Hanscom Federal Credit Union offers two variations of CDs: the Easy Start and your Traditional Certificate of Deposit. Since my priorities lies on giving the best available rates from this credit union, we’ll be going more in-depth with their Traditional CDs. Currently, you can take advantage of a 3-month’s termed CD rated at 0.70% to a 60 Month at 2.10% APY. The minimum to open this account is $1,000. For this type of account, the dividend period is monthly and your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA). I urge you to read on because they offer something a little more unconventional from our typical CD reviews.
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Hanscom FCU CD Summary:
- Apply Now
- Account Type: CD account
- APY Rates:
- 0.70% – 3 to 5 Months
- 0.80% – 6 to 11 Months
- 1.00% – 11 Months (available with Premier Checking)
- 1.10% – 12 to 17 Month
- 1.30% – 18 to 29 Month
- 1.45% – 30-59 Month
- 1.50% – 48 Month (available with Premier Checking)
- 2.10% – 60 Month
- EasyStart (min. balance $250)
- 0.70% – 3, 6 or 12 months
- Availability: Nationwide
- Soft/Hard Pull: Soft Pull or Hard Pull? Let us know
- Minimum Balance Requirement: $1,000 for Traditional
- Additional Requirements: None
- Early Withdrawal Fee: If you close your account before dividends are paid, you will not receive the accrued dividend; Early withdrawal penalties may apply to certificates.
- Auto-Renewal: This account will not automatically renew at maturity.
Hanscom FCU Best CD Rates:
A quick glance at Hanscom Federal Credit Union and their Traditional CD rates, they don’t necessarily offer the best lower-termed CDs nor do they offer the best 5-year CD rates, however, they do offer tons of options and flexibility with their terms. One of the most exceptional rates that we’ve seen on their CD is prominently been ranked within our compiled list of Best 4-Year CD Rates. Easy membership is applicable with a Premier Checking account from them and the CD minimum opening is set at $1,000. Note that rates are always changing, which is why if you’re interested in getting a CD with them, you might want to hop on it as soon as possible. Again, I reiterate that this is the best available CD rate with regards to CD term. Laddering this rate is very much encouraged.
Hanscom FCU CD Account Features:
- Minimum opening deposit requirement of $1,000
- Flexible CD Terms up to 5 years
- Low-risk Investment
- Interest is compounded daily and credited monthly
- NCUA Insured up to $250,000
Hanscom Federal Credit Union doesn’t necessarily offer you the best rates on their lower termed CDs, nor do they offer the best 5-Year CD term rate with rates ranging from 3-month’s termed CD at 0.70% to a 60 Month at 2.10% APY, however, this shouldn’t dissuade you from looking into Hanscom Federal Credit Union because they currently have the best rated 4-year’s term CD rated at 2.50% APY. Exceptionally attractive rate given the term.
Note that you’d have to meet the minimum opening of $1,000 and open a Premier Checking account from them if you want to see such rates. Their CD account is still highly low-risk investments and you’ll be insured up to $250,000 by the NCUA. Be sure to also see our complete list of the Best National CD Rates for all your banking needs!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
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