Loan Rates
Effective April 1, 2022
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)
Click Here for Mortgages Rates.
Home Refi Express
| Term |
Annual Percentage Rate (APR) |
Monthly Payment (Per $1,000 Borrowed) |
| 8 Years | As low as 3.25% | $11.84 |
| 12 Years | As low as 3.50% | $8.51 |
| 15 Years | As low as 3.75% | $7.27 |
| 20 Years | As low as 4.00% | $6.06 |
*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. Membership with a checking account with direct deposit or deposit accounts with a total of at least $25,000 qualify to receive the advertised rates; all other members will receive rates 0.25% higher. Payoff existing mortgage balances. Minimum loan amount of $10,000. 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 3.00% APR = $11.73, per $1,000 borrowed for 144 months at 3.50% APR = $8.51, per $1,000 borrowed for 180 months at 3.99% APR = $7.39, and per $1,000 borrowed for 240 months at 4.25% APR = $6.19. 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 | 3.50% (Variable) | 84 Month Draw Period | |
| 120 Month Repayment | |||
| Fixed Rate Second Mortgage | As low as: 2.99% | 60 Months | $17.96 |
| As low as: 3.25% | 84 Months | $13.33 | |
| As low as: 3.75% | 120 Months | $10.01 | |
| As low as: 4.25% | 180 Months | $7.52 |
Vehicle Loans
| Type of Loan | Current Rate (APR) | |||
| New Vehicle* | As low as 2.25% | Apply Now | ||
| Max age 1 years Max 5,000 miles | ||||
| Used Vehicle* | As low as 2.25% | Apply Now | ||
| Max age 7 years Max 100,000 miles |
||||
| Motorcycle | As low as 3.50% | Apply Now | ||
| Recreational (includes Boats, RV’s, Tow-behind & Travel Trailers) |
As low as 4.50% | 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 |
| Unsecured (Total cannot exceed $40,000) |
As low as: 7.99% APR |
Apply Now | |
| Education Loan | 7.00% APR | Apply Now | |
MasterCard® Credit Card
| MasterCard® Credit Card With Reward Points | Non-variable rates 11.95% – 17.95% APR |
Moneyline Line of Credit
| Type of Loan | Current Rate (APR) | Available Terms | Additional Factors |
| Moneyline Line of Credit | 10.50% | Apply Now | Credit lines range from $500 to a maximum of $40,000. No collateral required. |
*APR = Annual Percentage Rate. Terms and conditions apply.
