Rates

Our saving, mortgage and loan rates are consistently better.

Account Rates

Table data for CU Thrive
 Rates effective 09-19-2018
Dividend Rate APY1 Alert Me
2.96% 3.00%
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  • 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.

Table data for Checking Account Rates
 Rates effective 09-19-2018
Dividend Rate APY Alert Me
Kasasa Cash® Checking Alert Me
$0.01 to $15,000.00 2.47% 2.50% Receive a notification when this rate changes
$15,000.01 and over 0.30% 0.30% 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 Checking Account Online Receive a notification when this rate changes
Premier Checking Alert Me
0.30% 0.30%1 Receive a notification when this rate changes
Open a Checking Account Online Receive a notification when this rate changes
Free Checking Alert Me
0.00% 0.00%2 Receive a notification when this rate changes
Open a Checking Account Online Receive a notification when this rate changes
  • 1APY = Annual Percentage Yield. No minimum balance requirements apply to this account. You must maintain an average daily balance of $2,000.00 or a combined average daily balance of $6,000.00 in any type of savings account or loan product to avoid a monthly fee. Rates are variable and may change after the account is opened. Fees may reduce earnings. Rate subject to change without notice. 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.

Table data for Certificates
 Rates effective 09-19-2018
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 0.85% 0.85% Receive a notification when this rate changes
3 to 5 Month 0.85% 0.85% Receive a notification when this rate changes
6 to 11 Month 0.95% 0.95% Receive a notification when this rate changes
11 Month 1.49% 1.50% Receive a notification when this rate changes
12 to 17 Month 1.24% 1.25% Receive a notification when this rate changes
18 to 29 Month 1.89% 1.90% Receive a notification when this rate changes
30-59 Month 1.98% 2.00% Receive a notification when this rate changes
48 Month 2.72% 2.75% Receive a notification when this rate changes
60 Month 2.23% 2.25% 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.

Table data for Higher Yield Savings
 Rates effective 09-19-2018
Dividend Rate APY1 Alert Me
1.24% 1.25% 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.

Table data for Money Market/Business Investment Account
 Rates effective 09-19-2018
Dividend Rate APY1 Alert Me
Balance less than $2,000.00 0.00% 0.00%
$2,000.00 - $9,999.99 0.50% 0.50%
$10,000.00 - $24,999.99 0.70% 0.70%
$25,000.00 - $49,999.99 0.80% 0.80%
$50,000.00 - $74,999.99 0.90% 0.90%
$75,000.00 - and over 1.00% 1.00%
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.

Table data for Savings
 Rates effective 09-19-2018
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.30% 0.30% 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 0.30% 0.30% 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) 0.30% 0.30% Receive a notification when this rate changes
Secondary Shares (min. balance $1) 0.30% 0.30% 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.

Table data for Traditional and Roth IRAs
 Rates effective 09-19-2018
Dividend Rate APY1 Alert Me
IRA Share Account (min. bal. $1) 0.30% 0.30% Receive a notification when this rate changes
IRA Money Market (min. bal. $2,000) 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 0.50% 0.50% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.70% 0.70% Receive a notification when this rate changes
$25,000.00 - $49,999.99 0.80% 0.80% Receive a notification when this rate changes
$50,000.00 - $74,999.99 0.90% 0.90% Receive a notification when this rate changes
$75,000.00 - and over 1.00% 1.00% Receive a notification when this rate changes
IRA Certificates (min. bal. $500) Dividend Rate APY Alert Me
6 Month 0.95% 0.95% Receive a notification when this rate changes
12 Month 1.24% 1.25% Receive a notification when this rate changes
18 Month 1.89% 1.90% Receive a notification when this rate changes
30 Month 1.98% 2.00% Receive a notification when this rate changes
60 Month 2.23% 2.25% Receive a notification when this rate changes
  • 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.

Loan Rates

Table data for New and Used Car Loan Rates
 Rates effective 09-19-2018
Annual Percentage Rates (APR) as low as: Payment per $1,0001 Alert Me
Up to 24 Months 2.24% $42.65 Receive a notification when this rate changes
25 to 36 Months 2.74% $28.97 Receive a notification when this rate changes
37 to 48 Months 2.94% $22.11 Receive a notification when this rate changes
49 to 65 Months 3.19% $16.77 Receive a notification when this rate changes
66 to 75 Months 3.44% $14.84 Receive a notification when this rate changes
76 to 84 Months 4.74% $14.01 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
*APR= Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Hanscom FCU offers a 0.25% discount for loans on new and used vehicles (excluding motorcycles) to current active duty members in the U.S. Military. Maximum loan to value for vehicle loans is 120% for members with the best credit profile.
  • 1Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Table data for Better Than a Lease Loan
 Rates effective 09-19-2018
APR1 Maximum Term Alert Me
New Vehicle 1% above vehicle loan rate 72 months
Used Vehicle 1% above vehicle loan rate 48 months
Calculate a Payment
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.

Table data for New and Used Boats, Motorcycles and RVs
 Rates effective 09-19-2018
APR1 Payment per $1,0002 Alert Me
Up to 24 Months 2.74% $42.87 Receive a notification when this rate changes
25 to 36 Months 3.24% $29.19 Receive a notification when this rate changes
37 to 48 Months 3.44% $22.33 Receive a notification when this rate changes
49 to 65 Months 3.69% $17.00 Receive a notification when this rate changes
66 to 75 Months 3.94% $15.06 Receive a notification when this rate changes
76 to 84 Months 5.24% $14.25 Receive a notification when this rate changes
Apply for a Loan Online Receive a notification when this rate changes
  • 1APR=Annual Percentage Rate.
  • 2Rates shown are for members with the best credit profile. Other rates are available, based on your credit history.

Table data for Home Equity 3 in 1 Advantage Plan
 Rates effective 09-19-2018
Line of Credit and MasterCard Platinum Credit Card APR1 Payment per $1,0002 Alert Me
To 75% LTV (Prime - 1/2%) 4.50% Varies Receive a notification when this rate changes
76% to 85% LTV (Prime + 1/2%) 5.50% Varies Receive a notification when this rate changes
Over 85% LTV (Prime + 1 1/2%) 6.50% Varies Receive a notification when this rate changes
Fixed Rate Advance - To 75% LTV Alert Me
Up to 5 years 4.24% $18.53 Receive a notification when this rate changes
5 to 10 years 4.74% $10.48 Receive a notification when this rate changes
10 to 15 years 4.99% $7.90 Receive a notification when this rate changes
15 to 20 years 5.99% $7.16 Receive a notification when this rate changes
Fixed Rate Advance - 76% to 85% LTV Alert Me
Up to 5 years 4.49% $18.64 Receive a notification when this rate changes
5 to 10 years 4.99% $10.60 Receive a notification when this rate changes
10 to 15 years 5.24% $8.03 Receive a notification when this rate changes
15 to 20 years 6.24% $7.30 Receive a notification when this rate changes
Fixed Rate Advance - Over 85% LTV Alert Me
Up to 5 years 4.74% $18.75 Receive a notification when this rate changes
5 to 10 years 5.24% $10.72 Receive a notification when this rate changes
10 to 15 years 5.49% $8.17 Receive a notification when this rate changes
15 to 20 years 6.49% $7.45 Receive a notification when this rate changes
Apply for a Home Equity Receive a notification when this rate changes
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. Hanscom FCU offers Home Equity Plans on primary residences to our members nationwide, with the exception of Texas, Alaska, Hawaii, and New York.

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 (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. Maximum allowed CLTV may vary by state.
  • 1APR=Annual Percentage Rate.
  • 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Table data for Hanscom FCU Credit Card
 Rates effective 09-19-2018
APR1 Alert Me
Platinum Credit Card 8.49% Receive a notification when this rate changes
Platinum Secured Credit Card 8.49% Receive a notification when this rate changes
Apply for a Credit Card Online Receive a notification when this rate changes
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. You can also view the Card Agreement for additional details.
  • 1APR=Annual Percentage Rate.

Table data for Personal/Signature Loan
 Rates effective 09-19-2018
APR1 Payment per $1,0002 Alert Me
Up To 60 months 8.49% $20.51 Receive a notification when this rate changes
Apply for a Loan Online Receive a notification when this rate changes
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.

Table data for Line of Credit
 Rates effective 09-19-2018
APR1 Alert Me
8.49% Receive a notification when this rate changes
Apply for a Loan Online Receive a notification when this rate changes
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.

Table data for Share Secured
 
APR1 Alert Me
security rate + 3% Receive a notification when this rate changes
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.