Working Wheels Car Ownership Program
We are committed to helping families thrive. For many, this means having a reliable way to get to work. If you're struggling to get there and need a car, we can help. Our Working Wheels Car Ownership Program is designed to help struggling families make the drive.
In order to qualify, you must:
- Have a minimum of 6 months employment and at least 30 hours worked per week.
- Be 18 years of age or older and have a valid CT driver's license.
- Have a minimum of 6 months at current address.
- Meet with a Loan Consultant in-person to review and complete a personal budget for loan payments. Applicants in bankruptcy (or preparing to file) are not eligible.
- Complete a financial literacy class provided by Nutmeg State FCU.
Our Working Wheels Car Ownership Program has an interest rate of 12% APR* and you'll be rewarded with an automatic rate reduction after one year of on-time payments.
Before you begin the application, please be sure to check out our helpful information below.
Advice for Saving Money
Useful Tips for New Vehicle Owners
If your vehicle breaks down:
- Be aware of your surroundings. Note where your vehicle is in relation to other drivers and intersecting roads. Landmarks, signs and more will help roadside assistance reach you if you need additional help.
- Identify the problem with your vehicle and know how to take action. Use your emergency lights (if necessary) and slowly pull over to the side of the road. Most importantly, don't panic!
- Check on your passengers. Their safety (and yours) should always be your highest priority. Once your safety has been assessed, use a cell phone to call for help.
- Cooperate with your roadside help. Be sure to tell responders everything you can about the problem. Providing information like your insurance provider, phone number, address, vehicle license plate and more will help responders help you!
- If your vehicle experiences a malfunction on the road, it's important to have on-hand safety equipment. The following are some suggested supplies to always keep in your vehicle—any and all will help you endure the worst vehicle mishaps!
- Basic toolkit (with screwdriver, wrench, etc.)
- Blankets or heavy clothing
- Cell phone changer
- Extra medication (if needed)
- First-aid kit
- Flashlight and batteries
- Ice scraper or snow brush for inclement weather
- Jumper cables
- Vehicle operating manual
- Water and canned food
- Change your oil every 3,000 miles, unless specified otherwise in your vehicle manual. This can be done at almost any local technician's shop.
- Check your air filter every 12,000-15,000 miles (unless specified otherwise in your vehicle manual) and replace it if you can't see through it. Your car's performance will improve with a clean one!
- If your windshield is getting dirty, you may need to refill your wiper fluid or replace your windshield wipers—they could be old or worn!
- Always keep an eye on your tires and frequently check their pressure. Here are some easy-to-spot warning signs:
- If your tires show wear on only the center of the treads, they may be overinflated.
- If your tires sag and show wear on only the sides, they may be underinflated.
- When driving, look out for unusual vibrations or a gradual pull from one side of your vehicle. These could indicate potential issues with the condition of your tires.
- If the condition of your tires becomes detrimental to your driving experience, pull over immediately to assess the problem and prevent further tire damage.
- Schedule regular tune-ups with a professional for thorough vehicle inspections.