Mobile menu navigation

Traditional 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  • Contributions are non-deductible and may be withdrawn anytime without penalty or taxation.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

Table data for Traditional and Roth IRAs
 Rates effective 12-12-2018
Dividend Rate APY1 Alert Me
IRA Share Account (min. bal. $1) 0.40% 0.40% 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 0.65% 0.65% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.85% 0.85% Receive a notification when this rate changes
$25,000.00 - $49,999.99 0.95% 0.95% Receive a notification when this rate changes
$50,000.00 - $74,999.99 1.05% 1.05% Receive a notification when this rate changes
$75,000.00 - and over 1.14% 1.15% Receive a notification when this rate changes
IRA Certificates (min. bal. $500) Dividend Rate APY Alert Me
6 Month 1.19% 1.20% Receive a notification when this rate changes
12 Month 1.49% 1.50% Receive a notification when this rate changes
18 Month 2.13% 2.15% Receive a notification when this rate changes
30 Month 2.23% 2.25% Receive a notification when this rate changes
60 Month 2.96% 3.00% Receive a notification when this rate changes
  • 1IRA. APY = Annual Percentage Yield. The minimum to open this account is $1.00 (for the IRA Share Account) and $2,000 (for the IRA Money Market Account). 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.↵

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

GOOD

4

outstanding

boston, ma.

true

Helpful and Great Value

5

I've been a member for over 40 years. The people at the CU are exceptionally helpful. Overall, the loan and savings rates are very good. We haven't had to visit the CU for 15 years since we retired. They are and will remain our financial institution.

Florida and Maine

true

New car loan

4

Wanted to get pre-approved -- for a new car loan. Talked to 2 people and found out what they needed --. sent in the infomation required. Never left the house. Now I can go to the car dealership and see what cars they have.

Massachusetts

true

Traditional IRA

5

Love the courteous, professional service. I have an ally in Ayanna! I'm using my Thrive account to fund next year's contribution.

JP VA Hospital

true

IRA support

5

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

Trabuco Canyon, CA

true

Knowledgable and fast

5

Couldn't ask more from the friendly and curious bank staff for my banking business.

McLean, VA

true

Very Helpful

5

Lisa was great. She helped me open and IRA account in a snap.

Medford

true

Great customer service

5

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 .

Quincy MA

true

Traditional and Roth IRAs

5

The IRA department is very good and very helpful. Especially Lisa. Thank You.

Frisco TX

true

Consistently great service

5

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.

Frisco Tx

true

Traditional and Roth IRAs

4.6 12

100.0

Free Investment Consultation
Open an Account
Free Investment Consultation
Open an Account