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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.

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 12-09-2019
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.40% 0.40% Receive a notification when this rate changes
Kasasa SaverĀ®
(min. balance $1)
Must be linked to Kasasa Cash or Kasasa Cash BackĀ® APY2 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
Dividend Rate APY Alert Me
Holiday & Vacation Club (min. balance $1) 0.40% 0.40% Receive a notification when this rate changes
Dividend Rate APY Alert Me
Secondary Shares (min. balance $1) 0.40% 0.40%2 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.
  • 2APY = Annual Percentage Yield.

Higher Yield Savings

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

Table data for Higher Yield Savings
 Rates effective 12-09-2019
Dividend Rate APY1 Alert Me
1.49% 1.50% 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 12-09-2019
Dividend Rate APY1 Alert Me
4.89% 5.00% 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 12-09-2019
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 12-09-2019
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 1.44% 1.45% Receive a notification when this rate changes
3 to 5 Month 1.44% 1.45% Receive a notification when this rate changes
6 to 11 Month 1.64% 1.65% Receive a notification when this rate changes
12 to 17 Month 1.74% 1.75% Receive a notification when this rate changes
18 to 29 Month 1.79% 1.80% Receive a notification when this rate changes
19 Month Special 1.98% 2.00% Receive a notification when this rate changes
30-59 Month 2.13% 2.15% Receive a notification when this rate changes
48 Month 2.32% 2.35% Receive a notification when this rate changes
60 Month 2.37% 2.40% 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

excellent service

5

Happy with hanscom federal credit services

Quincy MA.

true

Very easy online experience

5

Very easy online experience to secure a MassSave loan.

Marlborough MA

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Great people - love you guys!

5

Wonderful staff

Framingham MA

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Ver easy to apply

5

It was so easy to apply and there is an almost immediate confirmation of acceptance.

Boston, MA

true

Amazing service all around!

5

I opened a savings and got a HEAT loan from Hanscom. They made it SO EASY! I'm tempted to move the rest of my financial operations over. We'll see....

Maynard, MA

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Off the charts excellence!

5

I have been working with Ciara and she has been incredible efficient. I helped my daughter with a car loan and subsequently refinanced my other car because she was so good. I highly recommend Hanscom and especially Ciara.

Narragansett, RI

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Overall a great experience to do a refi!

5

Great service!

Lexington, MA

true

Hidden gem

5

I really liked the terms and openness of HFCU

Boston

true

Awesome

5

McCormack branch is great super friendly and fast

Boston

true

Easy to join!

3

Once I got over some technical hurdles it was relatively easy to complete the application process. We were able to apply for a mass saves loan and were approved the same day. It was a little wierd to open a joint account the recieve checks I had not ordered without both my wife and I printed on them.

Mass

true

Savings

4.5 382

89.6

CU Thrive

great value, fast and easy

5

Diane is excellent.

new york

true

perfect choice of service

5

Helped me with the selection of services. Perfect solution

Danvers, MA

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Better than the commercial banks!

5

I've been a member for many years and plan to stay with this.

Maryland

true

Great Credit Union

5

Very good experience

Port Richey

true

A Great Way to Save Money

5

Glad we stopped by the Bedford Branch. It was very easy to set up a Thrive account and got great advice for getting the most interest on our accounts. HFCU is the best value!

Reading, MA

true

Wonderful customer service

5

I stopped by the South Bay Mall branch in Dorchester to open a CU Thrive automatic savings account. The customer service person was very helpful. I'm glad I took the time to visit the branch in person, instead of doing it over the phone.

South Boston, MA

true

Staff was so helpful

5

Friendly, helpful staff

Virginia

true

Yay CU Thrive!

5

Having a product available to me that will help put me on track for what is needed, at one of the best rates known, makes me ecstatic.

MA

true

Great place to do business

5

Thrive is paying great interests these days Open one while the great rate is available. Easy to do and great people to work with.

Sc

true

Excellent service and great support

5

Very satisfied

Mountain House, CA

true

CU Thrive Reviews

4.8 100

98.8