Credit union · NCUA insured
Hanscom Federal Credit Union Savings Rates
Top CarrotHanscom Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Secondary Shares. Rates checked October 15, 2026.
How Hanscom Federal Credit Union’s savings 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
1.25%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $125
Your Way Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Hanscom Federal Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier Money Market
0.50%APY
Premier Checking required to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Premier Checking required to open. | 0.50% | $50 | Premier Checking required to open. |
| $25,000 – $50,000Premier Checking required to open. | 1.50% | — | Premier Checking required to open. |
| $50,000 – $100,000Premier Checking required to open. | 2.50% | — | Premier Checking required to open. |
| $100,000 – $250,000Premier Checking required to open. | 3.25% | — | Premier Checking required to open. |
| $250,000 – $500,000Premier Checking required to open. | 3.25% | — | Premier Checking required to open. |
| $500,000 – $1,000,000Premier Checking required to open. | 3.50% | — | Premier Checking required to open. |
| $1,000,000 and upPremier Checking required to open. | 3.50% | — | Premier Checking required to open. |
Sources (2)
All captured Oct 15, 2026
Your Way Savings
1.25%APY
Your Way Checking required to open Your Way Savings. No monthly service fees or minimum balance. Dividends paid on balances of $0.01 or more. Multi-tiered rate structure with 14 tiers. Balance Boost automatic savings service available to transfer up to $1,500/month to share certificates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $200Your Way Checking required to open Your Way Savings. Monthly dividend period. | 0.20% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $200 – $400Your Way Checking required to open Your Way Savings. Monthly dividend period. | 0.30% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $400 – $750Your Way Checking required to open Your Way Savings. Monthly dividend period. | 0.40% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $750 – $1,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 0.50% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $1,000 – $2,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 0.60% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $2,000 – $4,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 0.70% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $4,000 – $6,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 0.80% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $6,000 – $8,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 0.90% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $8,000 – $10,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 1.00% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $10,000 – $20,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 1.25% | $125 | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $20,000 – $30,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 1.50% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $30,000 – $50,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 1.75% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $50,000 – $100,000Your Way Checking required to open Your Way Savings. Monthly dividend period. | 2.00% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
| $100,000 and upYour Way Checking required to open Your Way Savings. Monthly dividend period. | 2.25% | — | Your Way Checking required to open Your Way Savings. Monthly dividend period. |
Sources (3)
- hfcu.org/bank/checking-account…counts_and_services.html
- hfcu.org/rates/account-rates.html
- hfcu.org/content/docs/Schedule-of-Account-Fees.pdf
All captured Oct 5, 2026
Secondary Shares
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates are variable. Dividend period is monthly.Any balance | 0.10% | $10 | Rates are variable. Dividend period is monthly. |
Sources (2)
All captured Oct 5, 2026
Share Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates are variable. Dividend period is monthly.Any balance | 0.10% | $10 | Rates are variable. Dividend period is monthly. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Money Market
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.20% | $20 |
| $25,000 – $50,000 | 0.25% | — |
| $50,000 – $75,000 | 0.25% | — |
| $75,000 and up | 0.35% | — |
Sources (1)
- hfcu.org/rates/account-rates.html · captured Oct 15, 2026
IRA Share Savings
0.10%APY
Available as Traditional IRA, Roth IRA, SEP, or Educational IRA. Full flexibility, no risk, ideal to build balances under $2,000. No monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates are variable and may change after account opening. Dividend period is monthly.Any balance | 0.10% | $10 | Rates are variable and may change after account opening. Dividend period is monthly. |
Sources (3)
- hfcu.org/bank/savings-accounts/iras.html
- hfcu.org/rates/account-rates.html
- hfcu.org/content/docs/Schedule-of-Account-Fees.pdf
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.