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Current Rates

 

Current Rates

The rate you pay will be determined by the term and your credit history. Rates available upon approved credit.

All loans are subject to credit approval, underwriting guidelines, and membership eligibility.

Rates as of October 14, 2019  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 October 14, 2019 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.

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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 October 14, 2019 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 October 14, 2019 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?
       
$0 - $2,499.99 0% 0% 0% 0% Open Now
$2,500 - $9,999 0.20% 0.20% 0.10% 0.10% Open Now
$10,000 - $24,999 0.25% 0.25% 0.15% 0.15% Open Now
$25,000 - $49,999 0.30% 0.30% 0.20% 0.20% Open Now
$50,000 - $99,999 0.35% 0.35% 0.25% 0.25% Open Now
$100,000+ 0.40% 0.40% 0.30% 0.30% Open Now
 

*APY = Annual Percentage Yield. Rate effective October 14, 2019 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.

 

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

  Dividend Rate APY*  
Balances
$0-$24.99
0% 0% Open Now
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 14, 2019 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 October 14, 2019 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
$0 - $24.99 0.00% 0.00% Open Now
 

*APY = Annual Percentage Yield. Rate effective October 14, 2019 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 October 14, 2019 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 October 14, 2019 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 October 14, 2019 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 October 14, 2019 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 October 14, 2019 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 October 14, 2019

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 3.04% APR* Apply Now
Used Car Loan As low as 3.34% APR* Apply Now
 

Note: New Cars are model year 2016 and newer. Used Cars are model year 2015 and older. Other rates apply for model years 2012 through 2009. Private Purchase on model year 2013 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 3.04% APR is for vehicles model year 2016 and newer financed for 36 months at a monthly payment of $29.10 for each $1,000 borrowed. Rate of 3.34% APR is for used vehicles model year 2015 and older financed for 36 months at a monthly payment of $29.24 for each $1,000 borrowed.

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MOTORCYCLE LOANS

  Fixed Rates  
New Motorcycle Loan As low as 3.89% APR* Apply Now
Used Motorcycle Loan As low as 4.19% APR* Apply Now

*APR=Annual Percentage Rate. Rates are determined by your credit history and model year. A new motorcycle loan, model years 2017-2019, has a rate as low as 3.89% with terms up to 60 months. A new motorcycle loan at 3.89% for 60 months has a payment of $18.37 per $1,000 borrowed. A used motorcycle loan, model years 2013-2016, has a rate as low as 4.19% with terms up to 60 months. A used motorcycle loan at 4.19% for 60 months has a payment of $18.51 per $1,000 borrowed. Ask about financing for older models. Rates valid as of October 14, 2019, and subject to change or may be withdrawn at any time. Existing Connex Credit Union loans do not qualify. A $25 balance in your Connex share savings account required.

PERSONAL LOANS

  Rates  
Overdraft Plus Line of Credit 15.50% APR (variable)* Apply Now
Personal / Signature Loan 12-24 months 7.99% APR** Apply Now
Personal / Signature Loan 36-60 months 8.99% APR** Apply Now
     


*Variable Rate Overdraft Plus Line of Credit: For all advances the Annual Percentage Rate (APR) is subject to change the first day of the month during which your 6 month anniversary occurs and every 6 months thereafter. The Annual Percentage Rate (APR) for new and existing balances will be the previous two month's average of the 26 Week Treasury Bill Auction Rate (Index), rounded to the next higher .25%, plus a Margin of 13.50%. We will use the most recent Index value available to us as of the last of the month preceding any annual percentage rate adjustment. The APR will change on the first day of each month to reflect any change in the Index. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.

**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. A $25 balance in your share savings account is required. Rate of 8.99% is for a 5-year signature loan at a monthly payment of $20.76 for each $1,000 borrowed. A $25 balance in your share savings account is required.

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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
 

*APR= Annual Percentage Rate. 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 do not qualify. Rate of 7.25% APR is for a 5-year recreational vehicle loan at a monthly payment of $19.93 for each $1,000 borrowed. Rate of 7.50% APR is for a 5-year recreational vehicle loan at a monthly payment of $20.05 for each $1,000 borrowed.  A $25 balance in your share savings account is required.

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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 Loan Originator NMLS Status - Check your loan originator's status here.

 

 

Home Equity Loan Rates on October 14, 2019

Home Loan Originator NMLS Status - Check your loan originator's status here.

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 3.74% APR* $18.30 3.49% APR* $18.19 Apply Now
7 Years 4.24% APR* $13.78 3.99% APR* $13.66 Apply Now
10 Years 3.74% APR* $10.00 3.49% APR* $9.88 Apply Now
15 Years 3.99% APR* $7.39 3.74% APR* $7.27 Apply Now
20 Years 4.61% APR* $6.39 4.49% APR* $6.33 Apply Now
 

* APR = Annual Percentage Rate. Fixed Rates above are based on borrowing up to 80% of equity in home.  Term up to 20 years.  Up to 100% loan-to-value financing available, higher rates apply. 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. Not available for homes currently for sale.  Refinancing existing Connex home equities not eligible.  All loans are subject to credit and underwriting approval. Home Equity Loans have no application fee and no closing costs. Other terms and conditions may apply. A $25 balance in your Connex share savings account required. Interest may be tax deductible, please consult your tax advisor.

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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 3.99% APR* $18.42 3.74% APR* $18.30 Apply Now
7 Years 4.49% APR* $13.90 4.24% APR* $13.79 Apply Now
10 Years 3.99% APR* $10.12 3.74% APR* $10.01 Apply Now
15 Years 4.49% APR* $7.65 4.24% APR* $7.52 Apply Now
20 Years 5.49% APR* $6.87 5.24% APR* $6.73 Apply Now
 

* APR = Annual Percentage Rate. Fixed Rates above are based on borrowing up to 80% of equity in home.  Term up to 20 years.  Up to 100% loan-to-value financing available, higher rates apply. 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. Not available for homes currently for sale.  Refinancing existing Connex home equities not eligible.  All loans are subject to credit and underwriting approval. Home Equity Loans have no application fee and no closing costs. Other terms and conditions may apply. A $25 balance in your Connex share savings account required. Interest may be tax deductible, please consult your tax advisor.

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Home Equity Line of Credit Rates on October 14, 2019

Current rate is an introductory rate of 3.99% APR for 12 billing cycles

Apply

 

APR = Annual Percentage Rate – New Home Equity Lines of Credit with an introductory Annual Percentage Rate (APR) of 3.99% are available as of 10/14/19. The introductory rate of 3.99% is for 12 billing cycles from the funding date. After that, a variable rate based on an Index minus 0.25% will be used. The Index is the highest United States Prime Rate as published in the Eastern Edition of The Wall Street Journal on the last business day before the start of each month’s billing cycle. As of 9/19/19, the Prime Rate was 5.00%. The APR cannot fall below the minimum of 3.00% nor exceed a maximum of 18.00%. Obtain credit advances for 10 years (Draw Period), make interest only payments or principal and interest payments during this period, then repay the remaining balance over the next 10 years (Repayment Period). Principal balance will not decrease if interest-only payments are made. The maximum combined loan-to value ratio (existing mortgage loan balances plus Home Equity Credit Line limit) is 80% of appraised value. The minimum line of credit amount is $10,000 and up to a maximum of $300,000. The minimum credit advance that you can make is $500. Third party fees may need to be reimbursed if the loan is closed within the first 24 months.

Home Equity Lines of Credit have no application fee, no closing costs, and no annual fee. Proof of homeowners insurance required. CT owner-occupied properties only. Not available for homes currently for sale.  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. Interest may be tax deductible, please consult your tax advisor. All loans are subject to credit and underwriting approval. Refinancing existing Connex home equities not eligible.

 

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Routing Number: 211178200

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