Loan Rates

Effective March 1, 2018

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First Mortgage (priced daily)

Click Here for Mortgages Rates:

Homeowners Express


Annual Percentage Rate (APR)

Monthly Payment
(Per $1,000 Borrowed)
8 Years As low as 2.75% $11.62
12 Years As low as 2.99% $8.27
15 Years As low as 3.25%  $7.03
20 Years As low as 3.50% $5.80

*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 individual credit score. Subject to credit approval. Payoff existing mortgage balances. Minimum loan amount of $25,000. Maximum loan amount of $400,000. Existing Nutmeg State FCU first mortgage loans are not eligible. Maximum loan-to-value of 90%. Eligible properties are owner occupied single family detached 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 2.75% APR = $11.62, per $1,000 borrowed for 144 months at 2.99% APR = $8.27, per $1,000 borrowed for 180 months at 3.25% APR = $7.03, and per $1,000 borrowed for 240 months at 3.50% APR = $5.80. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.


Home Equity Loans

Type of Loan

Annual Percentage Rate (APR) Available Terms

Monthly Payment
(Per $1,000 Borrowed)
Line of Credit 4.500% 84 Month Draw Period  
    120 Month Repayment  
Fixed Rate Second Mortgage As low as: 3.750% 60 Months $18.08
As low as: 4.000% 84 Months $13.33
  As low as: 4.500% 120 Months $10.12
  As low as: 5.000% 180 Months $7.65


Vehicle Loans

Type of Loan Current Rate (APR)  
New Vehicle* As low as 2.50% Apply Now  
Max age 1 years Max 5,000 miles
Used Vehicle* As low as 2.50% Apply Now  
Max age 7 years
Max 100,000 miles
Motorcycle As low as 5.500% Apply Now  
(includes Boats, RV’s, Tow-behind & Travel Trailers)
As low as 6.000% Apply Now  
Financing based on NADA Average Retail Value. Includes Tax, Title and Warranty. *Rates shown are Annual Percentage Rates and are subject to change without notice. Rates and terms may be determined by overall credit worthiness of each applicant. May be subject to minimum rate limitations.


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
(Total cannot exceed $40,000)
As low as:
10.50% APR
Apply Now  
Education Loan 7.00% APR Apply Now  
Student Choice
Education Line
of Credit
Prime + 2.50% Apply Now  


MasterCard® Credit Card

MasterCard® Credit Card With Reward Points Non-variable rates 9.95% – 17.95% APR


Moneyline Line of Credit

Type of Loan Current Rate (APR) Available Terms Additional Factors
Moneyline Line of Credit 18.00% Apply Now Credit lines range from $500 to a maximum of $40,000. No collateral required. 

*APR = Annual Percentage Rate. Terms and conditions apply.