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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.

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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

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Payday Perqs

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 12-12-2018
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® 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 12-12-2018
Dividend Rate APY1 Alert Me
1.74% 1.75% 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 12-12-2018
Dividend Rate APY1 Alert Me
4.89% 5.00% Receive a notification when this rate changes
I want to get started. Call me. 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 12-12-2018
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 12-12-2018
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 1.49% 1.50% 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 2.23% 2.25% 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

Extended family

5

Hanscom has been a part of our extended family for over 55 years. The first family member had an account with three numbers. Hanscom and our family have grown together all these years. We are now four generations of members with who knows how many more will come. Hanscom has been a steady reliable part of our lives. Whether it is savings,car loans, mortgages, Hanscom has been there to guide us the right way. As always the staff at either Burlington, Bedford and Billerica are always friendly and helpful to use. Even the behind the scenes offices are reliable and accurate with our transactions when necessary.

Burlington Massachusetts

true

Wonderful experience !

5

Opening a checking and savings account was fast and easy ! Rhonda readily answered all my questions and concerns .

Leominster, Ma.

true

Fast, easy, convenient, great value.

5

Fast, easy, convenient, great value. Very professional and courteous group at my local branch. A pleasure to deal with.

Boston, MA

true

Not yet sure.

1

I am not sure yet about Hanscom. They are not good at answering questions on the phone and the specialists do not call you back.As far as ratings, I called to find out about terms and nobody could answer my questions. Ask for my review again after I can find someone to answer my questions.

Kingston NH

false

THANK you having a bit of a haul with unexpected expenses el

5

Thankyou for your patience with this old bag of bones. Unexpected increased expenses have caused too much modification to my financial decisions, but I am hanging on and will i hope find safe harbor on a wing and a prayer!

id coast Maine

true

Awesome

5

Everyone was nice and helpful

Brockton ma

true

Easy fast and great auto rate to refinance

5

Very easy fast and the application person and loan officer Sara K. Were great!

Lakeville, MA

true

Great service, very helpful

5

Alberto is the best guy in the business! He was very cooperative, did everything he could to get my loan refinanced and dropped my interest rate. Best guy to deal with hands down. I would recommend him to anyone!

Wilmington Mass

true

Exemplary!!!

5

In over fifty years of dealing with financial institutions, HFCU is wholly unique in my experience. Dealing with Matt, the Assistant Branch Manager at the Bedford Branch, has been a wonderful experience each and every time we've dealt with Hanscom whether it be over the phone or in person. Matt pays attention to the details and our concerns and applies due diligence to such without exception! Couldn't be more favorably impressed!

Boston MA

true

Great Experience!

5

Great people to do business with.Allison K. is a rock star. Started out just wanting a Mass Save Heat Loan. Allison was so patient, kind and informative. She responded to all my e-mails and phone calls. She made me and my wife feel real comfortable with the process. Allison informed us of other loan products and we applied and received a Home Equity Line of Credit from Hanscom. This credit union is awesome to do business with. I just wish they were closer to home. I highly recommend them to anyone who wants great products and service.!!!

Dalton, MA.

true

Savings

4.4 281

88.4

CU Thrive

Excellent Service

5

Billerica location; Ms. Patty T.- answered all our questions and concerns. She was very professional and accommodating in supporting our needs. Thanks!!

Billerica

true

Fast set up

5

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

Sterling VA

true

Outstanding interest rate!

5

CU Thrive hits all the marks.

Brighton, MA

true

Great Service. Knowledge customer rep.

5

Excellent service. Knowledgeable customer representatice.

Bkston.ma

true

CU Thrive

5

Great Credit Union. Very helpful staff

Belchertown, Ma

true

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!

Hanscom

true

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...

Chelmsford MA

true

Great service and friendly staff!

5

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

Billerica Ma

true

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.

Merrimack Valley

true

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.

MA

true

CU Thrive Reviews

4.8 37

100.0

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