Temporary Changes to Branch Availability

Please note: Masks are required while doing business in the branches. Click here to see temporary changes to branch availability at our MITRE Bedford, MITRE McLean, Bedford, South Bay, Moakley, O'Neill, and McCormack branches.

Free Credit Report & Score Review

Review your credit report for free

Plenty of people pay fees to get their credit score, but as a member of Hanscom FCU, you can meet with our representatives at no charge to review your credit report and discuss strategies to help you raise your score. Complete the form below and a member of the Member Relations team will contact you. You can also visit any branch location or call us at 800-656-4328 for details.

We care about your privacy. Please do not include your member number, SSN, or any other private information in your e-mail.
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Do you need a credit check?

What is a credit score?
A credit score is a number ranging from 350 to 850 that provides an overview of credit worthiness. Your score is important because it can impact whether you’ll get a loan and how much you’ll pay for the privilege. The good news is that credit scores can change constantly, so it is possible to increase your score and reap the rewards of doing so.

How can I get a better loan rate?
Your rate is determined by your credit score. Your credit score is determined by how well you have handled your credit responsibilities in the past.

How often does a credit score change?
Your credit file is continually updated with new information from your creditors. The score is calculated based on the latest "snapshot" of information contained in your file at the time the score is requested.

So your FICO score from a month ago is probably not the same score a lender would get from the credit reporting agency today. Fluctuations of a few points from month to month are quite common.

How can I increase my credit score results?
Your FICO score analysis will suggest things you can do to improve your score overtime. Generally, people with high scores consistently:Pay bills on time. Keep balances low on credit cards and other revolving credit products Apply for and open new credit accounts only as needed.

Can I get a credit report on my own for free?
Yes, The Fair and Accurate Credit Reporting (FACT) Act requires credit bureaus to furnish consumers a free copy of their own credit report each year by request. Please Note: Free credit reports do not include credit scores.

How do I request my free credit report through the Annual Credit Report Request Service?
To obtain your free credit reports, visit: www.annualcreditreport.com

How can I request my free credit report review and enhancement?
Get your free credit review and score enhancement at any branch location or by calling member services at 800-656-4328.




Only there at Natick Labs two days a week, but you made it easy.

Natick Labs Office


Terrible Customer Experience


Terrible customer experience - from end to end. Zero promptness; customer reps have no phone manners, don't know their own process; and can't answer anything for a few days. Antiquated process and overall antiquated bank.



Always professional knowledgeable and friendly!


Everyone I speak with are courteous and helpful.

Billerica MA


Fast and Easy


They make you feel like family. Like they have known you forever and they trust you.

Desoto, TX




I have been banking with Hanscom for 30 years. They are all the banking we need! They have been there for me through thick and thin. Kind, understanding, generous and impeccable. The very best UX. Highly recommended!

Washington, DC




I was very satisfied with the prompt service



Fast and easy





Wonderful service and experience


I've been a member for over six years and have found staff to always be helpful, rates are reasonable and am overall very happy with all the service options available through HFCU.

Boston, MA


I've been a customer since the 70s





Changed from a credit union i had been with over 30 yrs...


They are great..love the new one in South Bay..great customer service

Stoughton MA


Credit Report and Score

4.7 486