Member Products & Services

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LOANS

 Auto Loans

Banks don't make big profits from auto loans. At the Unbank, Connex Credit Union, we're not looking to make big profits. It's mobility first, profits second. Which is why we take your auto loan a lot more seriously, with great rates and features for new and used vehicles, like:

• Pre-qualifying before you shop
• Up to 100% financing
• Flexible terms from 24 to 60 months
• No loan fees^*
• Rates as low as 3.49% APR^**
• Fixed and variable rate options available
• Save time with our quick decisions to make the process easy
• Peace of mind with Guaranteed Asset Protection (GAP Insurance) at a low cost
• Payment protection plans available

You can even refinance an existing loan you have somewhere else. Just live, work, worship or attend school in New Haven, Middlesex or Hartford counties and you qualify.

To get an idea on how much you can afford, click below to use our handy auto loan payment calculator for an esimate.^***

Apply for your Auto Loan.

^*Loan may be subject to a $35 fee to Department of Motor Vehicles.
^**Annual Percentage Rate of 3.49% is for new vehicles financed for 36 months with 10% down payment and a monthly payment of $20.50 for each $1,000 borrowed. Rate is effective October 1, 2011 and subject to change without notice. Other rates and terms are available. 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. Loans being refinanced from another financial institution must be at least 6 months old.
***The Loan Calculator is intended to provide approximate information about your loan payments and does not constitute an offer to extend credit. Your actual payment information may vary.

One-Stop Auto Loan Shopping

Save yourself a trip to our office for your vehicle loan. Our Dealer Connex Program lets you apply for your Connex Credit Union auto loan right at participating dealerships. We've teamed up with these select dealerships to provide Connex Credit Union auto loan financing for both current and eligible members*.

For a list of participating dealers by auto make:

For a list of participating dealers by city:

*Membership is open to anyone who lives, works, attends school, or worships in New Haven County, Hartford County, or Middlesex County.

Recreational Vehicle Loans

Check with us for financing your recreational vehicles

• Motor Homes
• Boats
• Motorcycles
• Terms up to 10 years

Apply for your Recreational Vehicle Loan.

*Rate of 7.75% APR for New Recreational Vehicles is financed for 10 years at a monthly payment of $12.00 for each $1,000 borrowed. The rate you pay will be determined by the term of the loan and your credit. Rates available on approved credit. Rates shown are for new loans only. Existing Connex Credit union loans are not qualified. APR=Annual Percentage Rate.

Equity Loans

At Connex Credit Union you will find the equity product you need to make your greatest asset - your home - work for you.

Home Equity Line of Credit

Please note: In order to process your Home Equity Line of Credit Application as soon as possible, the following documents will be required in addition to your completed application:

1. Copies of two (2) of your most recent paystubs (applicant and co-applicant, if applicable). If self-employed or if salary is based on commissions, last two years' federal tax returns, including all schedules.
2. Proof of ownership (i.e. copy of property tax bill).
3. Recent statement from current mortgage holder showing balance and monthly payment.
4. If the proceeds are to be used for debt consolidation, please list on a separate sheet of paper: creditor, account #, and dollar amount to be paid.

If you have any questions or need further information please contact us at 1-800-CR-UNION.

Apply for your Home Equity Line of Credit.

Fixed Rate Home Equity Loan

If you prefer a fixed rate, now you can borrow up to 80% of the equity in your home, up to a maximum of $300,000. These loans are fixed rate loans which means that your rate and monthly payment will not change for the entire term of your loan.

• No Points, application fees or closing costs
• Fixed rate,* multiple terms available

Please note: In order to process your Home Equity Loan Application as soon as possible, the following documents will be required in addition to your completed application:

1. Copies of two (2) of your most recent paystubs (applicant and co-applicant, if applicable). If self-employed or if salary is based on commissions, last two years' federal tax returns, including all schedules.
2. Proof of ownership (i.e. copy of property tax bill).
3. Recent statement from current mortgage holder showing balance and monthly payment.
4. If the proceeds are to be used for debt consolidation, please list on a separate sheet of paper: creditor, account #, and dollar amount to be paid.

Take advantage of the equity in your home and the potential tax benefits of a Home Equity Loan. Call 1-800-CR-UNION and talk to one of our Loan Professionals for additional information and current rates.

Apply for your Home Equity Loan.

*Some restrictions may apply.

Reverse Mortgage Solution

A Reverse Mortgage is a loan that allows homeowners to tap into the equity in their homes. The funds from a Reverse Mortgage can be used for anything: daily living expenses, home repairs or modifications, health care expenses, to pay off existing debt, and other needs. Reverse mortgages are especially attractive to homeowners who have retired and no longer have sufficient income to qualify for traditional home equity loans.

At Connex Credit Union, we've developed a Home Equity product that answers the needs of members who want the cash flow potential of a Reverse Mortgage, without the high fees. Our Equity Solution allows members to establish a line of credit, using their home's equity as collateral, with no points, closing costs, or servicing fees. And, there are no income qualifications.

If you or your family members have considered a Reverse Mortgage, our Equity Solution product can provide a viable alternative.

In addition, Connex Credit Union is pleased to announce a new service available to our senior members that offers a government-insured Reverse Mortgage to any homeowner, age 62 or older, with equity in their home. A Reverse Mortgage can reduce your monthly expenses and subsidize your monthly income.

Since your home is probably your largest single investment, it is important that homeowners consider their plans carefully and get appropriate advice from an attorney, accountant or other reliable professional source before making decisions. We suggest also visiting the AARP website to review articles regarding reverse mortgages and to see how Connex Credit Union's "Equity Solution" product compares.

Take advantage of the equity in your home!  Contact our qualified Mortgage Specialist today and learn more about this exciting opportunity with no obligation. Call toll-free 1-800-CR-UNION, ext. 5720, or 203-603-5720.

Personal Loans

Personal/Signature Loan

Whether you need to consolidate credit card debt, pay off holiday bills, pay your taxes, buy gifts for special occasions, or take the family on vacation, our Personal Loan is ready for you. This loan features:

• 24 and 48-month terms
• Up to $10,000 maximum
• Competitive Fixed Rates
• Tuition Assistance (for parents)
• Low-cost payment protection available
• Easy process - apply online 24 hours a day, 7 days a week,  visit any branch office, or call 1-800-CR-UNION to speak to a Loan Officer

Apply for your Personal/Signature Loan.

Overdraft Plus Line of Credit

Our variable-rate Overdraft Plus Line of Credit will protect you from the embarrassment and expense of bounced checks, while allowing easy access to a line of credit for purchases and cash.

• Credit line up to $5,000 is available
• Minimum monthly payment is 2 1/2% of outstanding balance or $50, whichever is less
• Receive a bill reminder each month with your payment information

Apply for your Overdraft Plus Line of Credit by phone at 1-800-CR-UNION or online. If you currently have an Overdraft Line of Credit and would like to convert to our new Overdraft Plus Line of Credit, please call a Member Service Representative for assistance.

Apply for your Overdraft Line of Credit.

Secured Loans

Borrow against your own savings for any of your borrowing needs. It's a great way to put your outstanding investments to work for you!

Stock Secured Loan

• Borrow up to 75% of the value of your stock.
• Stock Certificate will be held as collateral until your loan is paid in full.

Share Secured Loan

• Secured by your Savings account.
• Borrow up to 100% of your available savings (if qualified).
• Terms up to 60 months.
• Loans start at $500.

Certificate Secured Loan

• Secured by your Share Certificate.
• Borrow up to 100% of your certificate.

Apply for your Secured  Loan.

 

¹Membership is open to anyone who lives, works, worships or attends school in New Haven, Hartford or Middlesex Counties.