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 |
$12.14 |
**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 Offer may be withdrawn at any time.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 |
***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 |
---|---|---|
Smart E-Loan |
6.99% |
60 Months |
For more information of to find eligible contractors click here.
Vehicle Loans
Type of Loan | Current Rate (APR)**** | |
---|---|---|
New Vehicle |
As low as 5.50% |
|
Used Vehicle |
As low as 5.50% |
|
Motorcycle |
As low as 5.50% |
|
Recreational |
As low as 6.00% |
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.
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% |
See Additional Factors |
Maximum Term of Loan Can Not Exceed Term of Certificate |
Unsecured (Total cannot exceed $40,000) |
As low as: |
||
****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**** |
****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. |
****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.