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 08-17-2018
	Dividend Rate	APY¹	Alert Me
Share Savings (min. balance $25)	0.30%	0.30%	Receive a notification when this rate changes

Kasasa Saver® (min. balance $1)	Must be linked to Kasasa Cash or Kasasa Cash Back®		Alert Me
$50,000.01 and over	0.30%	0.30%	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

Holiday & Vacation Club (min. balance $1)	0.30%	0.30%	Receive a notification when this rate changes

Secondary Shares (min. balance $1)	0.30%	0.30%	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.↵

Higher Yield Savings

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

Table data for Higher Yield Savings
Rates effective 08-17-2018
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 08-17-2018
Dividend Rate	APY¹	Alert Me
2.96%	3.00%

I want to get started. Call me.

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 08-17-2018
	Dividend Rate	APY¹
Balance less than $2,000.00	0.00%	0.00%

$2,000.00 - $9,999.99	0.50%	0.50%

$10,000.00 - $24,999.99	0.70%	0.70%

$25,000.00 - $49,999.99	0.80%	0.80%

$50,000.00 - $74,999.99	0.90%	0.90%

$75,000.00 - and over	1.00%	1.00%

Open a Money Market Online

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 08-17-2018
	Dividend Rate	APY¹	Alert Me
EasyStart (min. balance $250)	0.85%	0.85%	Receive a notification when this rate changes

3 to 5 Month	0.85%	0.85%	Receive a notification when this rate changes

6 to 11 Month	0.95%	0.95%	Receive a notification when this rate changes

11 Month (available with Premier Checking)	1.49%	1.50%	Receive a notification when this rate changes

12 to 17 Month	1.24%	1.25%	Receive a notification when this rate changes

18 to 29 Month	1.89%	1.90%	Receive a notification when this rate changes

30-59 Month	1.98%	2.00%	Receive a notification when this rate changes

48 Month (available with Premier Checking)	2.72%	2.75%	Receive a notification when this rate changes

60 Month	2.23%	2.25%	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

Best Advice

5

I have had credit trouble and they gave me great advice and improvement and since my own being and they're help i am up 123 points since May!

Kristina

Plymouth ma

2018-08-10

New Customer

5

I recently switched over to HFCU for all my banking needs and it has been awesome so far. I have a great rate on my savings and the checking is great I get my direct deposits days early!

JC_Hammer22

Revere

2018-08-09

Extraordinary Customer Service

5

Could not have been easier. I was walked through every step of the way with friendly, knowledgeable care.

Tracy G

Medway Ma

2018-06-13

Allison and Helder Rock!

5

Both made the process smooth and pleasurable. Their prompt responses, honesty, knowledge, and commitment to detail reminded me how customer service is supposed to be (I had forgotten). I have never had a more pleasant experience with a lender!

Gary

Narragansett

2018-06-11

Fast and easy

5

Fast and eay

HH

Framingham, MA

2018-06-10

great

5

They were great and very accommodating

No

Littleton

2018-06-08

very attentive customer service

5

The rates were great, the staff pre emptively reached out, should I need assistance with my loan paperwork

JHB

Hopkinton ma

2018-06-08

Happy I join HFCU

5

Helpful and professional is the only way to describe my interaction with the staff.

Jack

Boston, MA

2018-06-07

Great Service

5

Tara was an absolute pleasure to work with. This is the first time I went to a bank and was treated with care. She listened to my story and tailor fit a program for me. I am a customer for life and have been recruiting heavily to bring my family over. This is not just a bank that crunches number and algorithms, they are people that care and want to see you succeed in life.

Toya

Dracut, Mass

2018-06-05

Extremely user friendly

5

Never have issues with HFC.

sgtcad

Littleton, MA

2018-06-04

Savings

4.4 239

87.6

CU Thrive

Fast set up

5

Easy to set up and glad to finally get it going! Customer service was top notch!

Ty

Sterling VA

2018-06-12

Outstanding interest rate!

5

CU Thrive hits all the marks.

Marilyn

Brighton, MA

2018-04-05

Great Service. Knowledge customer rep.

5

Excellent service. Knowledgeable customer representatice.

Rich

Bkston.ma

2018-03-11

CU Thrive

5

Great Credit Union. Very helpful staff

Peanut

Belchertown, Ma

2018-03-09

Great customer service!

5

Opened up a new account for our baby girl and it was so easy and fast. Customer service was very friendly and helpful!

Sarah

Hanscom

2018-03-04

Highest rate I could find for my financial abilities!

5

It was extremely hard to do "online" had to go onsite, hard---have a new hip and a service animal.(reason for 3 stars!) Staff-Bankers were very Polite, Professional, Personable and apologetic though about my online difficulty. That was well worth the experience...

"Sarge"

Chelmsford MA

2018-02-21

Great service and friendly staff!

5

Had a great experience opening a CU thrive account----- quick and easy !

Pat

Billerica Ma

2017-12-17

Fills all my banking needs

5

The special saving rate is a great bonus. I can do all of my banking on line too. Website easy to navigate.

Beatriceboston

Merrimack Valley

2017-12-15

Would like the same rate for my 5 year IRA CD

3

Would prefer higher rates for my 5 year IRA certificates. My daughter in the Department of Justice Credit Union gets higher rates for her IRA.

Old Jim

MA

2017-09-25

CU Thrive

5

Great way to give back to the HFCU customers and to also encourage savings with a higher rate.

Nuala

Chelmsford Masschusetts

2017-09-03

CU Thrive Reviews

4.8 36

100.0

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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

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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

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CU Thrive

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