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EXTENDED! 3 Banking Awesome Holiday Offers! EXTENDED! Take advantage of 3 EXTRA special promotions this holiday season!
6.99% APR Personal Loan* Click to Apply
Double Rewards Points for VISA Credit Cards** Click to Learn More
$300 Cash Back Auto Refinance Special*** Click to ApplyTake advantage of these offers at any of our branch locations or online.
*APR = Annual Percentage Rate. The APR and monthly payment for your loan request will be based on your credit score and loan term. Your actual rate may be higher than the advertised rate depending on your individual credit score and desired loan term. The advertised rate of 6.99% APR is for a 36 month loan term and includes a 0.50% rate discount for automatic payment from a Nutmeg checking account or for opening a First Choice Checking account. Other terms and rates are available, maximum loan term 60 months. Sample monthly payment per $1,000 borrowed for 36 months at 6.99% APR = $30.87. Maximum loan amount is $20,000. Offer valid from November 28, 2014 through December 31, 2014 only. Loan closing must occur on or before December 31, 2014. **VISA reward points for purchases made between November 17, 2014 through December 22, 2014 will be earned at double the normal rate. Qualified purchases include purchases of goods and services, but do not include any returns or refunds, balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, interest, unauthorized or fraudulent charges, or fees of any kind, including late fees. Other restrictions may apply. Offer valid for new and existing cardholder accounts in good standing only. No delinquency, late payments or charge-off accounts. ***$300.00 refinancing bonus will be deposited to your Savings Account at loan closing. Offer valid from November 28, 2014 through December 31, 2014 only. Loan closing must occur on or before December 31, 2014. The $300.00 bonus is considered interest and will be reported on IRS Form 1099-INT. Minimum $10,000 loan refinance to qualify for bonus. Offer not valid for vehicle loans currently financed by Nutmeg State Federal Credit Union. Offer excludes commercial vehicles, recreational vehicles, watercraft and motorcycles. All offers subject to change or end without notice at any time. All applications are subject to credit approval. We are an equal opportunity lender. Other terms and conditions may apply. Cannot be combined with any other offers. Nutmeg State Federal Credit Union is federally insured by the National Credit Union Administration.
Branch Holiday Closings We will be closed for in observance of the Christmas and New Year's holidays:
- Early Closing Christmas Eve – Closing at 2:00 p.m., Wednesday, 12/24/2014
- Closed Christmas Day - Thursday, 12/25/2014
- Early Closing New Year’s Eve – Closing at 2:00 p.m., Wednesday, 12/31/2014
- Closed New Years Day - Thursday, 01/01/2015
Earn Double VISA Rewards Points This Holiday Season
Double Rewards PointsEarn double rewards points on VISA Credit Card purchases this holiday season (now through December 22, 2014)*. Don't have a card yet? Applying is easy. Click here for a printable application, call 860.513.5000 or visit any of our branches. Interested in saving money by transferring existing balances to your Nutmeg card? Take advantage of our low balance transfer rate of 1.99% APR**. Call 1.800.654.7728 or log in to e-Banking to transfer your balances now. Click here for more information about our balance transfer promotion. *VISA REWARD POINTS FOR PURCHASES MADE BETWEEN NOVEMBER 17, 2014 THROUGH DECEMBER 22, 2014 WILL BE EARNED AT DOUBLE THE NORMAL RATE. QUALIFIED PURCHASES INCLUDE PURCHASES OF GOODS AND SERVICES, BUT DO NOT INCLUDE ANY RETURNS OR REFUNDS, BALANCE TRANSFERS, CASH ADVANCES, CASH-LIKE CHARGES SUCH AS TRAVELERS CHECKS, FOREIGN CURRENCY, AND MONEY ORDERS, INTEREST, UNAUTHORIZED OR FRAUDULENT CHARGES, OR FEES OF ANY KIND, INCLUDING LATE FEES. OTHER RESTRICTIONS MAY APPLY. OFFER VALID FOR NEW AND EXISTING CARDHOLDER ACCOUNTS IN GOOD STANDING ONLY. NO DELINQUENCY, LATE PAYMENTS OR CHARGE-OFF ACCOUNTS. **APR = ANNUAL PERCENTAGE RATE. TRANSFER FROM ONE OR MORE HIGH INTEREST RATE CREDIT CARDS TO OUR LOW RATE CREDIT CARD. $500 MINIMUM BALANCE TRANSFER REQUIRED. PROMOTIONAL RATES ARE GOOD FOR 6 MONTHS FROM THE DATE OF EACH INDIVIDUAL TRANSFER DURING THE PROMOTIONAL PERIOD. HIGHEST INTEREST DEBT WILL BE PAID FIRST. BALANCE TRANSFER PROMOTIONAL PERIOD RUNS FROM 05.15.2014-01.31.2015. THERE ARE NO BALANCE TRANSFER FEES. BALANCE TRANSFERS POST AS A CASH ADVANCE. RATES ARE GOOD ON NEW BALANCES FROM OTHER FINANCIAL INSTITUTIONS ONLY, FOR BOTH EXISTING CARDHOLDER ACCOUNTS AND NEW ACCOUNTS. NEW MONEY ONLY. OFFER VALID FOR ACCOUNTS IN GOOD STANDING ONLY. NO DELINQUENCY, LATE PAYMENTS OR CHARGE-OFF ACCOUNTS. ALL APPLICATIONS ARE SUBJECT TO CREDIT APPROVAL. WE ARE AN EQUAL OPPORTUNITY LENDER. NUTMEG STATE FEDERAL CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION.
Fall Home Improvements Just in Time for Winter For many homeowners fall is a time to get ready for winter by improving the energy efficiency of their homes with new windows, updated insulation or a new energy-efficient heating system. For most homeowners, borrowing with home equity loans is a great way to finance home repairs and improvements, as well as for other personal expenses. Click here to learn more about Home Equity Loans and Home Equity Lines of Credit. If you are improving the energy performance of your home, you may qualify for a Smart-E Loan. Click here to find out more about our Smart-E Loan program.
Earn 4.99% APY with First Choice Checking! Our First Choice Checking is designed for our members who want to earn interest on their Checking account balances. Take advantage of 4.99% APY* interest on checking balances up to $10,000.00 and 0.01% APY for balances greater than $10,000.00. In order to receive monthly interest bonus, you must have a Debit Card and be enrolled in e-Statements. Plus, you must also have any 2 of the following:
- VISA® Credit Card
- Consumer Loan
- Money Market, IRA or Share Certificate
- ID Theft Program
- At least 12 debit card transactions per month
- At least 7 electronic transactions – ACH, e-Pay, e-Banking, Direct Deposit
- 0.25% APY increase on new and renewed certificates (minimum 1 year)
- 0.50% APR discount on new consumer loans
- Member Referral Program – We’ll give you $25 when you refer a friend or family member to the credit union
*APY = Annual Percentage Yield. In order to receive the interest bonus on the First Choice Checking accountholder must have a debit card and be enrolled in e-Statements; plus have 2 of the following: A VISA® Credit Card, consumer loan, a mortgage, a qualified savings product (Money Market account, IRA or Share Certificate), or be enrolled in the ID Theft program (VISA® or Moneyline Line of Credit must have $1000.00 balance or greater at end of calendar month to qualify); plus perform 1 of the following: At least 12 debit card transactions per month or at least 7 electronic transactions – can include ACH, e-Pay, e-Banking, or Direct Deposit. Qualified transactions must post to the account during the monthly statement cycle. If each of these requirements is met at the end of the month, the interest bonus will be deposited at the beginning of the following month. Interest will be calculated based on the average daily balance method and will be paid at the rate of 4.99% APY for balances up to $10,000.00 and 0.01% APY for balances greater than $10,000.00. May be subject to 1099 reporting. Rewards and rebates will be paid on a per account basis. Only one account per member number. Rates are determined by the Board of Directors and are subject to change at any time without notice. Other terms and conditions may apply. Nutmeg State Federal Credit Union is federally insured by the National Credit Union Administration.
VISA Balance Transfer Special – Transfer and Save!
Transfer & SaveSave money when you transfer balances from your high rate credit cards to our VISA® Credit Card. Take advantage of our low balance transfer rate of 1.99%APR*. Call 1.800.654.7728 or log in to e-Banking to transfer your balances now. Click here to calculate how much money you will save by transferring your balances. Don't have a card yet? Applying is easy. Click here for a printable application, call 860.513.5000 or visit any of our branches.
* APR = Annual Percentage Rate. Transfer from one or more high interest rate credit cards to our low rate credit card. $500 minimum balance transfer required. Promotional rates are good for 6 months from the date of each individual transfer during the promotional period. Highest interest debt will be paid first. Balance Transfer promotional period runs from 05.15.2014-01.31.2015. There are no balance transfer fees. Balance transfers post as a cash advance. Rates are good on new balances from other financial institutions only, for both existing cardholder accounts and new accounts. New money only. Offer valid for accounts in good standing only. No delinquency, late payments or charge-off accounts. All applications are subject to credit approval. We are an equal opportunity lender. Nutmeg State Federal Credit Union is federally insured by the National Credit Union Administration.
Refer Family and Friends and You’ll Both Get Paid! Tell your family and friends about all the benefits of banking with Nutmeg, and we'll give you both $25! Refer up to four different people get paid each time. The process is simple. If you refer someone who opens a Checking account with full Direct Deposit and e-Statements. Be sure to use this form so we know who to pay, click here to print copies.
Lunch and Learn Financial Workshops Lunch and Learn Financial Workshops Good financial education leads to good financial decision-making. That's why we offer FREE onsite financial workshops to our local Business partners. We can provide your company with quick, effective Lunch and Learn training sessions, designed to help you improve your financial life…all while you have lunch. There are no sales pitches, just information on topics that matter to you, like:
- Identity Theft: Who's in your Wallet?
- Unlocking the Path to Buying a Home
- Solving the Mystery of Credit Reporting
- Financial Peace of Mind: How to Build a Basic Budget
- The Benefits of Nutmeg State Federal Credit Union
Savings Challenge – Save Each Week and Enter to Win! Deposit each week into your Savings Challenge Account and be entered to win 2 prizes for $250. Save in increasing increments ($1 week 1, $2 week 2, etc) for the whole year, and by the end of the year, you'll have $1,378! We'll even enter you to win one of 2 $250 prizes. The first drawing will be on June 30, 2014 and the second on December 1, 2014*. Use this special Savings Challenge sheet to help track your increasing deposits. If you are not yet a member, click here to open your new accounts. *No purchase necessary to enter to win. All Savings Challenge account holders are eligible to enter drawings. Account must be opened before June 30, 2014 to enter to win the first drawing and by December 1, 2014 to enter to win the second drawing. Entry is automatic when Savings Challenge account is opened and funded. Offer can be withdrawn and discontinued at any time without notice. Other terms and conditions may apply.
Important Information about the Target Security Breach Target has notified the public of a credit and debit card data breach across the United States. The breach occurred between November 27, 2013 and December 15, 2013 for purchases made inside Target stores. If you shopped Target online, you will not be affected. If you used your Nutmeg credit or debit card between the dates listed, you may have been affected. Please monitor your account closely. If you see any unusual or unauthorized activity on our account, notify us immediately. Contact us at 1.800.526.6933 or 860.513.5000. The credit union has multiple systems in place to monitor fraudulent activity, but we encourage you to closely monitor your accounts if you shopped at Target during these dates. We also have an Identity Theft Recovery Program in place for members in the event that identity theft occurs. Members who are protected by this program receive a personal Recovery Advocate. The Recovery Advocate assigned to your case will:
- provide a customized recovery plan within 72 hours
- alert the three major credit bureaus (Equifax, Experian and TransUnion)
- work with all necessary government and law enforcement agencies
- complete all forms and follow-up on your behalf
Our Mobile Branch Visits Businesses, Schools and Community Events Interested in having the Mobile Branch visit your business, school or community event? SCHEDULE A VISIT TODAY! We're more than happy to bring our banking services to you, we'd love to work with you. Please click here to schedule a visit today! Or call 860.513.5000 or 800.526.6933 to learn more about how we can serve your company or school.