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

More Information & Extras

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 12-09-2019
	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®	APY²	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

	Dividend Rate	APY	Alert Me
Holiday & Vacation Club (min. balance $1)	0.40%	0.40%	Receive a notification when this rate changes

	Dividend Rate	APY	Alert Me
Secondary Shares (min. balance $1)	0.40%	0.40%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 12-09-2019
Dividend Rate	APY¹	Alert Me
1.49%	1.50%	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 12-09-2019
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.↵

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 12-09-2019
	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

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 12-09-2019
	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

excellent service

5

Happy with hanscom federal credit services

JACK

Quincy MA.

2019-11-30

Very easy online experience

5

Very easy online experience to secure a MassSave loan.

Andrea

Marlborough MA

2019-11-27

Great people - love you guys!

5

Wonderful staff

Not Sure

Framingham MA

2019-11-22

Ver easy to apply

5

It was so easy to apply and there is an almost immediate confirmation of acceptance.

Rara

Boston, MA

2019-11-19

Amazing service all around!

5

I opened a savings and got a HEAT loan from Hanscom. They made it SO EASY! I'm tempted to move the rest of my financial operations over. We'll see....

Kaelasage

Maynard, MA

2019-11-18

Off the charts excellence!

5

I have been working with Ciara and she has been incredible efficient. I helped my daughter with a car loan and subsequently refinanced my other car because she was so good. I highly recommend Hanscom and especially Ciara.

3DSAILOR

Narragansett, RI

2019-11-14

Overall a great experience to do a refi!

5

Great service!

Chris

Lexington, MA

2019-11-11

Hidden gem

5

I really liked the terms and openness of HFCU

Len

Boston

2019-11-10

Awesome

5

McCormack branch is great super friendly and fast

L

Boston

2019-11-09

Easy to join!

3

Once I got over some technical hurdles it was relatively easy to complete the application process. We were able to apply for a mass saves loan and were approved the same day. It was a little wierd to open a joint account the recieve checks I had not ordered without both my wife and I printed on them.

Pk

Mass

2019-11-08

Savings

4.5 382

89.6

CU Thrive

great value, fast and easy

5

Diane is excellent.

i

new york

2019-11-19

perfect choice of service

5

Helped me with the selection of services. Perfect solution

Ball Room Dancer

Danvers, MA

2019-11-14

Better than the commercial banks!

5

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

acorn whistleblower

Maryland

2019-11-02

Great Credit Union

5

Very good experience

Jean

Port Richey

2019-10-29

A Great Way to Save Money

5

Glad we stopped by the Bedford Branch. It was very easy to set up a Thrive account and got great advice for getting the most interest on our accounts. HFCU is the best value!

Patrice

Reading, MA

2019-10-21

Wonderful customer service

5

I stopped by the South Bay Mall branch in Dorchester to open a CU Thrive automatic savings account. The customer service person was very helpful. I'm glad I took the time to visit the branch in person, instead of doing it over the phone.

LucieBG

South Boston, MA

2019-10-16

Staff was so helpful

5

Friendly, helpful staff

Sue

Virginia

2019-09-22

Yay CU Thrive!

5

Having a product available to me that will help put me on track for what is needed, at one of the best rates known, makes me ecstatic.

Sokol01

MA

2019-09-17

Great place to do business

5

Thrive is paying great interests these days Open one while the great rate is available. Easy to do and great people to work with.

Bob

Sc

2019-09-16

Excellent service and great support

5

Very satisfied

Alex

Mountain House, CA

2019-09-08

CU Thrive Reviews

4.8 100

98.8

Free guide

CU Thrive: Saving is Easy

Mobile Deposits

Savings

Savings Options

Primary Savings

Higher Yield Savings

Secondary Savings

Club Accounts

Budget and manage your finances in one place

Certificates of Deposit

Money Market Account

More Information & Extras

Access

Learn More

Direct Deposit

Savings & Certificate Rates

Savings

Higher Yield Savings

CU Thrive

Money Market

Certificates of Deposit

Traditional

EasyStart

Real Reviews from Real Hanscom FCU Members

Primary Savings

CU Thrive

Primary Savings

CU Thrive