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Rates Effective January 15, 2025 Rates are subject to change daily. Clear your cache or refresh your page to ensure the most up to date rates populate below.

First Mortgage Loans (Priced Daily)

For Mortgages Rates, click here.

Home Equity Line of Credit

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

Home Equity Line of Credit

7.50% (Variable)

84 Month Draw Period
120 Month Repayment

$12.14

HELOC APPLY

Property insurance is required for all Home Equity Lines of Credit (HELOCs). Additional terms, conditions, and eligibility requirements apply.

**APR = Annual Percentage Rate. This is a variable rate and is determined by the Wall Street Journal Prime Rate. APR may increase after closing due to changes in the prime rate. Maximum APR that may apply during the life of loan is 18%. Floor rate is 3%. Minimum line amount is $10,000. Seven-year draw/ten year repay. Offer available for 1–4-unit dwellings or condominiums in Connecticut that meet the guidelines. Approval will be based on your credit score and other factors. Prepayment penalties will apply if the loan is closed within the first 24 months. Maximum Loan to Value ratio (“CLTV”) of 90% applies. Interest may be tax deductible. Please consult your tax advisor. Subject to appraisal and credit approval. Offer may be withdrawn at any time. Other terms and conditions may apply. We are an equal housing 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)

Fixed Rate Second Mortgage

As low as: 6.00%

As low as: 6.25%

As low as: 6.25%

As low as: 6.50%

60 Months

84 Months

120 Months

180 Months

$19.34

$14.74

$11.23

$8.72

FIXED HOME EQUITY APPLY

***APR= Annual Percentage Rate. 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. Minimum loan amount is $10,000. Maximum term of the loan is five years at the advertised rate. Payment example: $10,000 loan at 6% APR at 60 months is equal to a monthly payment of $193.37. This payment does not include taxes or insurance. Your actual payment will be higher if escrow payments for property taxes and/or insurance are made in addition to the regularly scheduled loan payment. Other rates and terms are available. Offer available for 1–4-unit dwellings or condominiums in Connecticut that meet the guidelines. Offer does not apply to existing Nutmeg home equity loan balances. Other terms and conditions apply. Subject to appraisal and credit approval. Maximum Loan to Value ratio (“CLTV”) of 90% applies. Interest may be tax deductible. Please consult your tax advisor. Offer may be withdrawn at any time. Must be a member to qualify. We are an equal housing lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration. Our home equity loans are available for Connecticut properties only.

Smart E-Loans (Smart Energy Loans)

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

Smart E-Loan

6.99%
6.99%
6.99%
7.49%
7.99%
7.99%

60 Months
84 Months
120 Months
144 Months
180 Months
240 Months

$19.80
$15.09
$11.61
$10.03
$9.50
$8.50

For more information or to find eligible contractors click here.

APR**** = Annual Percentage Rate. 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.

Payment example: $10,000 loan at 6.99% APR for 60 months is equal to a monthly payment of $198.03. This example is an estimate only and assumes all payments are made on time.

Minimum loan amount is $1,000. No balloon payments. Offer is subject to credit approval. Must be a member to qualify. We are an equal opportunity lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration. Terms, conditions, and availability may change without notice.

Vehicle Loans

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

New Vehicle
Max age 1 years Max 5,000 miles

As low as 5.50%

Up to 84 Months

Apply Now

Used Vehicle
Max age 7 years
Max 100,000 miles

As low as 5.50%

Up to 84 Months

Apply Now

Motorcycle

As low as 5.50%

Up to 84 Months

Apply Now

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

As low as 6.00%

Up to 120 Months

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. Not all will qualify for the lowest rate. Rate advertised includes a discount of .25% for automatic payment from NSFCU account and a discount of .25% for a loan-to-value less than 80%. Subject to credit approval. We are an equal opportunity lender. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.

Terms of Repayment: All vehicle loans are repaid in equal monthly payments for the full term of the loan. Available terms are up to 84 months (7 years) for new, used, and motorcycle loans, and up to 120 months (10 years) for recreational vehicle loans. No balloon payments apply.

Payment Example – Vehicle Loan: A $10,000 vehicle loan with a 6.00% APR and a 60-month term would have an estimated monthly payment of $193.37.

Payment Example – Recreational Vehicle Loan: A $10,000 recreational vehicle loan with a 6.00% APR and a 60-month term would have an estimated monthly payment of $193.37.

This example is an estimate only and assumes all payments are made on time.

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 Cannot Exceed Term of Certificate

Unsecured

(Total cannot exceed $40,000)

As low as:
10.00% 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.

Terms of Repayment: All personal loans are repaid in equal monthly payments for the full term of the loan. Available terms are up to 60 months. No balloon payments apply.

Share Secured Example: A member with a savings rate of 0.10% may qualify for a Share Secured Loan with an APR as low as 2.60%. For a $10,000 loan with a 2.60% APR and 60-month term, the estimated monthly payment is $178.41.

Certificate Secured Example: A member with a certificate rate of 1.00% and a term of 24 months remaining may qualify for a Certificate Secured Loan with an APR as low as 3.50% for a term of up to 24 months. For a $10,000 loan with a 3.50% APR and 24-month term, the estimated monthly payment is $432.04.

This example is an estimate only and assumes all payments are made on time.

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.