Saving Account Options | Higher Yield Savings | Money Market

Savings

Overview

Minimum Balance

Annual Percentage Yield

Monthly Fee

Overview

Minimum Balance

Dividends

Monthly Fee

Primary Savings

Open

Your ticket to a world of benefits. Earn a competitive rate, sleep soundly with the security of federal insurance.

$25

0.25%

None

Overview

Minimum Balance

Dividends

Monthly Fee

Higher Yield Savings

Open

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

$25,000

1.00%

None

Overview

Minimum Balance

Dividends

Monthly Fee

CU Thrive

Get Started

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!

3.00%

Fees may apply

Overview

Minimum Balance

Dividends

Monthly Fee

Money Market

Open

Tiered money market rates allow you to earn more. Earn dividends on savings without a long-term commitment.

$2,000

0.80%

None

Savings

Savings Account

Just $25 brings you a world of credit union benefits and establishes your membership in Hanscom FCU.
Earn a competitive dividend, which is compounded daily and credited monthly.
Enjoy an early payday with Payday Perqs. You could get paid up to two days earlier with direct deposit.

Secondary Shares

The easy, effortless way to save for special purposes.
Start with as little as $1, then set aside funds regularly for a specific goal.


	Primary Savings	Higher Yield	CU Thrive (Automate)	Money Market	Club Accounts	Alert Me
Minimum balance to open	$25	$1.00	$0	$1.00	$1.00

Minimum balance to earn dividends	$25	$25,000	$0	$2,000	NONE

Monthly fees	NONE	NONE	NONE	NONE	NONE

FREE Online/Mobile Access

Federally Insured

CU Thrive

We'll reward your efforts with a terrific rate, which you'll earn for one year on your CU Thrive account.
You can begin with as little as $5 or as much as $500 per month, which will automatically transfer from your Hanscom FCU checking account to your CU Thrive account.
View the CU Thrive Disclosure (PDF).

Who can open a CU Thrive account?

Any member with a Hanscom FCU checking account can open a CU Thrive account.
How do I deposit into my CU Thrive account?

All deposits are made automatically from your Hanscom FCU checking account. You may not deposit cash or checks, transfer funds online, by phone, or at a branch, or transfer from another member's checking or a checking account you own at another financial institution.
Is there a minimum balance to open a CU Thrive account?

The account is opened with a $0 balance. You must transfer at least $5 per month to the account, beginning in the first month (30 calendar days).
How much can I transfer per month?

You may transfer any amount between $5 and $500 per month.
How often can I transfer funds?

You can transfer once per month, twice per month (on the 1st and 15th) once every two weeks, or every week.
How do I transfer funds to CU Thrive?

When you open the account, you will choose how much you wish to transfer and the frequency. Transfers are made automatically from your Hanscom FCU checking account. You may not transfer funds online, or transfer from another member's checking or a checking account you own at another financial institution.
Can I change my CU Thrive transfer?

You may change or stop your transfer at any time during the term. To change the amount or frequency of your CU Thrive transfer, contact us by secure email, telephone, or in writing. If you stop transfers, your account balance will continue to earn dividends until the account matures.
Can I close my CU Thrive account?

Closing your CU Thrive account before the anniversary date will result in a penalty of 90 days dividend on the amount withdrawn. Penalties may reduce the investment below the principal held at the beginning of the term.
Can I roll funds to a new CU Thrive account on my anniversary date?

You may not roll over funds from your previous CU Thrive account.
Are there any fees on a CU Thrive account?

No. There are no fees to open or maintain a CU Thrive account.
How do I keep track of my CU Thrive account?

Your account will be displayed in your statement and Online Account Access. Related transfers will be posted in the appropriate account. We will mail you a renewal notice prior to your CU Thrive account's anniversary date.
Can I open multiple CU Thrive accounts?

No. There can only be one CU Thrive account open per membership. You may open a new account on your anniversary date by contacting us when you receive your anniversary notice.

Rates

Savings Rates effective 08-20-2017
	Dividend Rate	APY¹	Alert Me
Share Savings (min. balance $25)	0.25%	0.25%

Holiday & Vacation Club (min. balance $1)	0.25%	0.25%

Secondary Shares (min. balance $1)	0.25%	0.25%

Open a Savings Account Online

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 Rates effective 08-20-2017
Dividend Rate	APY¹	Alert Me
1.00%	1.00%

Open a High Yield Savings Online

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 Rates effective 08-20-2017
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/Business Investment Account Rates effective 08-20-2017
	Dividend Rate	APY¹	Alert Me
Balance less than $2,000.00	0.00%	0.00%

$2,000.00 - $9,999.99	0.40%	0.40%

$10,000.00 - $24,999.99	0.55%	0.55%

$25,000.00 - $49,999.99	0.65%	0.65%

$50,000.00 - $74,999.99	0.70%	0.70%

$75,000.00 - and over	0.80%	0.80%

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.

Reviews

Savings Reviews

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CU Thrive Reviews

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REVIEW SNAPSHOT®

by PowerReviews

HFCUSavings

4.3

(based on 125 reviews)

86%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses

- Convenience:
- Ease of opening/use:
- Value:
- Rate and Terms:

Reviewed by 125 customers

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8/11/2017

5.0

Very pleasant

By Mina

from Lexington, MA

Comments about HFCU Savings:

I have only been to Hanscom twice and called once. Every representative I spoke to is patient, helpful and knowledgeable!

Convenience:
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8/5/2017

5.0

Fast and easy

By Cindy

from weare, nh

Comments about HFCU Savings:

Signing up was easy through the car dealer where I bought my Toyota. Toyota/Volvo of Keene, New Hampshire.

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8/5/2017

3.0

took entirely too long

By none

from Framingham MA

Comments about HFCU Savings:

Some of the questions like What did you take a loan out for in 1967? Do you remember what you took a loan out for 50 years ago

8/4/2017

3.0

Great rates but Bill paying not easy for customers.

By Christian

from Virginia Beach, VA

Comments about HFCU Savings:

Bill paying through you guys shouldn't be as hard as it is.

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7/31/2017

5.0

Great service

By Satisfied Customer

from Devens, MA

Comments about HFCU Savings:

Hanscom FCU Devens is always friendly, helpful and has great customer service

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7/24/2017

5.0

Great Personal Branch Service

By RTSJR

from Burlington, Ma

Comments about HFCU Savings:

Professional service by branch personnel in dealing with a home equity loan, savings, and car loans.

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7/21/2017

5.0

Heloc Loan

By Judyh

from Bedford ma

Comments about HFCU Savings:

Great experience. The loan officer Melissa was great to work with.

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7/20/2017

5.0

great value

By nc

from lynnfield, ma

Comments about HFCU Savings:

great value

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7/18/2017

5.0

No Hassle

By None

from Burlington, MA

Comments about HFCU Savings:

Pleasant experience, helpful, informative and saved us money. We learned that we could transfer to other credit unions easily.

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7/18/2017

5.0

Good rate for used vehicle

By Duramax

from Hopkinton, ma

Comments about HFCU Savings:

Good rate for used vehicled

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REVIEW SNAPSHOT®

by PowerReviews

HFCUCU Thrive Reviews

4.8

(based on 26 reviews)

100%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses

- Convenience:
- Ease of opening/use:
- Value:
- Rate and Terms:

Reviewed by 26 customers

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7/27/2017

5.0

Great savings tool

By MomElefant

from Woburn, MA

Comments about HFCU CU Thrive Reviews:

CU Thrive is a fantastic product.

Convenience:
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7/27/2017

5.0

HFCU is the BEST Place for Your Financial Needs

By Lopo

from Quincy, MA

Comments about HFCU CU Thrive Reviews:

I cannot say enough about the customer service I receive regularly from HFCU. They are always ready to assist me whether I have a question or a problem with one of my accounts. And, if they can't resolve problems immediately, they follow through until they are resolved. Their online site is user friendly, too.

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7/22/2017

5.0

Easy and fast with good interests

By Eyal Groen

from Massachusetts

Comments about HFCU CU Thrive Reviews:

Greatest

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6/28/2017

(1 of 1 customers found this review helpful)

5.0

i got it because its the best

By vin

from port charlotte,fl.

Comments about HFCU CU Thrive Reviews:

it would even be better if one could start a thrive with a few 1,000.

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6/22/2017

(1 of 1 customers found this review helpful)

5.0

Excellent feature, great value !!

By Mil

from Bos

Comments about HFCU CU Thrive Reviews:

Great product and services. I switched into Hanscom and made it my Primary Bank.

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5/24/2017

5.0

Best Credit Union ever!

By Denise the hiker

from Pepperell, MA

Comments about HFCU CU Thrive Reviews:

Hanscom C.U. has the best rates and services. I especially like the CU Thrive account because they offer a very good interest rate unlike any other. When I have issues online someone is available to call so they can complete my transaction over the phone. I have never had a problem with Hanscom Credit Union.

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5/17/2017

5.0

Great value.

By Pink

from Devens

Comments about HFCU CU Thrive Reviews:

Great way to save money.

5/8/2017

5.0

i have not used these features yet. i am still new.

By uma

from McLean

Comments about HFCU CU Thrive Reviews:

I am just commenting based on policy and ease of opening. I have not used these accounts yet.

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4/16/2017

(1 of 1 customers found this review helpful)

5.0

CU thrive is a great program.

By Andy Pickle Ball Player

from Dalton, MA

Comments about HFCU CU Thrive Reviews:

I have always had great service from Hanscom and CU thrive is a great value.

Convenience:
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4/6/2017

5.0

excellent services

By LFJ

from holliston, ma

Comments about HFCU CU Thrive Reviews:

no more comments than excelllent

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Money Market

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CU Thrive

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Higher Yield Savings

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CU Thrive