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Current Rates

 

Current Rates

Rates as of February 19, 2018  Printable PDF of rates

Term Share and IRA Certificate Special Offers ($5,000 minimum)

  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
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 February 1, 2018 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.

Term Share and IRA Certificate Special Offers ($500 Minimum)

  Regular
Dividend Rate
Regular APY*  
           
13 Month*
$500+ (Renews for 12 Month Term)
1.75% 1.75%

Click Here

for Details

23 Month*
$500+ (Renews for 24 Month Term)
2.05% 2.05%

Click Here

for Details

 

*APY= Annual Percentage Yield. The 13-month and 23-month Certificates of Deposit (CD) are available from February 1, 2018 through February 28, 2018. Advertised rate is available exclusively for deposit funds that are new to Connex Credit Union. Funds currently on deposit at Connex are not eligible. At maturity, the 13-month certificate rolls over to a 12-month certificate at the current rate and the 23-month certificate rolls over to a 24-month certificate at the current rate. Penalties imposed for early withdrawal. Subject to change without notice and may be withdrawn at any time. Additional terms and conditions may apply. A $25 balance in your share savings account is required. Minimum deposit is $500.

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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 February 1, 2018 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 February 1, 2018 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
$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
0.35% 0.35% 0.25% 0.25%

Open Now

Balances
$100,000+
0.40% 0.40% 0.30% 0.30%

Open Now

 

*APY = Annual Percentage Yield. Rate effective February 1, 2018 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 February 1, 2018 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 February 1, 2018 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 February 1, 2018 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 February 1, 2018 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 February 1, 2018 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 February 1, 2018 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
0.10% 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
0.25% 0.25%
Balances
$100,000+
0.30% 0.30%
 

*APY = Annual Percentage Yield. Rate effective February 1, 2018 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 February 1, 2018 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 February 1, 2018

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 2.24% APR* Apply Now
Used Car Loan As low as 2.59% APR* Apply Now
 

Note: New Cars are model year 2015 and newer. Used Cars are model year 2014 and older. Other rates apply for model years 2011 through 2008. Private Purchase on model year 2012 and newer, add 1.25% to the Car Base Rate. 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 2.24% APR is for vehicles model year 2015 and newer financed for 36 months at a monthly payment of $28.75 for each $1,000 borrowed. Rate of 2.59% APR is for used vehicles model year 2014 and older financed for 36 months at a monthly payment of $28.90 for each $1,000 borrowed.

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STUDENT LOANS

  Rates  
Undergraduate Line of Credit As low as 7.00% APR (variable) Apply Now

 

PERSONAL LOANS

  Rates  
Overdraft Plus Line of Credit 15.00% APR (variable) Apply Now
Personal / Signature Loan 60 months As low as 6.99% APR* Apply Now


*APR = Annual Percentage Rate. 6.99% is for personal loan term up to 60 months. At a 60 month term loan the monthly payment would be $19.80 for each $1,000 borrowed. Other rates and terms are available. Maximum loan amount is $20,000. Programs, rates, terms, and conditions are subject to change and may be withdrawn without notice. The rate you pay will be determined by the term of the loan, your credit history, and other factors. Rates available on approved credit. A $25 balance in your share savings account is required. Other terms and conditions may apply. Refinancing existing Connex loans not eligible. Offer good as of January 2, 2018. Must apply by March 31, 2018.

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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
 

*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 February 19, 2018

 

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 4.74% APR $7.77 4.49% APR $7.64 Apply Now
20 Years 4.99% APR $6.59 4.74% APR $6.46 Apply Now
 

*Rates above are based on borrowing up to 80% of equity in home. Term of up to 20 years.  The rate may vary depending on each individual's credit history and underwriting factors. Effective February 19, 2018. 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 $13.79 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 rate may vary depending on each individual's credit history and underwriting factors. Effective February 19, 2018. 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 February 1, 2018

Current rate is 4.25% APR †

Apply

 

†Note: APR= Annual Percentage Rate.  The APR is a variable rate based on the Wall Street Journal’s Prime Rate minus .25%. As of 1/2/18, Prime Rate is 4.50% with an APR of 4.25%. The APR will never go below 3.00% and the maximum is 18.00%. The maximum combined (existing mortgage loan balance plus Home Equity Credit Line limit) loan-to-value ratio (“LTV”) is 80% of market value. The minimum line of credit amount is $10,000. The maximum line of credit is $300,000 with LTVs up to 80%. The minimum credit advance that you can receive is $500. There is no application fee, no closing costs, no annual fee, however third party fees may need to be reimbursed if the loan is closed within the first 24 months. Proof of homeowners insurance required. CT owner-occupied properties only. Programs, rates, terms, and conditions are subject to change and may be withdrawn without notice. Other terms and conditions may apply. A $25 balance in your Connex share savings account required. Up to 100% loan-to-value financing available, higher rates apply. All loans are subject to credit review. Rates are based on an evaluation of credit history and CLTV (combined loan-to-value ratio), so your rate may differ.

 

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Routing Number: 211178200

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