1APY = Annual Percentage Yield. Rates for prior month - declared 11/2013 and paid for 11/2013. Next rate declaration will be 12/2013. 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. CU Thrive rates are fixed for the full term (12 months) with a maximum amount of $500 per month. 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 open an account click here, stop by any office or call our Member Services Department at 800-656-4328.