Rates

Our saving, mortgage and loan rates are consistently better.

Account Rates

CU Thrive

  •  Rates effective 07-04-2015
Dividend Rate APY1 Alert Me
2.96% 3.00%
  • 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 investment below the principal held at the beginning of the term. To get started click here, stop by any office or call our Member Services Department at 800-656-4328.

Checking Account Rates

  •  Rates effective 07-04-2015
Dividend Rate APY Alert Me
Premier Checking 0.20% 0.20%1
Free Checking 0.00% 0.00%2
  • 1APY = Annual Percentage Yield. No minimum balance requirements apply to this account. You must maintain an average daily balance of $2,000 or a combined average daily balance of $6,000.00 in any type of savings account or loan product to avoid a monthly fee. Please refer to the Disclosure for Personal Accounts for more information. 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.
  • 2APY = Annual Percentage Yield. No minimum balance requirements apply to this account. First 10 network ATM transactions per statement period are free. Please use our locator to find over 100,000 surcharge free ATMs nationwide.

Certificates

  •  Rates effective 07-04-2015
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 0.45% 0.45%
3 to 5 Month 0.45% 0.45%
6 to 11 Month 0.55% 0.55%
11 Month (available with Premier Checking) 0.85% 0.85%
12 to 17 Month 0.70% 0.70%
18 to 29 Month 0.85% 0.85%
30-59 Month 1.09% 1.10%
48 Month (available with Premier Checking) 1.59% 1.60%
60 Month 1.74% 1.75%
  • 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. 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.

Higher Yield Savings

  •  Rates effective 07-04-2015
Dividend Rate APY1 Alert Me
0.75% 0.75%
  • 1High Yield Savings. APY = Annual Percentage Yield. The minimum to open this account is $25,000. 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.

Money Market/Business Investment Account

  •  Rates effective 07-04-2015
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 0.40% 0.40%
$50,000.00 - $74,999.99 0.45% 0.45%
$75,000.00 - and over 0.55% 0.55%
  • 1APY = Annual Percentage Yield. The minimum to open this account is $2,000. 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.

Savings

  •  Rates effective 07-04-2015
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.

Traditional and Roth IRAs

  •  Rates effective 07-04-2015
Dividend Rate APY1 Alert Me
IRA Share Account (min. bal. $1) 0.20% 0.20%2
IRA Money Market (min. bal. $2,000) 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 0.40% 0.40%
$50,000.00 - $74,999.99 0.45% 0.45%
$75,000.00 - and over 0.55% 0.55%
IRA Certificates (min. bal. $500) Dividend Rate APY1 Alert Me
6 Month 0.55% 0.55%
12 Month 0.70% 0.70%
18 Month 0.85% 0.85%
30 Month 1.09% 1.10%
60 Month 1.74% 1.75%
  • 1IRA. APY = Annual Percentage Yield. The minimum to open this account is $1.00 (for the IRA Share Account) and $2,000 (for the IRA Money Market Account). 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.
  • 2IRA Certificates. APY = Annual Percentage Yield. The minimum to open this account is $500. For this type of account, the dividend period is monthly. 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. Early withdrawal penalties may apply to certificates. Fees may reduce the investment below the principal held at the beginning of the term. Please refer to the Disclosure for Personal Accounts for more information.

Loan Rates

New and Used Cars, Trucks and Vans

  •  Rates effective 07-04-2015
APR Payment per $1,0001 Alert Me
Up to 24 Months 1.49% $42.32
25 to 36 Months 1.99% $28.64
37 to 48 Months 2.19% $21.78
49 to 60 Months 2.19% $17.61
61 to 72 Months 2.19% $14.83
73 to 84 Months 4.49% $13.90
Rates reflect a 1/4% discount for automatic payment from a Hanscom FCU checking account. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Additional discounts may be available for fuel efficient vehicles and/or when loan to value is 90% or lower. Maximum loan to value for vehicle loans is 120% for members with the best credit profile. Contact Member Services at 800-656-4328 for rate details. Active Duty members in the U.S. Military (Army, Navy, Air Force, Marines, Coast Guard, National Guard or Active Reserves) can get 0.25% discount for loans on new and used vehicles. Spouses and retired military personnel are not eligible.
  • 1Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Better Than a Lease Loan

  •  Rates effective 07-04-2015
APR1 Maximum Term Alert Me
New Vehicle 1% above vehicle loan rate 72 months
Used Vehicle 1% above vehicle loan rate 48 months
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.

New and Used Boats, Motorcycles and RVs

  •  Rates effective 07-04-2015
APR1 Payment per $1,0002 Alert Me
Up to 24 Months 1.74% $42.43
25 to 36 Months 2.24% $28.75
37 to 48 Months 2.44% $21.89
49 to 60 Months 2.44% $17.72
61 to 72 Months 2.44% $14.94
73 to 84 Months 4.74% $14.01
  • 1APR=Annual Percentage Rate.
  • 2Rates shown are for members with the best credit profile. Other rates are available, based on your credit history.

Home Equity 3 in 1 Advantage Plan

  •  Rates effective 07-04-2015
Line of Credit and Visa Platinum Credit Card APR1 Payment per $1,0002 Alert Me
To 75% LTV (Prime - 1/2%) 2.75% Varies
76% to 85% LTV (Prime + 1/2%) 3.75% Varies
Over 85% LTV (Prime + 1 1/2%) 4.75% Varies
Fixed Rate Advance - To 75% LTV Alert Me
Up to 5 years 2.99% $17.96
5 to 10 years 3.99% $10.12
10 to 15 years 4.99% $7.90
15 to 20 years 5.99% $7.16
Fixed Rate Advance - 76% to 85% LTV Alert Me
Up to 5 years 3.24% $18.08
5 to 10 years 4.24% $10.24
10 to 15 years 5.24% $8.03
15 to 20 years 6.24% $7.30
Fixed Rate Advance - Over 85% LTV Alert Me
Up to 5 years 3.49% $18.19
5 to 10 years 4.49% $10.60
10 to 15 years 5.49% $8.17
15 to 20 years 6.49% $7.45
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.

The plan allows up to three fixed rate advances from your line at any given time during the 10 year draw period. If you terminate your line within the first 24 months after closing, you will be responsible for closing costs. These costs generally range from $400-$700. Closing costs do not include any taxes, or extra appraisal costs (if necessary). Interest begins accruing upon loan disbursal. Check with your tax adviser about tax deductibility of interest. Homeowners insurance is required. Total Mortgages/Property Value = LTV
  • 1APR=Annual Percentage Rate.
  • 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Visa Credit Card

  •  Rates effective 07-04-2015
APR1 Alert Me
Visa Platinum Credit Card 8.49%
Visa Platinum Secured Credit Card 8.49%
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.

Personal/Signature Loan

  •  Rates effective 07-04-2015
APR1 Payment per $1,0002 Alert Me
Up To 60 months 8.49% $20.51
Rates reflect a 0.25% discount for automatic payment from a Hanscom FCU checking account. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.
  • 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Line of Credit

  •  Rates effective 07-04-2015
APR1 Alert Me
8.49%
Rates reflect a 0.25% discount for automatic payment from a Hanscom FCU checking account. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.

Share Secured

  •  
APR1 Alert Me
security rate + 3%
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.