Author Archives: jarnone
Our East Windsor Branch & ATM Are No Longer In Service, Effective August 29, 2015 In an effort to continue enhancing our member experience, we frequently re-evaluate our products and services, hours of operation, security and technology, staff, and branch locations. During recent lease negotiations involving the East Windsor branch, located at 137 Prospect Hill Road, we could not come to terms with the property owner to solidify continued occupation of this location. As a result, the difficult decision to close this branch and ATM, effective at close of business August 29, 2015, was made. In the future, we hope to reintroduce a branch somewhere around this area and have already begun searching for new locations. We have a wide range of electronic services to help bank without a branch. These services give you access to your accounts anywhere, anytime. They include:
- Mobile Banking
- e-Statements – View statements electronically
- e-Pay – Pay bills online or from our mobile app
- Online Loan Application and Payment
- Voiceline – Telephone banking
- e-Deposits – Deposit checks electronically
- ATM access to the SUM and Co-Op Networks – Choose from over 40,000 free ATMS
- Monday – Friday: 8 a.m. to 6 p.m.
- Saturday: 9 a.m. to 3 p.m.
Education Seminars As part of our commitment to the community, we are please to offer financial education seminars that are free and open to the public. All seminars are held in our Community Room at 520 Cromwell Avenue, Rocky Hill (across the street from the branch). Currently, we are offering these education seminars:
- Mortgage Refinancing Seminar - September 22,2015
- How to Prepare, Pay and Stay in College - October 6, 2015
Mobile App Update Coming Soon An update to our Mobile App is coming soon. We are always seeking to make our services easier to use. We hope these enhancements deliver continued convenience to our members. e-Statement Enrollment The updated App will allow users to enroll in e-Statements right on the App. Once enrolled, you can view your statements anytime on your mobile device! Password Reset Users will now also have the ability to reset passwords right from the App. Previously, password resets had to be done from the desktop e-Banking platform. If you don't already use our App, click here for more information or to download.
Nutmeg in the Community – Join Us! Come check out our new and improved Mobile Branch as we travel through Hartford, Middlesex and New Haven Counties this summer! Glastonbury Irish Festival – 8/29/15 Manchester Park-AID – 9/13/15 Wethersfield Corn Fest – 9/19/15 Taste of Rocky Hill – 9/24/15 Pipes in the Valley – 9/26/15 Stop by and see us at these upcoming events!
Financing a Pool is Easy! It's that time of year when you wish you had a pool. So make it happen! Installing a swimming pool (or repairing your existing pool) can be a large investment. We're prepared to help you borrow with a variety of options. Click here to apply. For questions or to speak to a loan specialist, e-mail or call us at 860.513.5000 1.800.526.6933.
Our Student Choice Program Helps Students Borrow at Low Rates! Our Student Choice program helps college and university students pay for their education related expenses. Our program offers an Undergraduate Line of Credit and a Private Loan Consolidation option. Our private student loan solution:
- Helps fill the funding gap that exists after lower-cost sources of aid have been exhausted.
- Offers lower rates than many other lenders.
- Allows for fully deferred payment while you're in school.
- Is structured as a Line-of-Credit (LOC), which you can then use over multiple years.
- Offers flexible repayment options resulting in lower initial payments after graduation.
- Gives you the chance to reduce your interest rate by 0.25% during full repayment when you enroll in automatic payment.
Pay Off Your Mortgage in Just 8 to 12 Years! Find Out How. With our Homeowners Express mortgage, you can own your home in 8 to 12 years.
- Refinance your mortgage from another lender
- Maximum loan-to-value of 75%
- As low as 3.29% APR* up to 8 year mortgages
- As low as 3.49% APR up to 12 year mortgages
BEST OF ALL… There's no closing costs or application fees!Click here to apply. If you are new to Nutmeg, we must first open your account. Click here to begin. Want to see how much refinancing with Homeowners Express can save you? Click here to use our Home Loan Analysis to find out how much you can save. For questions or more information, click here to send us an e-mail or call 860.513.5000 to speak to a loan representative.
*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 credit score. Subject to credit approval. Payoff existing mortgage balances. No cash out. Minimum loan amount of $25,000. Maximum loan amount of $375,000. New money only. Existing NSFCU first mortgage loans are not eligible. Maximum loan-to-value of 75%. Eligible properties are single family detached owner occupied homes, condominiums and planned unit developments in Connecticut. Other terms and conditions may apply. We are an equal opportunity lender. Sample monthly payment per $1,000 borrowed for 96 months at 3.29% APR = $11.86, and per $1,000 borrowed for 144 months at 3.49% APR = $8.51.
Win Big With the 2015 Savings Challenge – Save Each Week and Enter to Win! Deposit each week into your Savings Challenge Account and be entered to win! 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 over $1,300! Or, deposit $25 automatically each week into your account all year long! Need to catch up? Begin by saving the largest amount first! We'll even enter you to win one of twelve $50 prizes. There will be a drawing for each calendar month*. Use this special Saving Challenge Tracker to help track your increasing deposits. Click here to open your Savings Challenge account online. *No purchase necessary to enter to win. All Savings Challenge account holders are eligible to enter drawings. 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.
Apple Pay for Nutmeg Credit & Debit Cards Now Available! Apple Pay for Nutmeg Debit and Credit Cards is now available! You can use Apple devices to securely make purchases from your phone without using your card! Apple Pay can be accessed in the Passbook App and be used safely, securely and conveniently on your iPhone 6, iPhone 6 Plus, iPad Air 2, iPad Mini 3 and Apple Watch. Use it to pay for your everyday purchases at your favorite establishments, click here for a list of common providers. The technology allows you to use your credit or debit cards without having to physically hand them to a cashier. Retailers only receive transaction-specific codes to process your payment and you never have to share your card information with retail staff. How to Use Apple Pay in Participating Stores: 1. Look for the Pay Wave® or Apple Pay symbol at checkout and hold your phone near the contact-less reader.
2. Place your finger on the Touch ID™. Or, you may need to enter a pass code and sign a receipt.
3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.
Making payments with Apple Pay is easy and secure. The entire transaction is secure, as your credit and debit card numbers aren't stored on the device and are not shared with the merchant.
Setting up your cards is easy. Click here for setup instructions. If you are prompted to call to verify your card, please call 1.800.526.6933 during our Contact Center hours: Monday-Friday 8 a.m. - 6 p.m. and Saturday 9 a.m. - 3 p.m.
Click here for a list of Frequently Asked Questions.
New Credit and Debit Card Designs As part of our State Charter conversion, we have begun issuing Credit and Debit Cards with a new look and design. When you receive a new Nutmeg Debit or Credit Card it will have our new logo and have a fresh new look. If you have an existing card with the old name and logo, please rest assured that these cards will still work just like they always have.
Reward Your Business and Your Employees! Make the switch to Nutmeg for your business and we will reward you AND your employees! BUSINESS REWARDS Open a Business Checking Account and get a $100 Nutmeg VISA Gift Card1. Our FREE Business Checking has no balance fees or maintenance fees and comes with all the electronic services you need. Click here for more information about all our Business Services. Need help borrowing for your business? We can help. Click here to learn more about our Business Loans. EMPLOYEE REWARDS We will reward your employees too. Each employee can make up to $250! Open a consumer Checking account and get a $50 Cash Bonus!2 Refinance an Auto Loan from another lender with us and get a $200 Cash Bonus!3
1 $100 VISA Gift Card will be given at time of account opening. Rewards and rebates will be paid on a per account basis. All new accounts are subject to normal approval process. Minimum $25 deposit to open. Other terms and conditions apply. 2 A Checking account with full direct deposit, e-Statements and debit card must be opened by May 31, 2015 to qualify for $50.00 cash bonus. New consumer Checking accounts only. $50.00 cash bonus will be awarded after the direct deposit begins. Direct Deposit must begin within 30 days of account opening to qualify. No exceptions can be made to this qualification. Once it is determined that the member qualifies for the reward by meeting the criteria set forth, the member will be paid the appropriate incentive with a deposit to his/her existing Nutmeg savings account within 30 days. Cash bonus may be forfeited if Checking account is closed within 6 months. A $25.00 fee may apply if account is closed within 90 days. All new accounts are subject to our normal approval process. 3 $200.00 refinancing bonus will be deposited to your Savings Account at loan closing. The $200.00 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 Financial Credit Union. Offer excludes commercial vehicles, recreational vehicles, watercraft and motorcycles. Some restrictions apply. Offer subject to change or end without notice at any time. Other terms and conditions may apply. Cannot be combined with any other offer.
Member is responsible for paying all taxes associated with any rewards. Nutmeg State Financial Credit Union reserves the right to discontinue these offers at any time without notice. Cannot be combined with any other offers. Must present this offer at the time of account opening to receive bonus. Coupon has no cash value and is not valid if copied. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.
Earn 4.99% APY with First Choice Checking! Our First Choice Checking is designed for our members who carry high balances in their Checking accounts. 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. Opening your account online is very easy, click here to get started! In order to receive monthly interest bonus, you must have a Debit Card and be enrolled in e-Statements and the ID Theft Protection Program. Plus, you must also have any 2 of the following:
- VISA® Credit Card
- Consumer Loan
- Money Market, IRA or Share Certificate
- 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