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Account Rates

Table data for CU Thrive
 Rates effective 06-03-2023
Dividend Rate APY1 Alert Me
4.89% 5.00% Receive a notification when this rate changes
Learn More 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 CU Thrive Account Disclosure 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. You can also visit any branch location or call us at 800-656-4328 for details. ↵
Table data for Higher Yield Savings
 Rates effective 06-03-2023
Dividend Rate APY1 Alert Me
0.50% 0.50% 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 Share Certificates
 Rates effective 06-03-2023
Dividend Rate APY1 Alert Me
EasyStart (min. balance $250) 0.65% 0.65% Receive a notification when this rate changes
3 to 5 Month 1.24% 1.25% Receive a notification when this rate changes
6 to 11 Month 4.41% 4.50% Receive a notification when this rate changes
12 to 17 Month 3.93% 4.00% Receive a notification when this rate changes
13 Month Special 4.89% 5.00% Receive a notification when this rate changes
18 to 29 Month 1.49% 1.50% Receive a notification when this rate changes
30 to 59 Month 1.49% 1.50% Receive a notification when this rate changes
60 Month 1.74% 1.75% 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 Savings
 Rates effective 06-03-2023
Dividend Rate APY1 Alert Me
Share Savings (min. balance $25) 0.10% 0.10% Receive a notification when this rate changes
Kasasa Saver®
(min. balance $1)		 Must be linked to Kasasa Cash or Kasasa Cash Back® APY2 Alert Me
$50,000.01 and over 0.10% 0.10% Receive a notification when this rate changes
$0.01 to $50,000.00 1.00% 1.00% 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
Dividend Rate APY Alert Me
Holiday & Vacation Club (min. balance $1) 0.10% 0.10% Receive a notification when this rate changes
Dividend Rate APY Alert Me
Secondary Shares (min. balance $1) 0.10% 0.10%2 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. Rates are variable and may change after the account is opened. Fees may reduce earnings. Rate subject to change without notice. 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. ↵
  • 2APY = Annual Percentage Yield. ↵
Table data for Checking Account Rates
 Rates effective 06-03-2023
Dividend Rate APY Alert Me
Premier Checking Alert Me
0.10% 0.10%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 Kasasa Cash Checking
 Rates effective 06-03-2023
Dividend Rate APY1 Alert Me
$0.01 to $15,000.00 1.00% 1.00% Receive a notification when this rate changes
$15,000.01 and over 0.10% 0.10% 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
Kasasa Cash® Disclosure 1Kasasa Cash: Earn 1.00% APY on balances up to $15,000.00 in each Monthly Qualification Cycle that your account qualifies. The portion of your balance above that cap will earn an interest rate of 0.10% resulting in a range from 0.10% to 1.00% APY, depending on the account’s balance, each cycle that your account qualifies. Earn 0.01% APY in cycles that your account does not qualify. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. “Statement Cycle” means the period of time for which Hanscom FCU provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Rates and rewards are subject to change and may change after account is opened. Fees may reduce earnings.
  • 1APY = Annual Percentage Yield. ↵
Table data for Traditional and Roth IRAs
 Rates effective 06-03-2023
Dividend Rate APY1 Alert Me
IRA Share Account (min. bal. $1) 0.10% 0.10% 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 0.10% 0.10% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.20% 0.20% Receive a notification when this rate changes
$25,000.00 - $49,999.99 0.25% 0.25% Receive a notification when this rate changes
$50,000.00 - $74,999.99 0.25% 0.25% Receive a notification when this rate changes
$75,000.00 - and over 0.35% 0.35% Receive a notification when this rate changes
IRA Certificates (min. bal. $500) Dividend Rate APY2 Alert Me
6 Month 4.41% 4.50% Receive a notification when this rate changes
12 Month 3.93% 4.00% Receive a notification when this rate changes
18 Month 1.49% 1.50% Receive a notification when this rate changes
30 Month 1.49% 1.50% Receive a notification when this rate changes
60 Month 1.74% 1.75% 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. ↵
  • 2APY = Annual Percentage Yield. ↵
Table data for Business Investment Account
 Rates effective 06-03-2023
Dividend Rate APY1 Alert Me
Balance less than $2,000.00 0.50% 0.50% Receive a notification when this rate changes
$2,000.00 - $9,999.99 1.00% 1.00% Receive a notification when this rate changes
$10,000.00 - $24,999.99 1.49% 1.50% Receive a notification when this rate changes
$25,000.00 - $49,999.99 1.98% 2.00% Receive a notification when this rate changes
$50,000.00 - $74,999.99 2.23% 2.25% Receive a notification when this rate changes
$75,000.00 - and over 2.47% 2.50% 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. ↵

Table data for Money Market Account
 Rates effective 06-03-2023
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 0.10% 0.10% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.20% 0.20% Receive a notification when this rate changes
$25,000.00 - $49,999.99 0.25% 0.25% Receive a notification when this rate changes
$50,000.00 - $74,999.99 0.25% 0.25% Receive a notification when this rate changes
$75,000.00 - and over 0.35% 0.35% 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. ↵

Table data for Premier Money Market Account
 Rates effective 06-03-2023
Dividend Rate APY1 Alert Me
$.01 - $99,999.99 2.47% 2.50% Receive a notification when this rate changes
$100,000 - $249,999.99 2.96% 3.00% Receive a notification when this rate changes
$250,000 - $499,999.99 2.96% 3.00% Receive a notification when this rate changes
$500,000 - $999,999.99 3.20% 3.25% Receive a notification when this rate changes
$1,000,000 and above 3.20% 3.25% Receive a notification when this rate changes
Open a Premier Money Market Account 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. ↵

Your accounts are insured  by the National Credit Union Share Insurance Fund (NCUSIF).

Your accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000.

The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

Depending on how your accounts are owned and what types of accounts you have, you can increase the total insurance on your funds to greater than $250,000.

Calculate the amount of your insured funds at a federally insured credit union using NCUA’s Share Insurance Estimator. The estimator can be used for personal, business, or government accounts. Personal accounts include individual ownership, joint ownership, payable-on-death (accounts with named beneficiaries), living trusts, and IRAs. The Estimator also includes an extensive Glossary of Terms and Frequently Asked Questions,

You can also read NCUA's More in-depth information on types of deposit accounts

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