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Savings

When you start saving now, you open a world of financial and life possibilities.

We have the savings account options that will help you follow your dreams. Earn dividends while keeping your money available for planned and unexpected withdrawals. And you can count on your savings being safe and insured.

Savings Options

Primary Savings

Your ticket to a world of benefits. Earn a competitive rate, sleep soundly with the security of federal insurance.

  • Just $25 brings you a world of credit union benefits and establishes your membership in Hanscom FCU. And there’s no monthly fee.
  • Earn a competitive dividend, which is compounded daily and credited monthly.
  • Take advantage of free online and mobile access.
  • Enjoy an early payday with Payday Perqs. You could get paid up to two days earlier with direct deposit.

Open an Account

Higher Yield Savings

Make your money work harder without losing liquidity. One free withdrawal per month.

  • Earn great dividends on balances of $25,000 or more.
  • One withdrawal per month with no penalties or fees.
  • Unlimited deposits to the account in-branch, by telephone, or via Online Access.

Open an Account

Secondary Savings

Perfect for saving for that something special!

  • The easy, effortless way to save for special purposes.
  • Start with as little as $1, then set aside funds regularly for a specific goal.

Open an Account

Club Accounts

A Club Account is an easy way to save for upcoming expenses like holidays and vacations.

  • Holiday Club and Vacation Club.
  • The easy, effortless way to save for special purposes.
  • Start with as little as $1, then set aside funds regularly for a specific goal.

Open an Account

Budget and manage your finances in one place

  • See all your balances and transactions together in one place, automatically.
  • Tag and categorize individual transactions such as dining out, groceries, travel, etc.
  • Visualize your spending patterns via the tool’s easy-to-read charts and graphs.

To get started, enroll by clicking on My Money Manager under the Services menu inside Online Access.

Certificates of Deposit

  • EasyStart and traditional certificate options.
  • Make unlimited additional EasyStart deposits of $10 or more.
  • Start with as little as $1,000; choose your term from 3–60 months.
  • Dividends compounded and posted monthly.

Check certificate rates

Money Market Account

  • Solid returns with liquid access when you deposit at least $2,000.
  • Earn higher dividends, compounded daily and credited monthly, as your balance grows.
  • Free box of checks.
  • No monthly fees.

Check Money Market Account rates

Savings & Certificate Rates

Savings

Your ticket to a world of benefits. Earn a competitive rate, sleep soundly with the security of federal insurance.

Table data for Savings
 Rates effective 01-24-2020
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.25% 0.25% Receive a notification when this rate changes
Kasasa SaverĀ®
(min. balance $1)
Must be linked to Kasasa Cash or Kasasa Cash BackĀ® APY2 Alert Me
$50,000.01 and over 0.25% 0.25% 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
Dividend Rate APY Alert Me
Holiday & Vacation Club (min. balance $1) 0.25% 0.25% Receive a notification when this rate changes
Dividend Rate APY Alert Me
Secondary Shares (min. balance $1) 0.25% 0.25%2 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.
  • 2APY = Annual Percentage Yield.

Higher Yield Savings

Make your money work harder without losing liquidity. One free withdrawal per month.

Table data for Higher Yield Savings
 Rates effective 01-24-2020
Dividend Rate APY1 Alert Me
1.24% 1.25% 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.

CU Thrive

Start with as little as $5 or as much as $500 per month automatically transferred from checking. Build savings with an outstanding rate. Set it and forget it!

Table data for CU Thrive
 Rates effective 01-24-2020
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.

Money Market

Tiered money market rates allow you to earn more. Earn dividends on savings without a long-term commitment.

Table data for Money Market/Business Investment Account
 Rates effective 01-24-2020
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 0.40% 0.40% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.60% 0.60% Receive a notification when this rate changes
$25,000.00 - $49,999.99 0.70% 0.70% Receive a notification when this rate changes
$50,000.00 - $74,999.99 0.80% 0.80% Receive a notification when this rate changes
$75,000.00 - and over 0.90% 0.90% Receive a notification when this rate changes
Open a Money Market Online Receive a notification when this rate changes
  • 1APY = Annual Percentage Yield. The minimum to open this account is $2,000. 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.

Certificates of Deposit

Traditional

Increase your returns with no risk. The best rates around and no fees.

EasyStart

Get into the savings game with just $250. Add to your account whenever you want.

Table data for Certificates
 Rates effective 01-24-2020
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 1.44% 1.45% Receive a notification when this rate changes
3 to 5 Month 1.44% 1.45% Receive a notification when this rate changes
6 to 11 Month 1.64% 1.65% 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 1.79% 1.80% Receive a notification when this rate changes
19 Month Special 1.98% 2.00% Receive a notification when this rate changes
30-59 Month 2.13% 2.15% Receive a notification when this rate changes
48 Month 2.32% 2.35% Receive a notification when this rate changes
60 Month 2.37% 2.40% 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.

Real Reviews from Real Hanscom FCU Members

Primary Savings

Read Reviews

CU Thrive

Read Reviews

Primary Savings

Great

5

Judy H. was great to work with.

Utah

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Abian is Wonderful

5

We love working with Hanscom and Abian. She is patient and kind.

Littleton, CO

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Customer Service

4

Someone is always available to help and answer questions. Especially Cynthia at the North Billerica Branch.

Lowell, MA

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Excellent service

5

Lauren was very helpful and able to fulfill our request almost immediately.

Leominster, MA

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So far, so good!

5

We found HFCU through MassSave and we opened an interest-free loan and savings account. It was pretty easy and everyone has been helpful and nice.

Arlington, Mass

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It is the best deal in the banking world!

4

Great concept & service. As good if not better than any big bank. I do all of my banking (savings, checking, credit cards, bill paying, home mortgage, car loans...) through Hansom. Very accessible. When needed, the staff are very helpful by phone, on line & in person @ local branches. And what's best is the value & savings goes to us the shareholders! A great deal.

Brookline Ma

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Great service

5

Great staff very helpful , easy to work with and super polite

Webster ma

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Fast and Easy

5

All transactions went smoothly thanks to Matthew.

Waltham, MA.

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Outstanding customer service by Customer Support staff

5

Discussed a complex account problem I was experiencing with Customer Service rep Susan. I took a couple of days and several phone calls to get the problem resolved, but she stayed with me and was eventually able to resolve the problem. She displayed excellent customer service!

Cape Cod, MA.

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Fast & Easy

5

I used Hanscom for the Massave Heat Loan process. They were fast, quick and professional. Entire process from application to approval to receiving check was less than a week!

Holden, MA

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Savings

4.5 396

90.0

CU Thrive

Awesome customer service!

5

So easy to join, great value, and Lauren, my customer service rep was simply awesome!

Enola, PA

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Wonderful experience....every time!!

5

I have been a member of HFCU for some time. Everyone goes out of their way to take care of what you need. I have refinanced my mortgage, a representative came to my house to execute the paperwork to get a lower rate!! The service team when you call in are phenomenal as well!! Thank you HFCU

Chelmsford ma

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CU Thrive. Great way to have money make money.

5

Online enrollment didn't get the account started. It only entered information to facilitate a call-back by a HFCU Rep who got the account started. Easily done, but members should be able to complete the whole process online.

Bedford MA

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Great saving Product!! Fast and easy to open.

5

Lauren from the Bedford branch opened up the CU Thrive for me and she was Spectacular!!! She was so nice and awesome and I would deffinently go back to Lauren to open more accounts because she was so efficient with the process. Thank you Lauren for all your help.

Bedford

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Great rate

4

Great rate. Easy to open

CT

I been with Hanscom for 40 years and I am really pleased.

5

Boston HFCU is the best location that I have worked with. All staff are very polite and always greet you with a smile.

Boston, MA

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Best Savings Opportunity

5

CU Thrieve is a great way to save a substantial amount of money over a year and get great growth with the higher interest rate. Love it.

Tupelo, MS

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great value, fast and easy

5

Diane is excellent.

new york

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perfect choice of service

5

Helped me with the selection of services. Perfect solution

Danvers, MA

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Better than the commercial banks!

5

I've been a member for many years and plan to stay with this.

Maryland

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CU Thrive Reviews

4.8 107

98.9