Savings

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.

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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).

Money Market

  • 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.

Club Accounts

  • Holiday Club, Vacation Club and 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.

Higher Yield Savings

  • 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.

Rates

Savings

  •  Rates effective 06-24-2017
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 06-24-2017
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 06-24-2017
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 06-24-2017
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 103 reviews)

Ratings Distribution

  • 5 Stars

     

    (75)

  • 4 Stars

     

    (8)

  • 3 Stars

     

    (3)

  • 2 Stars

     

    (6)

  • 1 Stars

     

    (11)

85%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

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No Best Uses
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Reviewed by 103 customers

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5.0

Very Positive Experience

By 

from Bedford, MA

Verified Buyer

Comments about HFCU Savings:

Two interactions including the opening of a money market account and a savings account. Both transactions by staff were positive. Both staff members I dealt with were pleasant and efficient in handling the transactions.

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5.0

Mass Saves / Heat Loan Program

By 

from Melrose, MA

Verified Buyer

Comments about HFCU Savings:

Superb customer service by Helene!

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5.0

Excellent in-person service

By 

from McLean, VA

Verified Buyer

Comments about HFCU Savings:

I received excellent and efficient in-person service at the McLean office. The interest rate is good, though not as good as I could get at Synchrony Bank, an online bank. I was told that HFCU does not provide mailing envelopes, which is inconveniences for me. Because envelopes are not provided, I often deposit checks at a different bank. Please start providing addressed envelopes to make it easier for customers to make deposits.

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1.0

Terrible

By 

from Concord NH

Verified Buyer

Comments about HFCU Savings:

New consumer to this branch I find it appalling not to be able to call the 1-800 number and not make a payment needless to say I'm out of state with this loan I have no locations wouldn't allow me to make a payment on the phone

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3.0

On the fence.

By 

from Beverly, MA

Verified Buyer

Comments about HFCU Savings:

I am doing a refi with HFCU. In order to do that, you need to open up an account first, which makes sense. I decided to open up two accounts online, and after I got the email that they were approved, I tried to login in on the web, using the credentials I just used to create the online account... but no success. There was no indication at all that I now needed to create a password to gain access to my accounts online, which you need to request through a form that you fill out and then fax, mail, or hand in at an office. This form is not secure at all. Also, I would love to personally hand in the form, but the hours of 8:30-4:00 for the branch closest to me just doesn't cut it. Not sure how that meets customers needs at all, especially since this is a cashless branch, which will never be open on my way into or back from work.

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2.0

No Cust Service and the hardest site to use

By 

from Mane

Verified Buyer

Comments about HFCU Savings:

This is about no employee. It's about trying to make a truck payment. Your site is awful to get around. I still can't get in to set it up. Called the 24 hour 1-800 number multiple times and no one answers.

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2.0

Friendly people, not so friendly website

By 

from Maine

Verified Buyer

Comments about HFCU Savings:

Everyone I have spoken to has been prompt. Professional, and helpful. If I had been able to use online banking I would not have had to speak with anyone though. The website is very outdated.

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5.0

Fast Easy

By 

from Anson, Maine

Verified Buyer

Comments about HFCU Savings:

This loan was quick and easy with great rates for used car . I was extremely happy with service and Thank you for helping me achieve my dream car .

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5.0

thank you for the low interest rate

By 

from new hamphire

Verified Buyer

Comments about HFCU Savings:

thank you for your service

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1.0

Cant get in to pay loan Neil Seelen

By 

from Belchertown, MA

Verified Buyer

Comments about HFCU Savings:

Cant get in to pay loan Neil Seelen

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REVIEW SNAPSHOT®

by PowerReviews
HFCUCU Thrive Reviews
 
4.8

(based on 21 reviews)

Ratings Distribution

  • 5 Stars

     

    (17)

  • 4 Stars

     

    (4)

  • 3 Stars

     

    (0)

  • 2 Stars

     

    (0)

  • 1 Stars

     

    (0)

100%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
    • Convenience:
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Reviewed by 21 customers

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5.0

Best Credit Union ever!

By 

from Pepperell, MA

Verified Buyer

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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5.0

Great value.

By 

from Devens

Verified Buyer

Comments about HFCU CU Thrive Reviews:

Great way to save money.

 
5.0

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

By 

from McLean

Verified Buyer

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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5.0

CU thrive is a great program.

By 

from Dalton, MA

Verified Buyer

Comments about HFCU CU Thrive Reviews:

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

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5.0

excellent services

By 

from holliston, ma

Verified Buyer

Comments about HFCU CU Thrive Reviews:

no more comments than excelllent

 
5.0

CU Thrive

By 

from McLean,VA

Verified Buyer

Comments about HFCU CU Thrive Reviews:

that purchase was suggested by employee, nice to have someone look at for you

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5.0

Excellent value

By 

from Colorado

Verified Buyer

Comments about HFCU CU Thrive Reviews:

Convenient setup with an excellent value.

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5.0

Great value and smart investment.

By 

from McLean

Verified Buyer

Comments about HFCU CU Thrive Reviews:

Fantastic investment

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5.0

A Great Way to Start Saving Even With Little Money!

By 

from Lexington

Verified Buyer

Comments about HFCU CU Thrive Reviews:

This is a great way for anyone to start saving money especially for people who don't think saving $5.00 per wk will add up to much! If that's too much try $5.00 per month. The money is deducted from your checking accounting monthly based on the $ amounts you discussed with the CU. This is a great start and with the interest rate around 3% watch how your money grows! Yes, you have to leave it in this account for 1 year (based on the anniversary date you opened the "CU Thrive Account") but at the end of that year these funds get transferred into your Savings Account (they do not get rolled over to the next year... you have to contact the CU to start all over again.)

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4.0

Helene and Rhonda are extremely helpful and responsive.

By 

from Boston MA

Verified Buyer

Comments about HFCU CU Thrive Reviews:

Easy account to open. Great service

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