# Hanscom Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/hanscom-federal-credit-union
Institution: Hanscom Federal Credit Union (NCUA 9095)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:46.000Z (October 22, 2026)
Official source: https://www.hfcu.org/bank/savings-accounts/certificates.html
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $1,000 | 4.00% | Not ZIP-priced | −0.29% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Share Certificate | standard | 6 months | $1,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Share Certificate | standard | 9 months | $1,000 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Early Access Share Certificate | standard | 11 months | $1,000 | 4.00% | Not ZIP-priced | −0.54% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Share Certificate | standard | 12 months | $1,000 | 4.50% | Not ZIP-priced | −0.07% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Share Certificate | standard | 18 months | $1,000 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Share Certificate | standard | 24 months | $1,000 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Share Certificate | standard | 30 months | $1,000 | 4.25% | Not ZIP-priced | −0.66% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Share Certificate | standard | 36 months | $1,000 | 4.25% | Not ZIP-priced | −0.70% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Share Certificate | standard | 48 months | $1,000 | 4.25% | Not ZIP-priced | −0.73% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |
| Share Certificate | standard | 60 months | $1,000 | 4.25% | Not ZIP-priced | −0.76% | 2026-10-22T16:22:46.000Z | [Snapshot 363](https://apyledger.com/snapshots/363) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.