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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 05-30-2020
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.10% 0.10% 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 0.10% 0.10% Receive a notification when this rate changes
$0.01 to $50,000.00 1.00% 1.00% 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) 0.10% 0.10% Receive a notification when this rate changes
Dividend Rate APY Alert Me
Secondary Shares (min. balance $1) 0.10% 0.10%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 05-30-2020
Dividend Rate APY1 Alert Me
0.50% 0.50% 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 05-30-2020
Dividend Rate APY1 Alert Me
1.98% 2.00% 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 05-30-2020
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 0.10% 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
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 05-30-2020
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 0.40% 0.40% Receive a notification when this rate changes
3 to 5 Month 0.40% 0.40% Receive a notification when this rate changes
6 to 11 Month 0.50% 0.50% Receive a notification when this rate changes
12 to 17 Month 0.75% 0.75% Receive a notification when this rate changes
18 to 29 Month 0.90% 0.90% Receive a notification when this rate changes
19 Month Special 0.90% 0.90% Receive a notification when this rate changes
30-59 Month 1.24% 1.25% Receive a notification when this rate changes
48 Month 1.24% 1.25% Receive a notification when this rate changes
60 Month 1.29% 1.30% 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 Value Great Service above all other credit unions!

5

Great Value Great Service above all other credit unions I have ever been involved as a member.

Beverly, MA

true

Great Service

5

Despite covid complications the staff put together my HELOC faster than initially promised, with efficiency and excellent communication such that I was completrly confident in their efforts throughout the whole process.

Ayer, MA

true

Excellent service!

5

Excellent customer service

Medway, MA

true

I had a great experience with the loan process

5

I would recommend Hanscom Federal Credit Union to my friends

Tewksbury Ma

true

Smooth Heloc - Great Rates / Terms / Service

5

Very happy with the process so far.

Westwood

true

I love HFCU,

5

Best place for anyone to put their money, great rates, no fees, good interest

Lowell, Ma

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Great experience Austin was exceptional with my ignorance!

5

Austin in Burlington, MA had to deal with my total Ignorance and help me understand all my options. Due to where I live it was not convenient to drive to Burlington, but overall dealing with Austin eliminated much confusion.

Onset, MA

true

Great Experience

5

Great Experience from beginning to end. Smoothest process ever.

Asheville NC

true

Used Car Loan Refinance

5

A big thank you to Judy H. at Hanscom. My refinance was quick, easy and the rate was terrific! Hanscom does the application viacemail with e-sign and the entire process took literally 10 minutes and I had a new car loan with a much lower rate than my last loan. The next time I purchase a car I will be going back to Hanscom for that loan.

Salem MA

true

Great

5

Goood

NH

true

Savings

4.5 425

90.4

CU Thrive

Love this credit union

5

This is my second time having a CU thrive accouint. HFCU is simple and easy to use with great rates.

Boston, MA

true

Good product

5

Always receive wonderful service and lots of diverse products to choose from. Great customer service response. Immediate and friendly!! I and my family have been members for 60+ years

South Easton, Ma

true

Pleasant

5

None

Natick, MA

true

Excellent accross the board 100%

5

Expert help

Boston Mass

true

Credit Unions are easy banking

5

Great people providing outstanding service!

Reading, MA

true

Fast and easy,

5

Used Hanscom exchange

Nashua, N.H.

true

It was great from start to finish.

4

I enjoyed the service provided from the representative to the supervisor and the time spent to ensure that all my requests were met. Thank you.

Boston, MA

true

SUPER CREDIT UNION

5

I wish I knew the young Woman who helped me with my account, by the she helped me set up a savings account as well. Away I do most of my banking on line. My only income is my Social Security. My first experience with a Credit Union 1968. Years later I was in a Credit Union at the Philadelphia Naval Base. I love HFCU, it is free, the Staff is always polite and helpful, if they don't have an answer that they know they will surely find someone who can. My only drawback is the distance is 18 miles away. Thank you HFCU

Framingham, MA

true

a little more time consuming than necessary

3

The experience was too time consuming. The instructions on my matured cd indicated that I could open a thrive account over the phone. It took three phone calls and finally a visit to your Dorchester office to open it. I am very happy with the rate you offer but it should not have taken so many steps to get it. Your Dorchester office personnel are very pleasant but the office is understaffed. There were many people in line also stating that more staff is needed there. The people on the phones were very pleasant but had limited access to helping me.

Massachusetts

true

Nice encounter!!

5

Very pleasant experience. Thank you!1

peabody MA

true

CU Thrive Reviews

4.8 118

99.0