Lock in a competitive rate on a share certificate at Peoples Powered by HFCU.
EARN UP TO 4.50% APY*
Spread the news and share the wealth. Tell your friends about our 12-month Share Certificate Special.
What Makes a Certificate Such a Great Way to Save?
- Lock in a guaranteed rate over a fixed period of time
- Low minimum investment of $500
- Terms from 3 months to 5 years
- With daily compounding dividends, you will earn dividends on your dividends.
Whether you call the Certificates, Share Certificates, or Certificate Accounts, your savings will come out ahead!
*APY = Annual percentage yield
Lock in a competitive rate on a share certificate from Peoples Powered by Hanscom FCU today!
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Share Certificate Rates
| Account Type | Minimum Required Balance to Earn Dividend | Dividend Rate | APY* | Penalty |
|---|---|---|---|---|
| 3 Month | $500.00 | 3.92% | 4.00% | Loss of 90 days' dividends |
| 6 Month | $500.00 | 3.92% | 4.00% | Loss of 90 days' dividends |
| 9 Month | $500.00 | 3.92% | 4.00% | Loss of 90 days' dividends |
| 12 Month | $500.00 | 4.40% | 4.50% | Loss of 90 days' dividends |
| 18 Month | $500.00 | 4.16% | 4.25% | Loss of 180 days' dividends |
| 24 Month | $500.00 | 4.16% | 4.25% | Loss of 180 days' dividends |
| 36 Month | $500.00 | 4.16% | 4.25% | Loss of 180 days' dividends |
| 48 Month | $500.00 | 4.16% | 4.25% | Loss of 180 days' dividends |
| 60 Month | $500.00 | 4.16% | 4.25% | Loss of 180 days' dividends |
Special Share Certificates
Our special share certificates do not have tiered rates:
Golden Year Certificate (60-month) — minimum balance of $5,000.00; 1 withdrawal allowed (loss of 180 days' dividends for each additional withdrawal)
Special Share Certificates Rates
| Account Type | Minimum Required Balance to Earn Dividend | Dividend Rate | APY* | Penalty |
|---|---|---|---|---|
| 60 Month Golden Year Share Certificate (must be 62 years of age or older) |
$5,000.00 | 3.92% | 4.00% | No penalty for 1 withdrawal. Each additional withdrawal incurs a penalty equal to 180 days' dividends. |