Loan Rates - Nutmeg State Financial Credit Union Skip to main content

Loan Rates

Effective March 1, 2023

Ask us about refinancing your current mortgage at a lower rate. We can save you money! Call 860.513.5000 today!

First Mortgage (priced daily)

For Mortgages Rates, click here.

Home Refi Express

Term Annual Percentage Rate (APR) Monthly Payment (Per $1,000 Borrowed)

8 Years

As low as 6.25%

$13.26

12 Years

As low as 6.50%

$10.02

15 Years

As low as 7.00%

$8.99

20 Years

 

As low as 7.50%

$8.06

*APR = Annual Percentage Rate. Rates shown are subject to change without notice. The APR and monthly payment for your loan request will be based on your credit score and other factors. Your actual rate may be higher than the advertised rate depending on your individual credit score. Subject to credit approval.  Minimum loan amount of $10,000. Maximum loan amount of $400,000. Existing Nutmeg State FCU first mortgage loans are not eligible. First lien position with maximum loan-to-value of 90%. Eligible properties are owner occupied single family detached homes, condominiums and planned unit developments in Connecticut. Other terms and conditions may apply. We are an equal opportunity lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.

Home Equity Loans

Type of Loan Annual Percentage Rate (APR) Available Terms Monthly Payment (Per $1,000 Borrowed)

Home Equity Line of Credit

8.00% (Variable)

84 Month Draw Period
120 Month Repayment

*APR = Annual Percentage Rate. Rates shown are subject to change without notice. The APR and monthly payment for your loan request will be based on your credit score and other factors. Your actual rate may be higher than the advertised rate depending on your individual credit score. Subject to credit approval.  Minimum loan amount of $10,000. Maximum loan amount of $400,000. Maximum loan-to-value of 90%. Eligible properties are owner occupied single family detached homes, condominiums and planned unit developments in Connecticut. Other terms and conditions may apply. We are an equal opportunity lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.

Type of Loan Annual Percentage Rate (APR) Available Terms Monthly Payment (Per $1,000 Borrowed)

Fixed Rate Second Mortgage

As low as: 6.00%

As low as: 6.25%

As low as: 6.50%

As low as: 7.25%

60 Months

84 Months

120 Months

180 Months

$19.33

$14.73

$11.35

$9.13

Smart E-Loans (Smart energy loan).  Current rates are:

60   Month 4.49%
84   Month 4.99%
120 Month 5.99%

For more information of to find eligible contractors click here.

*APR = Annual Percentage Rate. Rates shown are subject to change without notice. The APR and monthly payment for your loan request will be based on your credit score and other factors. Your actual rate may be higher than the advertised rate depending on your individual credit score. Subject to credit approval.  Minimum loan amount of $10,000. Maximum loan amount of $400,000. Maximum loan-to-value of 90%. Eligible properties are owner occupied single family detached homes, condominiums and planned unit developments in Connecticut. Other terms and conditions may apply. We are an equal opportunity lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.

Vehicle Loans

Type of Loan Current Rate (APR)

New Vehicle*
Max age 1 years Max 5,000 miles

As low as 5.25%

Apply Now

Used Vehicle*
Max age 7 years
Max 100,000 miles

As low as 5.25%

Apply Now

Motorcycle*

As low as 5.75%

Apply Now

Recreational*
(includes Boats, RV’s, Tow-behind & Travel Trailers)

As low as 6.00%

Apply Now

Financing based on NADA Average Retail Value. Includes Tax, Title and Warranty.

 * APR = Annual Percentage Rate. Rates shown are subject to change without notice. The APR and monthly payment for your loan request will be based on your credit score and other factors. Your actual rate may be higher than the advertised rate depending on your individual credit score. Subject to credit approval. We are an equal opportunity lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.

Personal Loans

Type of Loan Current Rate (APR)* Available Terms Additional Factors

Share Secured

Varies with Share Rate

60 Months

120 Months

Borrow at 2.50% or 3.50% above current savings rates

Certificate Secured

2.50%
Over Certificate Rate

See Additional Factors

Maximum Term of Loan Can Not Exceed Term of Certificate

Unsecured

(Total cannot exceed $40,000)

As low as:
9.99% APR*

Apply Now

Education Loan

9.75% APR*

Apply Now

* APR = Annual Percentage Rate. Rates shown are subject to change without notice. The APR and monthly payment for your loan request will be based on your credit score and other factors. Your actual rate may be higher than the advertised rate depending on your individual credit score. Subject to credit approval. We are an equal opportunity lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.

MasterCard® Credit Card

MasterCard® Credit Card With Reward Points

Non-variable rates 12.95% – 17.95% APR*

Apply Now 

*APR = Annual Percentage Rate. Rates shown are subject to change without notice. The APR and monthly payment for your loan request will be based on your credit score and other factors. Your actual rate may be higher than the advertised rate depending on your individual credit score. Subject to credit approval. We are an equal opportunity lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.

Moneyline Line of Credit

Type of Loan Current Rate (APR)* Additional Factors

Moneyline Line of Credit

 

14.00%

Credit lines range from $500 to a maximum of $40,000.
No collateral required.

Apply Now

*APR = Annual Percentage Rate. Rates shown are subject to change without notice. The APR and monthly payment for your loan request will be based on your credit score and other factors. Your actual rate may be higher than the advertised rate depending on your individual credit score. Subject to credit approval. We are an equal opportunity lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.