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Current Rates

Savings Rates as of January 1, 2012

Term Share and IRA Certificate Special Offers ($5000)

	Dividend Rate with Your Choice Checking	APY* with Your Choice Checking	Regular Dividend Rate	Regular APY*
13 Month $5000-$24,999 (Renews for 12 Month Term)	How can I get these rates? 0.45%	0.45%	0.35%	0.35%	Open Now
13 Month $25,000-$49,999 (Renews for 12 Month Term)	0.50%	0.50%	0.40%	0.40%	Open Now
13 Month $50,000- $99,999 (Renews for 12 Month Term)	0.55%	0.55%	0.45%	0.45%	Open Now
13 Month $100,000+ (Renews for 12 Month Term)	0.70%	0.70%	0.60%	0.60%	Open Now

26 Month $5000-$24,999 (Renews for 24 Month Term)	0.75%	0.75%	0.65%	0.65%	Open Now
26 Month $25,000-$49,999 (Renews for 24 Month Term)	0.95%	0.95%	0.85%	0.85%	Open Now
26 Month $50,000-$99,999 (Renews for 24 Month Term)	1.04%	1.05%	0.95%	0.95%	Open Now
26 Month $100,000+ (Renews for 24 Month Term)	1.19%	1.20%	1.09%	1.10%	Open Now

40 Month $5000-$24,999 (Renews for 36 Month Term)	1.04%	1.05%	0.95%	0.95%	Open Now
40 Month $25,000-$49,999 (Renews for 36 Month Term)	1.24%	1.25%	1.14%	1.15%	Open Now
40 Month $50,000-$99,999 (Renews for 36 Month Term)	1.44%	1.45%	1.34%	1.35%	Open Now
40 Month $100,000+ (Renews for 36 Month Term)	1.69%	1.70%	1.59%	1.60%	Open Now

*APY = Annual Percentage Yield. Rate effective October 1, 2011 and is subject to expire at any time. Minimum deposit to open account and to earn APY is $5000. 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 with Your Choice Checking	APY* with Your Choice Checking	Regular Dividend Rate	Regular APY*
3 Month	How can I get these rates? 0.25%	0.25%	0.15%	0.15%	Open Now
6 Month	0.30%	0.30%	0.20%	0.20%	Open Now

*APY = Annual Percentage Yield. Rate effective October 1, 2011 and is subject to change at any time. Minimum deposit to open account and to earn APY is $500. 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 with Your Choice Checking	APY* with Your Choice Checking	Regular Dividend Rate	Regular APY*
12-23 Months	How can I get these rates? 0.35%	0.35%	0.25%	0.25%	Open Now
24-35 Months	0.60%	0.60%	0.50%	0.50%	Open Now
36-47 Months	0.85%	0.85%	0.75%	0.75%	Open Now
48-59 Months	1.59%	1.60%	1.49%	1.50%	Open Now
60 Months	1.98%	2.00%	1.88%	1.90%	Open Now

Money Market Share Account

	Dividend Rate with Your Choice Checking	APY* with Your Choice Checking	Regular Dividend Rate	Regular APY*
Balances under $2,500	How can I get these rates? 0.05%	0.05%	0.05%	0.05%	Open Now
Balances $2,500 - $9,999	0.20%	0.20%	0.10%	0.10%	Open Now
Balances $10,000-$24,999	0.25%	0.25%	0.15%	0.15%	Open Now
Balances $25,000-$49,999	0.30%	0.30%	0.20%	0.20%	Open Now
Balances 50,000-$99,999	0.45%	0.45%	0.35%	0.35%	Open Now
Balances $100,000+	0.60%	0.60%	0.50%	0.50%	Open Now

*APY = Annual Percentage Yield. Rate effective October 1, 2011 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 Rate	APY*
Balances $25-$249	0.05%	0.05%	Open Now
Balances $250-$499	0.10%	0.10%	Open Now
Balances $500-$999	0.15%	0.15%	Open Now
Balances $1000-$1,499	0.20%	0.20%	Open Now
Balances $1500-$1,999	0.25%	0.25%	Open Now
Balances over $2000	0.30%	0.30%	Open Now

*APY = Annual Percentage Yield. Rate effective October 1, 2011 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 Rate	APY*
Balances under $20,000	0.15%	0.15%
Balances $20,000+	0.30%	0.30%

*APY = Annual Percentage Yield. Rate effective October 1, 2011 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	0.05%	0.05%	Open Now

*APY = Annual Percentage Yield. Rate effective October 1, 2011 and is subject to change at any time. $25 minimum deposit is required to open account, earn APY and is due 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	1.98%	2.00%	Open Now
Unbank Checking Qualified Balances $25,000+	0.25%	0.25%	Open Now
Unbank Checking Non-Qualified accounts	0.05%	0.05%	Open Now

Health Savings Account

	Dividend Rate	APY*
Health Savings/Checking Account - All Balances	0.25%	0.25%

Business Savings

	Dividend Rate	APY*
Business Savings ($25 minimum)	0.05%	0.05%

*APY = Annual Percentage Yield. Rate effective October 1, 2011 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

	Regular Dividend Rate	Regular APY*
Balances Under $2,500	0.05%	0.05%
Balances $2,500 - $9,999	0.10%	0.10%
Balances $10,000-$24,999	0.15%	0.15%
Balances $25,000-$49,999	0.20%	0.20%
Balances 50,000-$99,999	0.35%	0.35%
Balances $100,000+	0.50%	0.50%

*APY = Annual Percentage Yield. Rate effective October 1, 2011 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 Rate	APY*
Business Checking Account	0.25%	0.25%

*APY = Annual Percentage Yield. Rate effective October 1, 2011 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.

Consumer Loan Rates Effective October 1, 2011

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 *3.49% APR
New Car Loan (0% Down)	As low as *3.74% APR
Used Car Loan (10% Down)	As low as *3.74% APR
Used Car Loan (0 % Down)	As low as *3.99% APR

Note: New Cars are model year 2010 and newer. Used Cars are model year 2009 and older. Used Car Private Purchase is Used Car Base Rate plus 1.25%. Lease Buyout is Used Car Base Rate plus 1.75%. Cash Out Refinance and Borrowing Against Title is Used Car Base Rate plus 2.50%.

*Rates shown are for new loans only. Existing Connex Credit Union loans do not qualify. Rate of 3.49% is for new vehicles financed for 36 months at a monthly payment of $29.30 for each $1,000 borrowed. Rate of 3.74% is for new vehicles financed for 36 months at a monthly payment of $29.41 for each $1,000 borrowed. Rate of 3.99% is for new vehicles financed for 36 months at a monthly payment of $29.52 for each $1,000 borrowed.

PERSONAL LOANS

	Fixed Rates
Overdraft Plus Line of Credit	*13.75% APR (variable)
Personal / Signature Loan 48 months	As low as *11.00% APR
Personal / Signature Loan 24 months	As low as *10.00% APR

OTHER

Fixed Rates

New Recreational Vehicle As low as 7.75% APR

Used Recreational Vehicle As low as 8.00% APR

Stock Secured As 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.
Rates shown are for new loans only. Existing Connex Credit Union loans are not qualified.

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 October 1, 2011

10-Year Term Special (One Point Paid in First Lien Position)

Term	Loans Less Than $100,000	Payment Example Per $1,000 Financed	Loans $100,000 or More	Payment Example Per $1,000 Financed
10 Years	4.202% APR	$10.12	3.951% APR	$10.00

*APR=Annual Percentage Rate. Rate effective date is October 1, 2011 and subject to changes at any time. Offer may also be withdrawn at any time. Other rates, terms and discount point options are available. $300,000 loan maximum. Proof of homeownership insurance required. Available for Connecticut owner-occupied properties only. Multi-family homes are not eligible. Loan-to-value ratio cannot exceed 80%. Approval will be based on your credit history and other information contained in your credit report. Applies to new mortgages only, refinance of Connex mortgages are not eligible. Must live, work, worship or study in New Haven, Middlesex or Hartford county to be eligible.

Home Equity Loans in First Lien Position (No Points)

Term	Loans Less Than $100,000	Payment Example Per $1,000 Financed	Loans $100,000 or More	Payment Example Per $1,000 Financed
5 Years	4.49% APR	$18.64	4.24% APR	$18.53
7 Years	4.74% APR	$14.01	4.49% APR	$13.90
10 Years	4.99% APR	$10.60	4.74% APR	$10.48
15 Years	5.49% APR	$8.17	5.24% APR	$8.03
20 Years	5.74% APR	$7.02	5.49% APR	$6.87

*Rates above are based on borrowing up to 80% of equity in home. Term of up to 20 years. The APR is the credit union's standard. The rate may vary depending on each individual's credit history and underwriting factors. Effective October 1, 2011. 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 on CT owner-occupied properties only.

Home Equity Loans in Second Lien Position (No Points)

Term	Loans Less Than $100,000	Payment Example Per $1,000 Financed	Loans $100,000 or More	Payment Example Per $1,000 Financed
5 Years	4.74% APR	$18.75	4.49% APR	$18.64
7 Years	4.99% APR	$14.13	4.74% APR	$14.01
10 Years	5.24% APR	$10.72	4.99% APR	$10.60
15 Years	5.74% APR	$8.30	5.49% APR	$8.17
20 Years	5.99% APR	$7.16	5.74% APR	$7.02

Home Equity Line of Credit Rates on October 1, 2011

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

	Fixed Rates
New Recreational Vehicle	As low as *7.75% APR
Used Recreational Vehicle	As low as *8.00% APR
Stock Secured	As low as *7.75% APR