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 10-18-2018
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 10-18-2018
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 10-18-2018
Dividend Rate APY1 Alert Me
2.96% 3.00% 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 10-18-2018
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 0.50% 0.50% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.70% 0.70% Receive a notification when this rate changes
$25,000.00 - $49,999.99 0.80% 0.80% Receive a notification when this rate changes
$50,000.00 - $74,999.99 0.90% 0.90% Receive a notification when this rate changes
$75,000.00 - and over 1.00% 1.00% 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 10-18-2018
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
11 Month 1.49% 1.50% Receive a notification when this rate changes
12 to 17 Month 1.49% 1.50% Receive a notification when this rate changes
18 Month Special 2.47% 2.50% Receive a notification when this rate changes
18 to 29 Month 2.13% 2.15% Receive a notification when this rate changes
30-59 Month 2.23% 2.25% Receive a notification when this rate changes
48 Month 2.72% 2.75% Receive a notification when this rate changes
60 Month 2.47% 2.50% 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

Positive experience all the way👍🏻

5

I am very happy to be a member of Hanscom Federal Credit Union and look forward to working with them.

Essex County

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Mass Save interest free loan

5

I walked in with no appointment and was greeted by the branch manager who invited me into her office. In no time the proper forms were signed with the exception of my wife signing which happened a couple of days later. A great experience.

Billerica, MA

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Very customer friendly

5

Their APR's are one of the best in the market.

Boston

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Fast and Easy

5

Lots of ATMs to use, great staff, easy to work with.

Dedham, MA

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Great service, fast response

5

Was able to easily open an account and get loan approval online. Received prompt, personal attention from friendly and knowledgeable staff.

MA

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I wish I joined sooner!

5

Since I opened my accounts online, I've received so much help almost immediately! My rep gave great suggestions to help my credit & it was effortless to receive the help, the advice & the bank products! I wish I joined sooner! I Never knew such great one on one banking experience existed anymore! I'll be at Hanscom for life now!

Derry, NH

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Awesome

5

Staff is amazing !

Massachusetts

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So far it's been great

5

I've been a member less than a month, but my experiences so far have been wonderful. I highly recommend Hanscom FCU!!

Mass

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I love my credit union. Very helpful staff. Great info.

5

I opened up a tenant escrow--which the HFCU puts under savings. They are a big pain, required by the state of Massachusetts. HFCU sets them up correctly. This is a great service they offer to me a small landlord.

Massachusetts

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Signed up at the Brockton VA while doing some work for OPM.

5

VA branch in Brockton very helpful opening a new account. Great folks over there. I retired about fifteen years ago and was not too happy with my bank. Also got great help at the USCG Base Boston branch about how my account works. Thanks to both branches for helping an older "Baby Boomer"!!!

Boston, Ma.

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Savings

4.4 262

88.3

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

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Fast set up

5

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

Sterling VA

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Outstanding interest rate!

5

CU Thrive hits all the marks.

Brighton, MA

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Great Service. Knowledge customer rep.

5

Excellent service. Knowledgeable customer representatice.

Bkston.ma

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CU Thrive

5

Great Credit Union. Very helpful staff

Belchertown, Ma

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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

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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

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Great service and friendly staff!

5

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

Billerica Ma

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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

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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

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CU Thrive Reviews

4.8 37

100.0