Author Archives: jarnone
Community Document Shred Event – Saturday, June 13 This year's community Document Shred event will be Saturday, June 13, 9:00 a.m. to noon, at our Rocky Hill and Glastonbury branch locations. All members of the community are invited to bring documents that contain sensitive or confidential materials. What should I shred? In short, destroy all sensitive information including junk mail and paperwork that includes:
- Account numbers
- Birth dates
- Passwords and PINs
- Social Security numbers
- Medical information
- Phone numbers
- E-mail addresses
New and Improved Mobile App – Update Available! Our Mobile App update is now available. The updated App not only has a sleeker look, it is also easier to navigate and has improved functionality.
- Easier Navigation
- Improved Services
- Full e-Statement Access
- And Much More
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.
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.
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. For added security, coming this July, our VISA Credit Cards 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. We hope you like the new look, and as always, these cards are accepted anywhere that accepts VISA or MasterCard!
Free Student Loan and Financial Aid Seminar – Tuesday, May 19 We will be hosting a free Student Loan and Financial Aid Seminar on Tuesday, May 19, 2015 from 6:00 p.m. - 7:30 p.m. at our corporate office located at 520 Cromwell Avenue, Rocky Hill (across the street from the branch). This seminar is in partnership with Credit Union Student Choice. Everyone is welcome to attend this free seminar and learn more about topics including:
- Understanding your financial aid award letter
- The REAL cost of college
- Out-of-pocket expenses
- Private loan options
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.
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.
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