Credit union · NCUA insured
Hanscom Federal Credit Union CD Rates
Top CarrotHanscom Federal Credit Union’s best CD rate is 4.50% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Hanscom Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Hanscom Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Term Certificates
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Hanscom Federal Credit Union CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Hanscom Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Certificates
Up to 4.50%APY · 10 terms
Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 4.00% | $99 |
| 6 months | 4.00% | $198 |
| 9 months | 4.00% | $299 |
| 12 months | 4.50% | $450 |
| 18 months | 4.25% | $644 |
| 24 months | 4.25% | $868 |
| 30 months | 4.25% | $1,097 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
Sources (2)
All captured Oct 5, 2026
Early Access Certificate
4.00%APY · 1 term
Includes a special penalty-free offer after six days of opening, not available for rollover at maturity. When this Certificate matures, the funds and dividends will automatically be renewed to the next shortest-Term Certificate offered, which may include withdrawal penalties. You can prevent renewal if you mail notice to us at least 30 calendar days before maturity. Minimum deposit to open is $1,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsPenalty-free withdrawal allowed after six days of opening. Automatically renews at maturity to next shortest-Term Certificate offered unless 30 days notice is given | 4.00% | $366 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 5 terms
Minimum deposit to open is $500.00. Dividend period is monthly. Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.50% | $450 |
| 18 months | 4.25% | $644 |
| 30 months | 4.25% | $1,097 |
| 60 months | 4.25% | $2,313 |
Sources (2)
All captured Oct 5, 2026
Who can join Hanscom Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to employees, volunteers, and retirees of companies offering Hanscom FCU as a benefit.
- Membership is available to members of Hanscom FCU partner organizations.
Military, government and schools
- Membership is open to active or retired employees of the federal government in Massachusetts.
- Membership is open to active duty or retired military personnel.
Family and household
- Membership is open to individuals who have an immediate family member who is a current member.
Other ways
- Existing members may open additional accounts.
Membership information collected October 5, 2026.