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 06-25-2019
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® 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 06-25-2019
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 06-25-2019
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 06-25-2019
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 06-25-2019
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

SUPERSTARS!

5

Super happy with the entire transaction with HFCU for my new loan. The rates are competitive and the customer service was far above what I've experienced anywhere else. The loan officers were very friendly and outlined each step of the way so it was incredibly easy on my end.

Boston, MA

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Personal customer service attention was extremely helpful

5

Whenever I went to the main office at Beford, the personal attention I received was extemely helpful. I had a lot of transactions that needed to be addressed, and customer service handled everything efficiently.

Andover, MA

true

As good as it gets!

5

Hanscom FCU as been there for decades and has evolved smartly to provide top-notch services. My community bank has been acquired (eaten by bigger fish) multiple times over the same time period -- each time forcing me to meet new people and change banking credentials. I am staying exclusively with Hanscom FCU from now on.

Northern VA

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So far, so good :)

4

I am a fairly new member, but so far so good. I appreciate the rates, which are some of the best I could find for checking and savings. The credit union reached out to me immediately upon attempting to open the account online and assisted me in completing the process. I do wish the Thrive account could be managed by me as far as being able to change the dates and amounts of the transfers without having to contact someone as the credit union, but that is minor. Overall, I am satisfied and hope to remain a credit union member for as long as possible!

Virginia

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Excellent credit union

5

The staff are friendly and helpful and have a positive attitude.

Boston, MA

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Best bank ever

5

I had a wonderful experience at the bank. Thank you guys

Wayland

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Easily the quickest, most efficient banking experience

5

My MassSave Heat loan was processed quickly and efficiently, and totally online. Alix was responsive, pleasant, and quick!

Massachusetts

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Good Service

4

The customer representatives were professional and knowledgeable of their products. Very little wait time when calling customer service. It took me 4 working days for my on-line prime savings account to be approved. You can only do an electronic fund transfer of $75K from your home financial institute to Hanscom. Money above $75K had to be wired to Hanscom to open a certificate. Wiring money added a little cost and delayed opening up a new certificate account. The on-line timeline for opening a new account and procedures for moving large amounts of money needs more attention.

Decatur, AL

true

Outstanding support

5

Thank you so much for the super fast car loan process. It was quick and painless and perfect for us.

Boston, MA

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had every answer to every question i had

5

very helpful had everything i asked and showed me more options that I didnt know i had

Billerica MA

true

Savings

4.5 326

89.4

CU Thrive

Excellent personnel good product choices

5

Employees station that the Brockton VA are excellent

Carver Ma

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Michelle is the best teller.

5

Great credit union

Jamaica

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Fantastic person

5

Susan was extremely helpful in opening my accounts.

Weymouth

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Great value

5

Great bank

Billerica ma

true

Great customer service and support! At the Beverly location

4

At the Beverly location the ladies are great, customer service outstanding.

Beverly Ma

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New to CU Thrive

5

Unfortunately I do not remember names, but, every employee I have dealt with at Hanscom AFB, Bedford, Devens, and Littleton have been very skilled and have responded to each of my requests with a smile and a thank you. I will be a member for all my remaining days.

Maynard, MA

Excellent service

5

None.

Palm Beach, FL

true

Superb Customer Service

5

I was impressed with the representative who assisted me. She was both knowledgeable, thorough and patient. I'm comfortable with account revision implemented. She updated me on other available options for future consideration stressing she didn't want me feeling overwhelmed. I chose to take advantage on the spot!

Burlington MA

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Loan

5

Great rate on car loan.

Westborough

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Process to enroll was easy due to great staff.

5

Wish the deposit amount limit was higher. I would deposit more.

Boston

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CU Thrive Reviews

4.8 81

98.5