Author Archives: jarnone
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 Nutmeg State FCU 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.
Annual Meeting Messages from Our Chairman and President/CEO We recently held our Annual Meeting. In case you were unable to attend, click here to view the annual meeting messages from Luis Ramos, our Chairman of the Board and John Holt, our President & CEO.
Manchester Branch ATM Upgrade Manchester Branch ATM Upgrade We are pleased to announce that our Manchester branch drive-up ATM has been replaced with a new and improved machine. This new interactive, touch-screen ATM allows for faster and easier transactions. Please note that ATM deposits no longer require the use of an envelope. During a deposit, the ATM screen will prompt you to insert the cash and/or checks as you go. Click here for step-by-step instructions. We hope you enjoy the added convenience of this improved ATM. Just a reminder, a new ATM is already at our Rocky Hill Branch. A similar upgrade is coming very soon for the Glastonbury branch. We will share more information as the change is made.
Home For Sale – Plainville, CT Home For Sale 137 Broad Street, Plainville CT
- List Price—$142,500
- Lot: 0.32 acres
- Built in 1899
- Flooring: Hardwood, Laminate
- Detached 2-Car Garage
Coming Soon… Apple Pay for Nutmeg Credit & Debit Cards Coming this Spring, you will be able to access your Nutmeg Debit and Credit Cards right through Apple Pay! If you are an iPhone user, you can use Apple Pay to securely make purchases from your phone without using your card! The App can be used safely, securely and conveniently on your iPhone 6 or higher to pay for your everyday purchases at your favorite establishments. The technology allows you keep 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.
New and Improved Mobile App Coming Soon! Coming very soon, our Mobile App will have a new and improved look and feel. The updated App will not only have a sleeker look, but it will also be easier to navigate and have improved functionality. Below is a screenshot of the Accounts & Loans section. Navigating is easier than ever. Simply swipe to the left or click the icon in the upper right-hand corner to access the navigation menu. Not only are all the electronic services easier to access, you can now view all your e-Statements balances in one easy place right on the App! Look for the Mobile App update in the coming weeks! If you don't already use our App, click here for more information or to download.
Coming Soon… New Designs for Credit and Debit Cards As part of our State Charter conversion, we will soon begin issuing Credit and Debit Cards with a new look and design. Beginning this May when you receive a new Nutmeg Debit or Credit Card it will have our new logo and have a fresh new look. If you receive a card before then with our old name and logo, please rest assured that the existing cards will still work just like they always have. For added security, coming this July, our VISA Credit Card will be enhanced with a secured EMV Chip. The addition of the embedded EMV microchip is part of a nationwide movement to add extra layers of security to cards to prevent fraud and protect from identity theft. All VISA Credit Cards will be reissued with the new EMV chip this July, even if you just received a new card recently. Also coming this Spring, you will be able to access your Nutmeg Credit and Debit cards through Apple Pay! Click here to learn more about Apple Pay. We hope you like the new look, and as always, these cards are accepted anywhere that accepts VISA or MasterCard!
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.
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
*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 and ID Theft Protection Program. Accountholder must also have 2 of the following: A VISA® Credit Card, consumer loan, a mortgage, a qualified savings product (Money Market account, IRA or Share Certificate). The VISA® must have $1,000.00 balance or greater at end of calendar month to qualify. Accountholder must also perform both of the following: At least 12 debit card transactions per month and at least 7 electronic transactions – can include electronic funds transfers, 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 Financial Credit Union is federally insured by the National Credit Union Administration.
Information About the Anthem Health Insurance Data Breach As you may have already heard, Anthem Health Insurance announced that hackers gained access to their company servers and may have stolen the personal information of as many as 80 million consumers. Included in the information at risk was date of birth, Social Security number, medical ID number, street and email addresses, and employment information (possibly income). It does not appear that any payment card or medical information was at risk. Anthem has established a website to provide information to the public at www.anthemfacts.com and a toll-free number for questions at 877-263-7995. Consumers who identify acts of fraud related to this breach are encouraged to report their incident to the FBI’s Internet Crime Complaint Center at www.ic3.gov. Please be aware that we offer an Identity Theft Protection service to assist you if you are ever a victim of Identity Theft. This program will assign you a personal Identity Theft Recovery Advocate until your identity is fully restored. Click here for more information.
Don’t Miss Our Upcoming Nutmeg Community Events Nutmeg Community Events Coming Soon Auto Buying Seminar Shopping for a new car can be stressful. We will be hosting a free seminar to help you learn how to shop hassle free, decipher financing options and determine vehicle value. Look for more information and a date coming soon. Electronics Recycling Day Do you have old computers with personal information on them? Securely dispose of them at our upcoming free Electronics Recycling event. Get rid of old computers, televisions, stereos or other any other electronics you no longer use. Look for more information about our free Electronics Recycling event soon. Shred-It Event It's almost that time of year again. Clean out those drawers and filing cabinets. We can help you safely destroy all your old, personal paper documents free of charge. Bring your old statements, bills and medical records and safely destroy them right on site. Look for more information and a date coming soon.
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! 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.
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 FCU