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Current Rates

Savings Rates As Of July 9, 2010

APY is Annual Percentage Yield1

Term Share and IRA Certificate Special Offers ($500)

   Dividend Rate  APY  
13 Month
(Renews for 12 Month Term)
 0.85%  0.85%  Open Now
13 Month with Your Choice Checking
(Renews for 12 Month Term)
 1.10%  1.10%  Open Now
18 Month
(Renews for 12 Month Term)
 1.14%  1.15%  Open Now
18 Month with Your Choice Checking
(Renews for 12 Month Term)
 1.39%  1.40%  Open Now
26 Month
(Renews for 24 Month Term)
 1.54%  1.55%  Open Now
26 Month with Your Choice Checking
(Renews for 24 Month Term)
 1.78%  1.80%  Open Now

*APY = Annual Percentage Yield. Rate effective July 9, 2010  and is subject to expire at any time. $500 minimum deposit. Maximum deposit of $250,000. A penalty will be imposed for early withdrawal. May not be combined with other offers. Your Choice Checking requires full Direct Deposit or a $5 monthly fee is imposed.

Standard Term Share Certificates ($500 min) 

   Dividend Rate  APY  
3 Months  0.25%  0.25% Open Now
3 months w/ Your Choice Checking  0.50%  0.50% Open Now
6 months  0.40%  0.40% Open Now
6 months w/ Your Choice Checking  0.65%  0.65% Open Now

*APY = Annual Percentage Yield. Rate effective July 9, 2010  and is subject to change at any time. $500 minimum deposit. Maximum deposit of $250,000. A penalty will be imposed for early withdrawal.  Share certificate dividends are compounded daily and paid monthly. 

Standard Term Share and IRA Certificates ($500 min)

   Dividend Rate  APY  
12-23 months  0.60%  0.60% Open Now
12-23 months w/ Your Choice Checking  0.85%  0.85% Open Now
24-35  months  0.85%  0.85% Open Now
24-35 months w/ Your Choice Checking  1.10%  1.10% Open Now
36-47 months  1.49%  1.50% Open Now
36-47 months w/ Your Choice Checking  1.73%  1.75% Open Now
48-59 months  1.83%  1.85% Open Now
48-59 months w/ Your Choice Checking  2.08%  2.10% Open Now
60 months  2.47%  2.50% Open Now
60 months w/ Your Choice Checking  2.71%  2.75% Open Now
62 months - Bump Up ($90,000 min. deposit)  2.47%  2.50% Open Now
62 months - Bump Up  w/ Your Choice Checking  2.71%  2.75% Open Now

 

*APY = Annual Percentage Yield. Rate effective July 9, 2010  and is subject to change at any time. $500 minimum deposit. Maximum deposit of $250,000. A penalty will be imposed for early withdrawal. Share certificate dividends are compounded daily and paid monthly. 

Money Market Share Account


   Dividend Rate  APY  
Balances under $2,500  0.10%  0.10% Open Now
Balances $2,500 - $9,999  0.15%  0.15% Open Now
Balances $2,500 - $9,999 w/ Your Choice Checking  0.40%  0.40% Open Now
Balances $10,000 - $24,999  0.20%  0.20% Open Now
Balances $10,000 - $24,999 w/ Your Choice Checking  0.45%  0.45% Open Now
Balances $25,000 - $49,999  0.25%  0.25% Open Now
Balances $25,000 - $49,999 w/ Your Choice Checking  0.50%  0.50% Open Now
Balances $50,000 - $99,999  0.50%  0.50% Open Now
Balances $50,000 - $99,999 w/ Your Choice Checking  0.75%  0.75% Open Now
Balances over $100,000  0.75%  0.75% Open Now
Balances over $100,000 w/ Your Choice Checking  1.00%  1.00% Open Now


*APY = Annual Percentage Yield. Rate effective July 9, 2010  and is subject to change at any time. No minimum balance required to open account.  Money Market rates paid on balances more than $25 on a tiered rate schedule.  Balances that fall below $2,500 are paid Regular Share rate.  Share dividends are compounded and paid monthly. 

Mini Money Market Share Account (available to members under age 25)

Dividend RateAPY
Balances $2,000 and over0.75%0.75%
Balances $1500 - $19990.60%0.60%
Balances $1,000 - $1,4990.45%0.45%
Balances $500 - $9990.30%0.30%
Balances $250 - $4990.20%0.20%
Balances $25 - $2490.10%0.10%

*APY = Annual Percentage Yield. Rate effective July 9, 2010   and is subject to change at any time.  No minimum balance required to open account.  Mini Money Market rates paid on balances more than $25 on a tiered rate schedule.  Balances that fall below $250 are paid Regular Share rate.  Share dividends are compounded and paid monthly. 

IRA share Account

Dividend RateAPY
Balances under $20,0000.25%0.25%
Balances $20,000 and over0.40%0.40%

*APY = Annual Percentage Yield. Rate effective July 9, 2010   and is subject to change at any time. No minimum balance required to open account. Withdrawals subject to IRS penalty (consult a tax advisor.) Share dividends are compounded and paid monthly.

Regular Share Account


   Dividend Rate  APY  
$25.00 and Over  0.10%  0.10% Open Now
*APY = Annual Percentage Yield. Rate effective July 9, 2010  and is subject to change at any time. $25.00 minimum deposit is required to open your account and prior to application for any additional services. Dividends paid on balances of $25 or more. Account subject to minimum balance requirement of $25. Share dividends are compounded and paid monthly.

Checking Account


   Dividend Rate  APY  
Your Choice Checking  0.10%  0.10% Open Now
Unbank Checking Qualified Balances $0-$25,000  3.20%  3.25% Open Now
Unbank Checking Qualified Balances $25,000+  1.00%  1.00% Open Now
Unbank Checking Non-Qualified accounts  0.10%  0.10% Open Now
Health Savings / Checking Account - All Balances  0.50%  0.50%

*APY = Annual Percentage Yield. Rate effective July 9, 2010  and is subject to change at any time. $25.00 minimum deposit is required to open your account and prior to application for any additional services. Dividends paid on balances of $25 or more. Account subject to minimum balance requirement of $25. Share dividends are compounded and paid monthly.

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Business Savings

Dividend RateAPY
Business Savings ($25 minimum)0.20%0.20%

*APY = Annual Percentage Yield. Rate effective July 9, 2010  and is subject to change at any time. No minimum balance required to open account. Balances that fall below $1,000 are subject to $10 monthly service charge. Dividends paid on balances of $25 or more. Share dividends are compounded and paid monthly. Must be a business member to open account.

Business Money Market

Dividend RateAPY
Balances under $2,5000.10%0.10%
Balances $2,500 - $9,9990.15%0.15%
Balances $10,000 - $24,9990.20%0.20%
Balances $25,000 - $49,9990.25%0.25%
Balances $50,000 - $99,9990.50%0.50%
Balances $100,000 and over0.80%0.80%

*APY = Annual Percentage Yield. Rate effective July 9, 2010  and is subject to change at any time. No minimum balance required to open account. Business Money Market rates paid on balances more than $25 on a tiered rate schedule. Balances that fall below $2,500 are paid Regular Share rate. Share dividends are compounded and paid monthly. Must be a business member to open account.

Business Checking

Dividend RateAPY
Business Checking Account0.70%0.70%

*APY = Annual Percentage Yield. Rate effective July 9, 2010   and is subject to change at any time. No minimum balance required to open account. Balances that fall below $1,000 are subject to $10 monthly service charge. Checking account dividends are compounded daily and paid monthly. Must be a business member to open account.
1Yield assumes principal and dividends remain on deposit for one year at the current rate.

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Consumer Loan Rates Effective July 9, 2010 

APR is Annual Percentage Rate
All credit union loan programs, rates, terms and conditions are subject to change at any time without notice

CAR, VAN, TRUCK

Fixed Rates
New Car Loan (10% Down))As low as *5.00% APR
New Car Loan (0% Down)As low as *5.25% APR
Used Car Loan (10% Down)As low as *5.50% APR
Used Car Loan (0% Down)As low as *5.50% APR

Note: New Cars are model year 2009 and newer. Used Cars are model year 2008 and older.


PERSONAL LOANS

Overdraft Plus Line of Credit13.75% APR (variable)
Personal/Signature Loan 48 monthsAs low as *11.00% APR
Personal/Signature Loan 24 monthsAs low as *10.00% APR

OTHER

New Boat, Motorcycle or RVAs low as *7.75% APR
Used Boat, Motorcycle or RVAs low as *8.00% APR
Stock SecuredAs low as *7.75% APR

*The rate you pay will be determined by the term of the loan and your credit history. Rates available on approved credit.
 

Mortgage Rates

Rates provided by Members Mortgage, Connex Credit Union's Mortgage Lending Partner
Click Here for the most accurate rate information based on your mortgage lending needs.


Home Equity Loan Rates on July 9, 2010

APR is Annual Percentage Rate

5 Year Home Equity Loan4.99% APR† fixed
7 Year Home Equity Loan5.24% APR† fixed
10 Year Home Equity Loan5.49% APR† fixed
15 Year Home Equity Loan5.99% APR† fixed
20 Year Home Equity Loan6.24% APR† fixed

Rates above are based on borrowing up to 80% of equity in home. Term of up to 20 years; estimated monthly payment for 5-year home equity loan: 4.99% APR † of $19.22 per $1,000 borrowed; 7-year home equity loan: 5.24% APR † of $14.61 per $1,000 borrowed; 10-year home equity loan: 5.49% APR † of $11.23 per $1,000 borrowed; 15-year home equity loan: 5.99% APR † of $8.99 per $1,000 borrowed; 20-year home equity loan: 6.24% APR † of $7.90 per $1,000 borrowed. The APR is the credit union’s standard. The rate may vary depending on each individual’s credit history and underwriting factors. Effective July 9, 2010 . All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Proof of homeowners insurance is required for all Home Equity products. Home Equity financing available on CT owner-occupied properties only..


Home Equity Line of Credit Rates on July 9, 2010

Current rate is 4.00% APR ††

Note: Prime - .50% for the life of the loan, based on the Wall Street Journal® Prime Rate. No points, fees, or closing costs.
Rate above is based on borrowing up to 80% of equity in home. ††The annual percentage rate (APR) will not go below 4% at any time during the term of the loan. The maximum lifetime ceiling APR is 8% higher than the initial rate, not to exceed 18% APR. The maximum annual rate adjustment is 3%. .

Mortgage and Home Equity rates subject to change without notice.

†APR=Annual Percentage Rate


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