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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.

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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

More Information & Extras

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Payday Perqs

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 04-26-2019
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.40% 0.40% 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 0.40% 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
Holiday & Vacation Club (min. balance $1) 0.40% 0.40% Receive a notification when this rate changes
Secondary Shares (min. balance $1) 0.40% 0.40% 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 04-26-2019
Dividend Rate APY1 Alert Me
1.98% 2.00% 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 04-26-2019
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 04-26-2019
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 04-26-2019
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
12 to 17 Month 1.98% 2.00% Receive a notification when this rate changes
18 to 29 Month 2.13% 2.15% Receive a notification when this rate changes
19 Month Special 2.96% 3.00% Receive a notification when this rate changes
30-59 Month 2.47% 2.50% Receive a notification when this rate changes
48 Month 3.06% 3.10% Receive a notification when this rate changes
60 Month 2.96% 3.00% 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

Great service!!

5

Ms. G. clearly explained the transaction and provided the paperwork required for a signature. She understands the process and anticipates future steps.

Bedford HAFB

true

Above and Beyond

5

Friendly staff that were helpful even when getting to the window just as they closed, after waiting in line for about 45 minutes. Made sure they took the information needed so that they could have the account set up and open when I came in the next day.

W Roxbury MA

true

I am completely satisfied.

5

I am provided with the best products, and service and the convenience is great to get things I need for my banking. I would recommend HFCU to all my family and friends for a wonderful banking experience and knowledge of all products they provide. I am completely satisfied and I am happy I chose HFCU for all my banking needs.

Naples , Florida

true

Above and beyond excellet customer service

5

Molly Harjow went above and beyond helping my husband and I with our car loan. She stayed at work late waiting for faxes to come through as we were hoping to pick up our car in just a matter of days after applying for the loan. She was always available. This was our first car loan and doing a lot of this online was so new to us. We can not thank her enough for her kindness and especially patience.

North Reading, MA

true

Great

5

Very good

Carlisle

true

Reliable, easy and efficient service

5

Excellent service provided by Molly Harjo!

Bedford, MA

true

Good company

5

Very good and I'm so happy to open account with your company

21 Pilgrim Lane Hyannis

true

Simple to Save

5

HFCU makes it so easy to save. They asked great questions and recommended a few options to best reach my financial goals yet provide flexibility in case of an emergency.

Cambridge, MA

true

Real people helping new members

5

Collin in the Natick office work hard to assist me in on boarding me as new client.

Medway, MA

true

Awesome Credit Union and Service

5

Hanscom is an OUTSTANDING Credit Union.

Moyock, NC

true

Savings

4.5 313

88.9

CU Thrive

Beyond excellent

5

Excellent services

Boston mass

true

The institution seems to have my best interest at heart.

4

Over the years I'v come to know the staff at Devens. They welcome us as part of the greater family.

Shirley, Ma.

true

estate administrator first time dilemna

4

It would have been efficient experience if there was a checklist for the payee. The first time I brought the check the initial Hanscom clerks could have explained to me that I need to go to probate court to represent the estate. That I will need a State EIN (employee Identification Number) prior to opening an account. Then the third clerk could have assisted me without having been delayed processing or running around mode as this was so frustrating for the both of us before we properly completed the transaction. This might have been unusual or unique but it would have been so much easier if they had a checklist for both of us, rather than having to make numerous calls which was also frustrating. In my case, it was exhausting and caused me great anxiety because of the driving, parking and running around. I hope that I am the only one to go through this unusual situation. I do want to thank everyone who was kind, helpful and patience with me through this ordeal - Hanscom and state empoyees.

boston, ma

true

Awesome value for your money

5

I believe the cu thrive account HANSCOM offers is by far the best value for your buck. Excellent customer care service, and real time results. As I watch my money grow every week or month depending on the contribution. I have seen excellent results and have had much success in the process.

Boston MA

true

Great

5

Great service

Jp ma

true

Helpful staff and easy signup for opening a Thrive Account

5

Great service and helpful staff make it convenient to do business with HFCU.

Boston

true

Great value

4

Great value but of course, I wish I could deposit a larger amount.

Rhode Island

true

CU Thrive

5

Setting up the CU Thrive account was as easy as making one phone call. You decide how much you want to put into your a/c each month, up to $500 and then select the date you want the transfer to occur each month. At the end of 12 months, the entire amount with interest is put into your savings a/c. Quick, easy, safe and a 5% interest rate!!!

Plymouth, MA

true

Easy to restart my CU Thrive Account

5

Still one of the best interest rates available.

Annandale. VA

true

Extraordinary helpful personnel

5

Had some difficulty with opening an account for my wife and some transfers. Very helpful, polite and professional people to deal with at every corner from staff to managers to VP. Never have I experienced such tremendous service.

New York

true

CU Thrive Reviews

4.8 71

98.2

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