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At the Turning Point of Dreams→Reality

Our credit union is committed to helping those in our community make big moves.

Create Pathways for New Possibilities

We offer a wide variety at low, affordable rates to fit every budget.  From financing a house or a car to simply needing more money for unexpected expenses, we’ve got you covered.

Vehicle Loans

Wheels are the way most of us get to work in Connecticut.

We want to help our members get on the road and get on with their day so that they can earn more and build towards their dreams. Our auto loans provide the solution you need to get a new or used car. Take advantage of our "Working Wheels" program to get extra benefits towards qualifying auto purchases, helping you ensure you can get to work reliably every single day.

Get There Faster

Our loan process is quick and simple.  Enjoy your car even more knowing that you have have a great loan rate and flexible terms.

You Work Hard, Now Play Hard

Recreational vehicle loans offer a less-stress way to pay for the fun boat, camper, trailer, or motor home you’ve always wanted.

Two Wheels, Infinite Roads

We can help you finance some or all of your next purchase of a new or used chopper, hog, racer, cruiser, or whatever else you’ve dreamed of riding on the open road.

Home Loans

Build Wealth. Make a Home for Yourself

Nutmeg State knows the feeling that comes with having a place to call your own. Whether you’re getting a new set of keys, improving your home, or borrowing against your hard-earned equity, we’re here to help our neighbors.

Home Equity Line of Credit

It’s your equity, and you earned it! Get credit for your castle to put towards improvements, vital expenses, or making other dreams come true.

Fixed Home Equity

Looking for a loan with a fixed interest rate (APR*) and set amount of money? Our fixed-rate second mortgage is probably for you!


Everything you need to put down roots. Friendly online services. Dedicated customer service. Competitive rates.

Home Refi Express

Let all your hard work pay off with a home refinance that let’s you pick your rate* and reduce your costs. It’s never been easier to make your home loan worry-free.

Go Green With Ease

Smart-E loans offer outstanding financing rates and flexible terms to help you make your home more energy efficient.

Peace of Mind

We’re all people, just like our members. We know that life is unpredictable. Our online services make it easy to keep up with every loan. Skip-a-payment lets you get a breather right when you need it most.

Personal Loans

Lines of Credit and Personal Loans with a Personal Touch

Unsecured loans to help your ideas come alive, and secured loans to borrow against your own balance at ultra-low rates and help your credit grow. Lines of credit enable you to borrow as-needed towards big purchases, necessary expenses, and everyday essentials.

Credit Cards

Put Your Neighborhood Credit Union in Your Pocketbook

Credit cards from Nutmeg State make it super easy to spend and earn, with bonus benefits from our loyalty program that make you the VIP.

No collateral required

Credit lines ranging from $500 to a maximum of $40,000


No balance transfer or cash advance fees (unlike other types of credit)

Pay in full at any time

Low minimum payments and no prepayment penalties

Overdraft protection

Easy and convenient access to money whenever you need it

Smart E-Loans

Upgrade your home’s energy performance

Increase the comfort and value of your home, lower energy costs and much more.

Smart-E offers:

Oil-to-Gas Conversions – Windows – Heating and Cooling – Solar PV with Battery Backup – Solar Hot Water – Geothermal