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 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)

85%

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 103 customers

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6/20/2017

5.0

Very Positive Experience

By JR

from Bedford, MA

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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6/19/2017

5.0

Mass Saves / Heat Loan Program

By Frank The Tank

from Melrose, MA

Comments about HFCU Savings:

Superb customer service by Helene!

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6/19/2017

5.0

Excellent in-person service

By Gerry

from McLean, VA

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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6/15/2017

1.0

Terrible

By Lise bonk

from Concord NH

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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6/14/2017

3.0

On the fence.

By On the fence Scott

from Beverly, MA

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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6/11/2017

2.0

No Cust Service and the hardest site to use

By Dianne

from Mane

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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6/10/2017

2.0

Friendly people, not so friendly website

By Mish207

from Maine

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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6/6/2017

5.0

Fast Easy

By Bren

from Anson, Maine

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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6/6/2017

5.0

thank you for the low interest rate

By len

from new hamphire

Comments about HFCU Savings:

thank you for your service

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6/4/2017

1.0

Cant get in to pay loan Neil Seelen

By Neil

from Belchertown, MA

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)

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 21 customers

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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

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.

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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

3/20/2017

5.0

CU Thrive

By .

from McLean,VA

Comments about HFCU CU Thrive Reviews:

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

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3/13/2017

5.0

Excellent value

By jcguzman05

from Colorado

Comments about HFCU CU Thrive Reviews:

Convenient setup with an excellent value.

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3/13/2017

5.0

Great value and smart investment.

By Davidk

from McLean

Comments about HFCU CU Thrive Reviews:

Fantastic investment

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3/7/2017

5.0

A Great Way to Start Saving Even With Little Money!

By Friend

from Lexington

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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3/4/2017

4.0

Helene and Rhonda are extremely helpful and responsive.

By Pablo

from Boston MA

Comments about HFCU CU Thrive Reviews:

Easy account to open. Great service

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CU Thrive: Saving is Easy

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Money Market

Savings

Savings Account

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CU Thrive

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Higher Yield Savings

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Savings

Higher Yield Savings

CU Thrive

Money Market/Business Investment Account

Reviews

Savings Reviews

CU Thrive Reviews

Primary Savings

CU Thrive