Current Rates

 

Current Rates

Rates as of January 1, 2017 -Printable PDF of rates

Term Share and IRA Certificate Special Offers

  Dividend Rate with Your Choice Checking APY* with Your Choice Checking Regular
Dividend Rate
Regular APY*  
  How can I get
these rates?
       
13 Month
$5000-$24,999 (Renews for 12 Month Term)
0.35% 0.35% 0.25% 0.25% Open Now
13 Month
$25,000-$49,999 (Renews for 12 Month Term)
0.40% 0.40% 0.30% 0.30% Open Now
13 Month
$50,000- $99,999 (Renews for 12 Month Term)
0.45% 0.45% 0.35% 0.35% Open Now
13 Month
$100,000+ (Renews for 12 Month Term)
0.50% 0.50% 0.40% 0.40% Open Now
15 Month
$500+ (Renews for 12 Month Term)
1.39% 1.40% 1.39% 1.40% Visit a branch
26 Month
$5000-$24,999 (Renews for 24 Month Term)
0.55% 0.55% 0.45% 0.45% Open Now
26 Month
$25,000-$49,999 (Renews for 24 Month Term)
0.60% 0.60% 0.50% 0.50% Open Now
26 Month
$50,000-$99,999 (Renews for 24 Month Term)
0.65% 0.65% 0.55% 0.55% Open Now
26 Month
$100,000+ (Renews for 24 Month Term)
0.70% 0.70% 0.60% 0.60% Open Now
40 Month
$5000-$24,999 (Renews for 36 Month Term)
0.90% 0.90% 0.80% 0.80% Open Now
40 Month
$25,000-$49,999 (Renews for 36 Month Term)
0.95% 0.95% 0.80% 0.80% Open Now
40 Month
$50,000-$99,999 (Renews for 36 Month Term)
0.99% 1.00% 0.90% 0.90% Open Now
40 Month
$100,000+ (Renews for 36 Month Term)
1.19% 1.20% 1.09% 1.10% Open Now
 

*APY = Annual Percentage Yield. Rate effective January 9, 2017 and is subject to expire at any time. Minimum deposit to open account and to earn APY is $5000 (15-month CD minimum deposit is $500). 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.

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Standard Term Share Certificates ($500 Minimum)

  Dividend Rate with Your Choice Checking APY* with  Your Choice Checking Regular Dividend Rate Regular APY*  
  How can I get
these rates?
       
3 Month 0.20% 0.20% 0.10% 0.10% Open Now
6 Month 0.30% 0.30% 0.20% 0.20% Open Now
 

*APY = Annual Percentage Yield. Rate effective January 1, 2017 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. Your Choice Checking requires full Direct Deposit or a $5 monthly fee is imposed.

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Standard Term Share and IRA Certificates ($500 Minimum)

  Dividend Rate with Your Choice Checking APY* with Your Choice Checking Regular Dividend Rate Regular APY*  
  How can I get
these rates?
       
12-23 Months 0.55% 0.55% 0.45% 0.45% Open Now
24-35 Months 0.65% 0.65% 0.55% 0.55% Open Now
36-47 Months 0.99% 1.00% 0.90% 0.90% Open Now
48-59 Months 1.09% 1.10% 0.99% 1.00% Open Now
60 Months 1.34% 1.35% 1.24% 1.25% Open Now
 

*APY = Annual Percentage Yield. Rate effective January 1, 2017 and is subject to change at any time. Minimum deposit to open account and to earn APY is $500 (Save to Win CD minimum deposit is $25). Maximum deposit of $250,000. A penalty will be imposed for early withdrawal. Share certificate dividends are compounded daily and paid monthly. Your Choice Checking requires full Direct Deposit or a $5 monthly fee is imposed.

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Money Market Share Account

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

*APY = Annual Percentage Yield. Rate effective January 1, 2017 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. Your Choice Checking requires full Direct Deposit or a $5 monthly fee is imposed.

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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 January 1, 2017 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.After Age 25 funds will move to a regular Money Market Share Account

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IRA Share Account

  Dividend Rate APY*
Balances under
$20,000
0.10% 0.10%
Balances
$20,000+
0.15% 0.15%
 

*APY = Annual Percentage Yield. Rate effective January 1, 2017 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.

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Regular Share Account

  Dividend Rate APY*  
$25.00 and Over 0.05% 0.05% Open Now
 

*APY = Annual Percentage Yield. Rate effective January 1, 2017 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.

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Checking Account

  Dividend Rate APY*  
Your Choice Checking 0.05% 0.05% Open Now
Unbank Checking Qualified Balances $0-$25,000 1.24% 1.25% Open Now
Unbank Checking Qualified Balances $25,000+ 0.10% 0.10%  
Unbank Checking Non-Qualified accounts 0.05% 0.05%  
 

*APY = Annual Percentage Yield. Rate effective January 1, 2017 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. Your Choice Checking requires full Direct Deposit or a $5 monthly fee is imposed.

For full Unbank Checking qualifications click here.

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Health Savings Account

  Dividend Rate APY*
Health Savings/Checking Account - All Balances 0.10% 0.10%
 

*APY = Annual Percentage Yield. Rate effective January 1, 2017 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.

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Business Savings

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

*APY = Annual Percentage Yield. Rate effective January 1, 2017 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. 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.

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Business Money Market

  Regular Dividend Rate Regular APY*
Balances
Under $2,500
0.05% 0.05%
Balances
$2,500 - $9,999
0.05% 0.05%
Balances
$10,000-$24,999
0.10% 0.10%
Balances
$25,000-$49,999
0.15% 0.15%
Balances
50,000-$99,999
0.20% 0.20%
Balances
$100,000+
0.30% 0.30%
 

*APY = Annual Percentage Yield. Rate effective January 1, 2017 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.

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Business Checking

  Dividend Rate APY*
Business Checking Account 0.10% 0.10%
 

*APY = Annual Percentage Yield. Rate effective January 1, 2017 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 January 1, 2017

Rates shown are for new loans only. Existing Connex Credit Union loans do not qualify.

AUTO LOANS

  Fixed Rates  
New Car Loan As low as 1.99% APR* Apply Now
Used Car Loan As low as 2.29% APR* Apply Now
 

Note: New Cars are model year 2014 and newer. Used Cars are model year 2013 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%.

*The rate you pay will be based on the term of the loan and your credit history. Higher rates may apply depending on model year, used car private purchases, lease buyouts or cash out refinancing. APR= Annual Percentage Rate. Rates shown are for new loans only. Existing Connex Credit Union loans do not qualify. Rate of 1.99% APR is for vehicles model year 2014 and newer financed for 36 months at a monthly payment of $28.65 for each $1,000 borrowed. Rate of 2.29% APR is for used vehicles model year 2013 and older financed for 36 months at a monthly payment of $28.78 for each $1,000 borrowed.

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STUDENT LOANS

  Fixed Rates  
Undergraduate Line of Credit As low as 6.00% APR (variable) Apply Now

 

PERSONAL LOANS

  Fixed Rates  
Overdraft Plus Line of Credit 14.00% APR* (variable) Apply Now
Personal / Signature Loan 60 months As low as 8.99% APR* Apply Now
Personal / Signature Loan 24 months As low as 7.99% APR* Apply Now


*The rate you pay will be determined by the term of the loan and your credit history. Rates available on approved credit. APR= Annual Percentage Rate. Rate of 7.99% APR is for a 2-year signature loan at a monthly payment of $45.24 for each $1,000 borrowed. Rate of 8.99% APR is for a 5-year personal loan at a monthly payment of $20.76 for each $1,000 borrowed.

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OTHER

  Fixed Rates  
New Recreational Vehicle As low as *7.25% APR Apply Now
Used Recreational Vehicle As low as*7.50% APR Apply Now
Stock Secured As low as*7.25% APR Call 800-CR-UNION To Apply
 

*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.

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Mortgage Rates

Rates are 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 January 9, 2017

Rates shown are for new loans only. Existing Connex Credit Union loans do not qualify.

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 3.70% APR $9.89 3.449% APR $9.77 Apply Now
 

*APR=Annual Percentage Rate. Rate effective date is January 9, 2017 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 home ownership 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, Hartford or Fairfield county to be eligible.

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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 3.49% APR $18.41 3.24% APR $18.08 Apply Now
7 Years 4.24% APR $13.78 3.99% APR $13.66 Apply Now
10 Years 4.49% APR $10.36 4.24% APR $10.24 Apply Now
15 Years 4.99% APR $7.90 4.74% APR $7.77 Apply Now
20 Years 5.11% APR $6.66 4.99% APR $6.59 Apply Now
 

*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 January 9, 2017. 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.

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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 3.74% APR $18.30 3.49% APR $18.19 Apply Now
7 Years 4.49% APR $13.90 4.24% APR $13.78 Apply Now
10 Years 4.74% APR $10.48 4.49% APR $10.36 Apply Now
15 Years 5.24% APR $8.03 4.99% APR $7.90 Apply Now
20 Years 5.49% APR $6.87 5.24% APR $6.73 Apply Now
 

*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 January 9, 2017. 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.

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Home Equity Line of Credit Rates on January 1, 2017

Current rate is 4.00% APR †

Apply

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. This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate includes only interest and no other costs. The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us on the 25th of each month (or the first publication following the 25th) before any annual percentage rate adjustment. To determine the annual percentage rate that will apply to your account, we add a margin to the value of the Index. Ask us for the current index value, margin and annual percentage rate. After you open a plan, rate information will be provided on periodic statements that we send you. For Home Equity Loans and Home Equity Lines of Credit rates may vary depending on each individual’s credit history and underwriting factors. 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.The minimum line of credit amount is $10,000, and theminimum credit advance that you can receive is $500 for the first advance and $500 for each subsequent advance. Home Equity financing available on CT owner-occupied properties only. Rates shown are for new loans only. Existing Connex Credit Union loans do not qualify.

*Connex Credit Union absorbs all third party costs associated with your loan. The Good Faith Estimate and final documentation you receive will include an estimate of your annual homeowners insurance which is paid separately by you.

**RATE CHANGES: The annual percentage rate can change on the first day of each month. The rate cannot increase or decrease more than 3 percentage points in any one year period. The ANNUAL PERCENTAGE RATE cannot increase more than 8 percentage points above the initial rate or the maximum permitted by law, whichever is less. However, under no circumstances will your ANNUAL PERCENTAGE RATE go below 4% at any time during the term of the plan.

 

 

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Routing Number: 211178200

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Your savings federally insured to at least $250,000 and backed in full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.