Loan Rates

Effective August 22, 2014

Mortgages (now available to Members in MA, ME, RI, NH, & CT)

Ask us about refinancing your current mortgage at a lower rate. We can save you money! Call 860.513.5000 today!

First Mortgage (priced daily)
Conventional First Mortgages
Maximum Term 0 pts. One Point Two Points
10 Year Fixed as low as: 3.125%  3.000% 2.875%
APR 3.41% 3.50% 3.59%
15 Year Fixed as low as: 3.250% 3.125% 3.000%
APR 3.45% 3.47% 3.49%
20 Year Fixed as low as: 3.875% 3.750% 3.625%
APR 4.03% 4.02% 4.02%
25 Year Fixed as low as: N/A N/A N/A
APR N/A N/A N/A
30 Year Fixed as low as: 4.125% 4.000% 3.875%
APR 4.24% 4.20% 4.16%
40 Year Fixed as low as: N/A N/A N/A
APR N/A N/A N/A
15 Year Jumbo Conforming as low as: 3.500% 3.375% N/A
APR 3.70% 3.72% N/A
0 pts. One Point Two Points
15 Year Jumbo Nonconforming as low as: 3.875% 3.750% N/A
APR 4.08% 4.10% N/A
30 Year Jumbo Conforming as low as: 4.250% 4.125% N/A
APR 4.36% 4.32% N/A
0 pts. One Point Two Points
30 Year Jumbo Nonconforming as low as: 4.250% 4.125% N/A
APR 4.36% 4.32% N/A
N/A N/A
30 Year Non-owner Occupied as low as: N/A N/A
APR N/A N/A
0 pts. One Point Two Points
My Community as low as: 4.500% N/A 4.250%
APR 4.62% N/A 4.54%
MHFA (MA Only) as low as: 5.125% N/A N/A
APR 5.25% N/A N/A

Five Year Adjustable (ARM) – Conforming 0 pts Two Points
Rate as low as: 3.125% as low as: N/A
APR 3.07% N/A
Five Year Adjustable (ARM) – Jumbo Nonconforming 0 pts Two Points
Rate as low as: 3.500% as low as: N/A
APR 3.20% N/A
Seven Year Adjustable (ARM) 0  pts Two Points
Rate as low as: 3.375% as low as: N/A
APR 3.16% N/A
Ten Year Adjustable (ARM) 0  pts Two Points
Rate as low as: 3.625% as low as: N/A
APR 3.24% N/A
Homeowner Express
Term Annual Percentage Rate (APR) Monthly Payment (Per $1,000 Borrowed)
8 Years 3.29% $11.86
12 Years 3.49% $8.51
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.
Home Equity Loans
Type of Loan Annual Percentage Rate (APR) Available Terms Monthly Payment (Per $1,000 Borrowed)
Line of Credit As low as: 4.000% 84 Month Draw Period $3.39
120 Month Repayment
Fixed Rate Second Mortgage As low as: 3.590% 60 Months $18.23
As low as: 4.740% 120 Months $10.48
As low as: 5.750% 180 Months $8.30
Vehicle Loans
Type of Loan Current Rate (APR) Available Terms Monthly Payment (Per $1,000 Borrowed)
New Vehicle* As low as 1.49% Up to 36 months $28.42
2013 – 2015 with less than 5,000 miles
As low as 1.99% Up to 60 months $17.52
(Financing includes Tax, Title & Warranty)
As low as 2.99% Up to 72 months $15.19
As low as 4.99% Up to 84 month $14.13
As low as 5.99% 90 month $13.82
Used Vehicle* As low as 1.99% Up to 36 months $28.64
2008 – 2015 with more than 5,000 miles As low as 2.49% Up to 60 months $17.74
(Financing of NADA Average Retail Value, Tax & Title)
As low as 3.49% Up to 72 months $15.41
As low as 5.99% Up to 84 months $14.60
As low as 6.99% 90 month $14.31
The Annual Percentage Rate (APR) and monthly payment for loan requests will be based on credit score and other factors. Actual rates may be as low as 1.49% APR for new auto loans and 1.99% APR for used auto loans for up to 36 months. There is a 0.25% discount for automatic payment of the loan from a Nutmeg Checking account, which is reflected in the rates above. Discount rates cannot be combined with any other special offers.
Recreational (Boats, RV’s, Tow-Behind & Travel Trailers)* As low as 5.250% Other terms and rates available.
 Motorcycle As low as 4.750% Other terms and rates available.
Personal Loans
Type of Loan Current Rate (APR) Available Terms Additional Factors
Share Secured Varies with Share Rate 60 Months 120 Months Borrow at 2.50% or 3.50% above current savings rates
Certificate Secured 2.50% Over Certificate Rate See Additional Factors Maximum Term of Loan Can Not Exceed Term of Certificate
Unsecured Monthly Payment (Per $1,000 Borrowed)
(Total unsecured cannot exceed $30,000) As low as: 8.99% APR 12 Months $87.45
24 Months $45.68
36 Months $31.80
48 Months $24.88
60 Months $20.75
Education 6.000% APR 12 Months $86.04
6.000% APR 24 Months $44.31
6.000% APR 36 Months $30.42
6.000% APR 48 Months $23.48
6.000% APR 60 Months $19.33
VISA® Credit Card
With Reward Points Non-variable rates 9.950% – 17.950% APR
Without Reward Points Non-variable rates 9.950% – 16.950% APR
Moneyline Line of Credit
Type of Loan Current Rate (APR) Additional Factors
Unsecured Personal Line of Credit As low as: 8.99%APR
Credit lines range from $500 to a maximum of $30,000. No collateral required.

* APR= Annual Percentage Rates. Rates are based on credit score and other factors. Your actual rate may be higher depending on your credit score. All rates are determined by the Board of Directors and are subject to change at any time.