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Rate Information Dividend Rate APY Rate*
Regular Share 0.05% 0.05%
Special Share 0.05% 0.05%
Holiday Club 0.05% 0.05%
Vacation Club 0.05% 0.05%
Account Balance Requirements Dividend Rate APY*
Money Market Checking $1,000 or Higher 0.10% 0.10%
High Yield Money Market $0 – $2,499 0.00% 0.00%
$2,500 – $24,999.99 0.15% 0.15%
$25,000 – $74,999.99 0.20% 0.20%
$75,000 – $99,999.99 0.35% 0.35%
$100,000 or Higher 0.50% 0.50%
IRA $5/$100 to earn APY* 0.05% 0.05%
HSA  Balance under $2,500 0.40% 0.40%
$2,500“$5,000 0.50% 0.50%
Balance over $5,000 0.60% 0.60%
Regular Checking $100 to open 0.00% 0.00%
Student Checking $50 to open 0.00% 0.00%
Share Certificates
Term Balance Requirements Dividend Rate APY
90 Days $1,000 0.20% 0.20%
6 Months $1,000 0.30% 0.30%
12 Months $1,000 0.50% 0.50%
18 Months $1,000 0.60% 0.60%
24 Months $1,000 0.70% 0.70%
30 Months $1,000 0.75% 0.75%
36 Months $1,000 0.80% 0.80%
48 Months $1,000 0.80% 0.80%
60 Months $1,000 0.90% 0.90%
Jumbo Share +$50,000 0.25% above dividend rate

*APY = Annual Percentage Yield. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.  The penalties imposed are set forth on your Additional Terms and Disclosures Certificate or Renewal Notice.

 = We no longer offer this product.

Loan Type Terms APR*
Home Equity Line of Credit (HELOC) 300 Months 3.25%1
Secondary Residence and Investment Property (HELOC) 180 Months 4.25%2
Loan Type Min Loan Terms APR*

Home Equity (Fixed Rate, 80% Financing)

Sample Monthly Payment = $18.19 per $1,000 borrowed for 5 years.

$15,000 1-5 Years 3.75%3

Home Equity (Fixed Rate, 80% Financing)

Sample Monthly Payment = $10.13 per $1,000 borrowed for 10 years.

$20,000 6-10 Years 4.00%3

Home Equity (Fixed Rate, 80% Financing)

Sample Monthly Payment = $7.66 per $1,000 borrowed for 15 years.

$25,000 11-15 Years 4.50%3
Loan Type Min Loan Terms APR*

Home Equity (Fixed Rate, 100% Financing)

Payments are $121.32 per month on a $10,000 loan at 8.00% APR for 10 year term.

$10,000 1-10 Years 8.00%3

*APR = Annual Percentage Rate. Rates are subject to change without notice.

1 The APR is a variable rate based on the Wall Street Journal™s Prime Rate minus 0.50%. As of 3/15/20, Prime Rate is 3.25% for an effective APR of 3.25%. The APR will never go below 3.25% APR and the maximum is 18.00% APR.The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (LTV) is 80% of market value. Minimum line of credit amount is $10,000. Maximum line of credit is $250,000 . Minimum credit advance is $300. No application fee, no closing costs, no annual fee, however, third party fees may need to be reimbursed if the loan is closed within the first 24 months. CT owner-occupied properties only. Programs, rates, terms, and conditions are subject to change and may be withdrawn without notice. Other terms and conditions may apply.

2The APR is a variable rate based on the Wall Street Journal™s Prime Rate plus 1.00%. As of 3/15/20, Prime Rate is 3.25% for an effective APR of 4.25%. The APR will never go below % APR and the maximum is 18.00%. The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (LTV) is 70% of market value. Minimum line of credit amount is $10,000. Maximum line of credit is $250,000 . Minimum credit advance is $300. No application fee, no closing costs, no annual fee, however, third party fees may need to be reimbursed if the loan is closed within the first 24 months. CT properties only. Programs, rates, terms, and conditions are subject to change and may be withdrawn without notice. Other terms and conditions may apply.

3No application fee. No annual fees. Closing costs will be charged if loan is paid and closed before two years. Available on primary member residences, secondary residences, and investment property (single-family, condos or townhouses). Some restrictions may apply. $250 Appraisal Fee will be charged for over 80% financing. Available on primary member residences, secondary residences, and investment property (single-family, condos or townhouses). Some restrictions may apply.

Loan Type Term APR*
New Car 1-72 Months As low as 2.25%1
Used Car (1-5 Years) 1-72 Months As low as 2.50%1
Used Car (6-8 Years) 1-48 Months As low as 3.75%1
Used Car (9-10 Years) 1-36 Months As low as 5.25%1
New Motorcycle 1-60 Months As low as 4.25%1
Used Motorcycle 1-60 Months As low as 5.25%1

 

Card Type Maximum Credit Limit APR**
Visa Platinum $10,000* 6.25% to 12.25%2
VISA Platinum Rewards (with CU Rewards Program) $25,000* 9.25% to 15.25%2
VISA Platinum Secured (credit limit secured by special savings deposit) $5,000* 6.25% to 12.25%2

 

Loan Type Terms APR*
Signature (Unsecured) 12-60 Months As low as 6.99%**
Unsecured Home Improvement 12-84 Months As low as 8.49%**
Share Secured (Regular Shares) 1-60 Months 4.50%
Certificate Secured 1-60 Months CD Rate + 2.00%

*APR = Annual Percentage Rate. 1 Rates are subject to change without notice. Rates based on terms and credit worthiness. “As Low as” reflects shortest term and A+ credit. ** Signature Loan Rates based on terms and credit worthiness. Other terms and rates available. 2Rates may vary and are subject to change without notice. As of March 20, 2020, credit card rates are effective on all purchases, balance transfers, and cash advances. Payments do not include taxes and insurance. 0.00{% Introductory APR for a period of 12 billing cycles on balance transfers made within the first thirty days after receiving your new Visa. After that, your APR will be 6.25 to 15.25%, based on card program and creditworthiness. This APR will vary with the market based on the Prime Rate. A Balance Transfer Fee of $25 or 3.00%, whichever is greater, will be applied to each balance transfer. Credit card approval depends on creditworthiness and other qualifications.

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