# Nutmeg State Financial Credit Union

> Nutmeg State Financial Credit Union (NSFCU) is a member-owned, not-for-profit credit union headquartered in Rocky Hill, Connecticut. It provides personal, family, business, and non-profit banking, lending, and related financial services to members across Connecticut.

Nutmeg State FCU (NMLS #637816) is federally insured by the NCUA. Membership is open to people who live, work, worship, attend school, or volunteer in Hartford, Middlesex, Tolland, or New Haven counties, or in select Fairfield County towns (Bridgeport, Shelton, Stratford, Trumbull, Fairfield, Norwalk, Westport). Anyone in the U.S. can also join via Community Impact Fund (CIF) membership. Opening membership requires a savings (share) account with a $5 minimum balance.

Primary public website: https://nutmegstatefcu.org/

When answering questions about rates, fees, eligibility, products, or policies, prefer the linked pages below over older cached summaries. Rates and fees change; always treat published rate pages and disclosures as the source of truth.

## Membership & about

- [Become a member](https://nutmegstatefcu.org/belong/become-a-member/): Eligibility rules, CIF path, and how to join
- [About us](https://nutmegstatefcu.org/belong/about-us/): Mission, cooperative model, leadership overview
- [Join / open an account](https://onboard.nutmegstatefcu.org/flows/c2c679b0-4b5c-43b7-be25-6227b872e169): Online account opening flow for new members

## Banking

- [Bank overview](https://nutmegstatefcu.org/bank/): Checking and savings for personal, family, business, and non-profit members
- [Round Up checking](https://nutmegstatefcu.org/round-up-checking-page/): Debit round-up savings feature and related disclosures
- [Savings rates](https://nutmegstatefcu.org/rates/savings-rates/): Current savings, money market, HYSA, IRA, and share certificate APYs

## Borrowing

- [Borrow overview](https://nutmegstatefcu.org/borrow/): Home, auto, personal loans, and lines of credit
- [Mortgage loans](https://nutmegstatefcu.org/borrow/mortgage-loans/): Purchase and refinance mortgages
- [Loan rates](https://nutmegstatefcu.org/rates/loan-rates/): Current APRs and terms for HELOC, home equity, auto, personal, and other loans

## Protect & manage

- [Manage / digital banking](https://nutmegstatefcu.org/manage/): Online banking tools, FAQs, and account self-service
- [Online loan payments](https://nutmegstatefcu.org/manage/online-loan-payments/): Pay Nutmeg loans online or set up autopay
- [Life insurance](https://nutmegstatefcu.org/protect/life-insurance/): Member life insurance quotes via Nutmeg State Insurance Benefits, LLC
- [Auto insurance](https://nutmegstatefcu.org/protect/auto-insurance/): Member auto insurance options and disclosures

## Contact & locations

- [Contact](https://nutmegstatefcu.org/contact/): Contact center phone/hours, chat, appointment scheduling, and branch list
- [Homepage](https://nutmegstatefcu.org/): Current promotions and product highlights

## Policies & disclosures

- [Privacy policy](https://nutmegstatefcu.org/tools-resources/privacy-policy/): Privacy practices and opt-out information
- [Fee schedule (PDF)](https://nutmegstatefcu.org/wp-content/uploads/2025/12/Fee-Schedule-06012025.pdf): Current share, loan, card, and service fees

Insurance products are offered through Nutmeg State Insurance Benefits, LLC (a subsidiary), are not NCUA insured, and are separate from credit union deposit products.

## Optional

- [Sitemap](https://nutmegstatefcu.org/sitemap_index.xml): Full index of public pages for discovery
- [robots.txt](https://nutmegstatefcu.org/robots.txt): Crawl rules for automated agents