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 02-20-2019
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.40% 0.40% Receive a notification when this rate changes
Kasasa SaverĀ®
(min. balance $1)
Must be linked to Kasasa Cash or Kasasa Cash BackĀ® 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
Holiday & Vacation Club (min. balance $1) 0.40% 0.40% Receive a notification when this rate changes
Secondary Shares (min. balance $1) 0.40% 0.40% 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 02-20-2019
Dividend Rate APY1 Alert Me
1.98% 2.00% 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 02-20-2019
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 02-20-2019
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 02-20-2019
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 1.09% 1.10% Receive a notification when this rate changes
3 to 5 Month 1.09% 1.10% Receive a notification when this rate changes
6 to 11 Month 1.19% 1.20% Receive a notification when this rate changes
12 to 17 Month 1.98% 2.00% Receive a notification when this rate changes
18 to 29 Month 2.13% 2.15% Receive a notification when this rate changes
19 Month Special 2.96% 3.00% Receive a notification when this rate changes
30-59 Month 2.47% 2.50% Receive a notification when this rate changes
48 Month 3.06% 3.10% Receive a notification when this rate changes
60 Month 2.96% 3.00% 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

5

Nothing to complain about!

Ma

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Amazing rates!

5

Love the 12 month CD with the 5 percent return!

VA

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Top notch

5

Excellent service - staff attitude - great banking products

Bedford MA

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Great Bank

5

Having become a member recently, I had been looking for a bank that was local. I found one with courteous people great rates and excellent benefits.

MA

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Not sure I like it

2

The app compared to other banking apps is severely delinquent. I tried to find rates on auto loans and it directed me to starting an application. There is no ability to see your accounts easily. You have to find links and work your way through it

Springfield ma

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Great Service! Fast! Friendly!

5

I received assistance with applying for a heat loan through HFCU. The person assisting me was professional, friendly, and made the process of applying very simple and convenient. The turnaround time for approval was very fast. Thank you HFCU!

Hanscom AFB, MA

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Great experience

5

My experience with Rhonda was excellent, she was informative and a pleasure to work with.

Andover MA

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Excellent Start to Finish

5

My wife and I had a great experience start to finish. Anna was a pleasure to work with. She answered all our questions and was in constant communication. I'd highly recommend this bank!

01876

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Fast great service

5

I think Jake went above and beyond to make my initial setup easy for me He was very patient Olga is very professional and explained all very well Sara was gracious and understood my questions Rhonda was great and helped me get to finish line. All in all a excellent experience

MA

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Challenging and time consuming

3

It was difficult to accomplish opening a new account and moving money. The online tools were very cumbersome ormcould not be used. We (husband and I) could not get account opened online since the co-applicant lead to a dead end by asking for login of co-applicant when already logged in. Having to send pictures from drivers license multiple times, for husband's certificate account when set up, for kim's New account when set up, and formkim's high yield was very cumbersome. Couldn't send online once sonhad to seti unto secure emails. Didn't know there were secure emails sonhad to get that all set up as well. When we asked for kim's High yield to be set up, we were told couldn't do over the phone, had to be set up online which again was pain trying to do co-applicant and had to switch from picture of license approach to typing in info. So please run some cars through the online system and capture improvements. Also had problems linking accounts across people. Tried to link Spurgeon Norman account with Kim norman's. An old vehicle loan account showed up. Was finally able to link kim's Primary account but. It high yield. Gave up and figured if we transferred we'd go from spurgeon's high yield to kim's Primary and then go to kim's Account and transfer between her primary and high yield. Online tool kept giving error that link could not be set up. We had to do all of this since when we checked on account insurance for ncua we were told that 250k ornso over all accounts under one person. Was the max and that the 350k or so we had in the accounts would have to be split to a different account in order to be insured and thus we had to set up an account for Kim as well as Spurgeon Norman's long term account. So what should have taken a few hours perhaps to accomplish took a numbers of hours and phone calls over multiple days. Everyone who helped or try to help over the phones were very good and understanding. Challenge is the difficencies or problems online.

Bella vista arkansas

Savings

4.4 299

88.4

CU Thrive

Hanscom makes saving easy

5

Hanscom makes saving easy. I especially like how easy it is to move funds between accounts

Chicago, illinois

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You Guys Are Great!

5

You folks are so knowledgeable and so helpful. There has never been a time when I have called for help that your customer service hasn't been terrific, respectful and willing to do whatever necessary to satisfy my concerns.

Hamlin, KY

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#1 Service Organization

5

I've been with Hanscom AFB Credit Union from the 1980's and have always been happy with the service. Personal service is the feeling I get when dealing with HAFB CU.The rates are always better than the local banks. I financed my auto with Hanscom AFB CU because the rates were a couple % points lower than the other financial institutions offering financing. Credit Unions are the best hands down.

Leesburg, Florida,

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Excellent account

5

I love working with HFCU. They do a great job making banking easy and convienent

Boston, MA

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Easy, and super rate. Wish could do more than $500 monthly

5

Love Hanscom Federal Credit Union. There for their customers

Boston

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Trustworthy and reliable.

5

Hanscom Federal Credit Union is the best for the money. It is trustworthy and reliable.

Boston MA

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A step ahead

5

So easy and just better than what's available elsewhere. Easy choice.

Northeast US

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Easy to set up and good value

5

This could not have been made any easier for me. It was all done by a great HCU employee on line and I just stopped in at my convenience to identify that I wanted to set up a thrive account. Done

Topsfield, MA

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Customer care

3

I've been a member here for 3 months . I find that certain offices are better organized for helping new members than others. You should certainly have a more specific account of the services offered to new members . There's a certain amount of time needed to train more account service personal . So far I've run into a problem with loans . Not all facets of the process where explained to help with the choices of the application . I had a very rude and disappointing loan officer that wouldn't take the correct time to help with the process . I find that disturbing that a member can be misjudged by his credit background . I sincerely hope that you have a better way to help better this part of the Credit Union . My rough treatment was uncalled for when I had no ideas on the services offered would be beneficial if given a chance for my explanation of circumstances. Please educate your departments on better customer service and personal behavior towards members .

Boston

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Unsurpassed Personal Banking

5

Personal banking at its very best!

Boston, MA

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CU Thrive Reviews

4.8 53

97.6