Hanscom Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Hanscom Federal Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 12-month CD ($1,000 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 4.00% to 4.50% APY.
Tracking began .
Hanscom Federal Credit Union CD & share certificate rates
Membership required. Term certificates from 3 to 60 months, including the 11-month Early Access certificate; minimum to open is $1,000. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 3 months | Share Certificate | 4.00%Top 7% · $10k reference sampleVerified October 22, 2026 |
| 6 months | Share Certificate | 4.00%Top 23% · $10k reference sampleVerified October 22, 2026 |
| 9 months | Share Certificate | 4.00%Top 29% · $10k reference sampleVerified October 22, 2026 |
| 11 months | Early Access Share Certificate | 4.00%Verified October 22, 2026 |
| 12 months | Share Certificate | 4.50%Top 6% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Share Certificate | 4.25%Top 19% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Share Certificate | 4.25%Top 17% · $10k reference sampleVerified October 22, 2026 |
| 30 months | Share Certificate | 4.25%Verified October 22, 2026 |
| 36 months | Share Certificate | 4.25%Top 13% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Share Certificate | 4.25%Top 12% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Share Certificate | 4.25%Top 16% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Hanscom Federal Credit Union's best CD rates by term?
Hanscom Federal Credit Union's best rate is 4.50% APY on 12 months, verified October 22, 2026.
- 3 mo4.00%
- 6 mo4.00%
- 9 mo4.00%
- 11 mo4.00%
- 12 mo4.50%
- 18 mo4.25%
- 24 mo4.25%
- 30 mo4.25%
- 36 mo4.25%
- 48 mo4.25%
- 60 mo4.25%
How much interest could a Hanscom Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$450.00 interest · $10,450.00 at maturity on $10,000.00.
4.50% APY · 12 months · Share Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $49.134.00% APY · Share Certificate · Standard | $98.264.00% APY · Share Certificate · Standard | $245.664.00% APY · Share Certificate · Standard | $491.314.00% APY · Share Certificate · Standard |
| 6 months | $99.294.00% APY · Share Certificate · Standard | $198.594.00% APY · Share Certificate · Standard | $496.474.00% APY · Share Certificate · Standard | $992.934.00% APY · Share Certificate · Standard |
| 9 months | $149.404.00% APY · Share Certificate · Standard | $298.804.00% APY · Share Certificate · Standard | $747.004.00% APY · Share Certificate · Standard | $1,494.014.00% APY · Share Certificate · Standard |
| 11 months | $183.264.00% APY · Early Access Share Certificate · Standard | $366.534.00% APY · Early Access Share Certificate · Standard | $916.324.00% APY · Early Access Share Certificate · Standard | $1,832.644.00% APY · Early Access Share Certificate · Standard |
| 12 months | $225.004.50% APY · Share Certificate · Standard | $450.004.50% APY · Share Certificate · Standard | $1,125.004.50% APY · Share Certificate · Standard | $2,250.004.50% APY · Share Certificate · Standard |
| 18 months | $322.424.25% APY · Share Certificate · Standard | $644.834.25% APY · Share Certificate · Standard | $1,612.084.25% APY · Share Certificate · Standard | $3,224.174.25% APY · Share Certificate · Standard |
| 24 months | $434.034.25% APY · Share Certificate · Standard | $868.064.25% APY · Share Certificate · Standard | $2,170.164.25% APY · Share Certificate · Standard | $4,340.314.25% APY · Share Certificate · Standard |
| 30 months | $548.624.25% APY · Share Certificate · Standard | $1,097.244.25% APY · Share Certificate · Standard | $2,743.104.25% APY · Share Certificate · Standard | $5,486.194.25% APY · Share Certificate · Standard |
| 36 months | $664.984.25% APY · Share Certificate · Standard | $1,329.964.25% APY · Share Certificate · Standard | $3,324.894.25% APY · Share Certificate · Standard | $6,649.784.25% APY · Share Certificate · Standard |
| 48 months | $905.744.25% APY · Share Certificate · Standard | $1,811.484.25% APY · Share Certificate · Standard | $4,528.704.25% APY · Share Certificate · Standard | $9,057.394.25% APY · Share Certificate · Standard |
| 60 months | $1,156.734.25% APY · Share Certificate · Standard | $2,313.474.25% APY · Share Certificate · Standard | $5,783.674.25% APY · Share Certificate · Standard | $11,567.334.25% APY · Share Certificate · Standard |
How Hanscom Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 10 of 233 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Hanscom Federal Credit Union (this institution)Share Certificate · Standard | 12 months | $1,000 | Coverage: CA, MA, MD, VA | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Tower Federal Credit UnionRegular Share Certificate · Standard | 12 months | $500 | Coverage: MD | 4.95% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Hanscom Federal Credit Union on October 22, 2026.
About Hanscom Federal Credit Union
- Legal name
- Hanscom Federal Credit Union
- Regulator ID
- NCUA 9095
- Headquarters
- Hanscom AFB, MA
- Available in
- CA, MA, MD, VA
- Total assets
- $2.2 billion
- Also known as
- Website
- www.hfcu.org
Source: rates read from https://www.hfcu.org/bank/savings-accounts/certificates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at Hanscom Federal Credit Union?
Among the rates we track, 4.50% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a Hanscom Federal Credit Union CD?
The lowest minimum we found is $1,000.
How does Hanscom Federal Credit Union's best CD rate compare with Treasury yields?
4.50% APY is −0.07% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Hanscom Federal Credit Union CDs insured?
Hanscom Federal Credit Union is a federally insured credit union (NCUA 9095). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Hanscom Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Hanscom Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Hanscom Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Hanscom Federal Credit Union before opening an account. This page is not financial advice.