Saving Account Options | Higher Yield Savings

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

0.20%

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

0.75%

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.

0.65%

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 09-27-2016
	Dividend Rate	APY¹	Alert Me
Share Savings (min. balance $25)	0.20%	0.20%

Holiday & Vacation Club (min. balance $1)	0.20%	0.20%

Secondary Shares (min. balance $1)	0.20%	0.20%

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 09-27-2016
Dividend Rate	APY¹	Alert Me
0.75%	0.75%

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 09-27-2016
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 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 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 09-27-2016
	Dividend Rate	APY¹	Alert Me
Balance less than $2,000.00	0.00%	0.00%

$2,000.00 - $9,999.99	0.25%	0.25%

$10,000.00 - $24,999.99	0.40%	0.40%

$25,000.00 - $49,999.99	0.50%	0.50%

$50,000.00 - $74,999.99	0.55%	0.55%

$75,000.00 - and over	0.65%	0.65%

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.

Insurance?

CU Thrive: Saving is Easy

Mobile Deposits

Savings

Primary Savings

Higher Yield Savings

CU Thrive

Money Market

Savings

Savings Account

Secondary Shares

CU Thrive

Money Market

Club Accounts

Higher Yield Savings

Rates

Savings

Higher Yield Savings

CU Thrive

Money Market/Business Investment Account