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Account Rates

Table data for Checking & Savings
 Rates effective 10-26-2025
Dividend Rate APY1 Alert Me
Your Way Checking (Minimum to Open $0.00) 0.00% 0.00% Receive a notification when this rate changes
Your Way Savings* (Minimum to Open $25.00) Receive a notification when this rate changes
$0.01 - $199.99 0.20% 0.20% Receive a notification when this rate changes
$200 - $399.99 0.30% 0.30% Receive a notification when this rate changes
$400 - $749.99 0.40% 0.40% Receive a notification when this rate changes
$750 - $999.99 0.50% 0.50% Receive a notification when this rate changes
$1,000 - $1,999.99 0.60% 0.60% Receive a notification when this rate changes
$2,000 - $3,999.99 0.70% 0.70% Receive a notification when this rate changes
$4,000 - $5,999.99 0.80% 0.80% Receive a notification when this rate changes
$6,000 - $7,999.99 0.90% 0.90% Receive a notification when this rate changes
$8,000 - $9,999.99 1.00% 1.00% Receive a notification when this rate changes
$10,000 - $19,999.99 1.24% 1.25% Receive a notification when this rate changes
$20,000 - $29,999.99 1.49% 1.50% Receive a notification when this rate changes
$30,000 - $49,999.99 1.73% 1.75% Receive a notification when this rate changes
$50,000 - $99,999.99 1.98% 2.00% Receive a notification when this rate changes
$100,000+ 2.21% 2.25% Receive a notification when this rate changes
Premier Checking (Minimum to Open $0.00) 0.10% 0.10% Receive a notification when this rate changes
Premier Money Market** (Minimum to Open $2,000.00) Receive a notification when this rate changes
$0.01 - $24,999.99 0.50% 0.50% Receive a notification when this rate changes
$25,000 - $49,999.99 1.49% 1.50% Receive a notification when this rate changes
$50,000 - $99,999.99 2.47% 2.50% Receive a notification when this rate changes
$100,000 - $249,999.99 3.45% 3.50% Receive a notification when this rate changes
$250,000 - $499,999.99 3.45% 3.50% Receive a notification when this rate changes
$500,000 - $999,999.99 3.69% 3.75% Receive a notification when this rate changes
$1,000,000+ 3.69% 3.75% Receive a notification when this rate changes
Share Savings (Minimum to Open $5) 0.10% 0.10% Receive a notification when this rate changes
Secondary Shares (Minimum to Open $1.00) 0.10% 0.10% Receive a notification when this rate changes
  • 1APY = Annual Percentage Yield.

    Rates are variable and may change after the account is opened. Rate subject to change without notice. Fees may reduce earnings. The dividend period for these accounts 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 Way Checking required to open the Your Way Savings. **Premier Checking required to open the Premier Money Market.

    Please refer to the Disclosure for Personal Accounts for more information.

    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 Term Certificates
 Rates effective 10-26-2025
Dividend Rate APY1 Alert Me
Term Certificates (Minimum to Open $1,000.00) Receive a notification when this rate changes
3 Month 3.928% 4.00% Receive a notification when this rate changes
6 Month 3.687% 3.75% Receive a notification when this rate changes
9 Month 3.687% 3.75% Receive a notification when this rate changes
12 Month 3.445% 3.50% Receive a notification when this rate changes
18 Month 3.203% 3.25% Receive a notification when this rate changes
24 Month 3.203% 3.25% Receive a notification when this rate changes
30 Month 3.203% 3.25% Receive a notification when this rate changes
36 Month 3.445% 3.50% Receive a notification when this rate changes
48 Month 3.445% 3.50% Receive a notification when this rate changes
60 Month 3.445% 3.50% 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.

    Please refer to the Disclosure for Personal Accounts for more information.

    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 IRA Accounts
 Rates effective 10-26-2025
Dividend Rate APY1 Alert Me
IRA Share Savings* (Minimum to Open $1.00) 0.10% 0.10% Receive a notification when this rate changes
IRA Money Market* (Minimum to Open $2,000.00) Receive a notification when this rate changes
$2,000 - $9,999.99*** 0.10% 0.10% Receive a notification when this rate changes
$10,000 - $24,999.99 0.20% 0.20% Receive a notification when this rate changes
$25,000 - $49,999.99 0.25% 0.25% Receive a notification when this rate changes
$50,000 - $74,999.99 0.25% 0.25% Receive a notification when this rate changes
$75,000.00 + 0.35% 0.35% Receive a notification when this rate changes
IRA Certificates** (Minimum to Open $500.00) Receive a notification when this rate changes
6 Month 3.687% 3.75% Receive a notification when this rate changes
12 Month 3.445% 3.50% Receive a notification when this rate changes
18 Month 3.203% 3.25% Receive a notification when this rate changes
30 Month 3.203% 3.25% Receive a notification when this rate changes
60 Month 3.445% 3.50% Receive a notification when this rate changes
  • 1APY = Annual Percentage Yield. For these types of accounts, 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. Rate subject to change without notice. Fees may reduce earnings.

    **Early withdrawal penalties may apply. 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.

    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 Business Accounts
 Rates effective 10-26-2025
Dividend Rate APY1 Alert Me
Business Investment Account Receive a notification when this rate changes
$0.01 - $1,999.99 0.50% 0.50% Receive a notification when this rate changes
$2,000 - $9,999.99 1.00% 1.00% Receive a notification when this rate changes
$10,000 - $24,999.99 1.49% 1.50% Receive a notification when this rate changes
$25,000 - $49,999.99 1.98% 2.00% Receive a notification when this rate changes
$50,000. - $74,999.99 2.23% 2.25% Receive a notification when this rate changes
$75,000.00 + 3.928% 4.00% 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.

    Please refer to the Disclosure for Business Accounts for more information.

    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. ↵

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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