By John Kyriazis
from Trabuco Canyon, CA
Comments about HFCU Traditional and Roth IRAs:
Service provided by Lisa (IRAs) has been exemplary over the years.
Lisa is responsive and informative when communicating by either email or by phone.
Rates: Although the rates are competitive, they are not sufficient to grow the investments toward a financially secure retirements. If the rates were at a level comparable to the CU Thrive account, additional investments would be made with Hanscom Federal Credit Union.
My ratings above reflect more the customer service (people side) of Hanscom than the product offering.
I have been a member since ~1978 and the service over all these years has been exceptional and supporting of my family.
Thank you.
John Kyriazis
- Convenience:
- Ease of opening/use:
- Value:
- Rate and Terms:
Bottom Line Yes, I would recommend this to a friend
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Knowledgable and fast
By Ai-Yueh
from McLean, VA
Comments about HFCU Traditional and Roth IRAs:
Couldn't ask more from the friendly and curious bank staff for my banking business.
- Ease of opening/use:
- Value:
- Rate and Terms:
Bottom Line Yes, I would recommend this to a friend
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Very Helpful
By Auntie RaRa
from Medford
Comments about HFCU Traditional and Roth IRAs:
Lisa was great. She helped me open and IRA account in a snap.
- Convenience:
- Ease of opening/use:
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- Rate and Terms:
Bottom Line Yes, I would recommend this to a friend
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Great customer service
By Andy
from Quincy MA
Comments about HFCU Traditional and Roth IRAs:
Great customer service I've been a member for 3 years and always receive fast service everything explained in detail .The staff at my local branch spent the time explaining Traditional and Roth IRAs also made recommendations based on my goals and stage in my carer .
- Convenience:
- Ease of opening/use:
- Value:
- Rate and Terms:
Bottom Line Yes, I would recommend this to a friend
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Traditional and Roth IRAs
By Frank the Harley Rider
from Frisco TX
Comments about HFCU Traditional and Roth IRAs:
The IRA department is very good and very helpful. Especially Lisa. Thank You.
- Convenience:
- Ease of opening/use:
- Value:
- Rate and Terms:
Bottom Line Yes, I would recommend this to a friend
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Consistently great service
By Motorcycle maniac
from Frisco Tx
Comments about HFCU Traditional and Roth IRAs:
We have been customers of Hanscom Federal Credit Union for 38 years. We have always found the customer service excellent and interest rates to be better than most other financial institutions.
- Convenience:
- Ease of opening/use:
- Value:
- Rate and Terms:
Bottom Line Yes, I would recommend this to a friend
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Great value, fast and easy
By Old Shark
from Massachusetts
Comments about HFCU Traditional and Roth IRAs:
Doing business with HFCU is always a win! Helpful employees, great products...
- Convenience:
- Ease of opening/use:
- Value:
- Rate and Terms:
Bottom Line Yes, I would recommend this to a friend
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(0 of 1 customers found this review helpful)
IRA interest rates
By James Bunting
from Not Disclosed
Comments about HFCU Traditional and Roth IRAs:
Interest rates are generally low these days, but the rates for HFCU IRA certificates compare poorly to the CU Thrive rate of 3% or to IRA vehicles that include conservative stocks with dividend rates of 2 to 3% and up. Will the HFCU rates increase in the near future?
(0 of 1 customers found this review helpful)
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Displaying reviews 1-9