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At Connex, we are dedicated to helping our members achieve financial success.

Our Pathways Savings Account earns a high rate of 3.50% APY* on balances up to $1,000.00. Balances of $1,000.01 or greater earn our standard rate of 0.05% APY. One account per social security number.

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This high rate is a great incentive to begin your Emergency Fund, so you’re prepared the next time you’re faced with an unexpected expense.

Our Financial Advocates will work with you to create a financial plan, using our Pathways Savings Account as a first step. For your convenience, call 1-800-CR-UNION to schedule an appointment at the Connex branch of your choice. An appointment is not required, but recommended.

*APY=Annual Percentage Yield

Pathways Checking is designed to help you manage your checking account successfully. A Pathways Checking account is certified by the national Cities for Financial Empowerment Fund (CFE Fund) as meeting the BankOn National Standards (2023-2024).

FREQUENTLY ASKED QUESTIONS ABOUT PATHWAYS CHECKING

How do I qualify for a Pathways Checking account?

To be eligible for Pathways Checking, you must meet membership requirements including live, work, worship, or attend school in Fairfield, Hartford, Middlesex, or New Haven County. As a condition of membership, you must maintain a minimum share savings balance of $25.

How do I open a Pathways Checking Account?

Pathways Checking can be opened online or at a Connex branch. For your convenience, you can also call us at 203-603-5700 to schedule an appointment to meet with a Financial Advocate.

Are there fees associated with Pathways Checking?

The Pathways Checking monthly fee is $4.95.

What happens if I inadvertently overdraw my Pathways Checking account?

There are no Overdraft Fees. If your account has insufficient funds to process a withdrawal transaction including ACH, draft check, ATM, point–of–sale, pre-authorized automatic debit, telephone, transfer transaction, bill pay, or other initiated withdrawal, your withdrawal transaction will be declined and draft checks will be returned to payee as Non-Sufficient Funds. Returned deposited items and the monthly fee may result in overdrawing your account; no fee will be charged.

Does Pathways Checking offer overdraft protection?

Pathways Checking accounts are not eligible for Courtesy Pay or overdraft protection. Purchases will be declined at point-of-sale and checks will be returned to the merchant as unpaid should you not have sufficient funds in your account.

How do I monitor my Pathways Checking account balance and transactions?

Free Online Banking is available at connexcu.org or you can use our free Mobile app.

Are there transaction restrictions with Pathways Checking?

There are no transaction restrictions with Pathways Checking.

Do I earn dividend on my Pathways Checking account?

There is no dividend paid on Pathways Checking accounts.

Need to build or rebuild your credit?

Maybe you have not yet established credit or have a poor payment history - two situations that can be challenging. Connex's Pathways Credit Building Loan program helps members reach their financial goals while also helping them build or rebuild their credit history.

Here's how it works:

1. You borrow from $1,000 to $2,000 for 12 or 24 months at a fixed rate of 5.99% APR.*

2. The funds borrowed are placed in a Special Purpose Savings Account (SPA) and earns interest as long as your account is in good standing/repayment.

3. You will make regular monthly principal and interest payments to repay the amount you borrowed. At maturity, you will have the choice to withdraw the loan proceeds from the SPA account or work with a Financial Advocate who will help you use those funds to achieve your financial goals.

To participate, you must be a Connex member, 18 years or older, and have minimum 2 years consecutive employment. Other terms and conditions apply.

Please contact us at 1-800-CR-UNION or stop by a branch for further details.

*APR – Annual Percentage Rate. Estimated cost per $1,000 calculated on a maximum term of 5.99% for 24 months equals a monthly payment of $44.32 for 23 months and one payment of $44.17. Results not guaranteed. Improvement in credit score dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month will result in negative reporting to your credit report which will not improve your credit history. This product will not repair your credit, and negative credit history will not be removed from your credit report as a result of this program. Subject to approval.

Strengthen Your Finances Today

The VISA® Secured Card provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.

How does it work?

• Simply open a secured savings account. Upon approval, the secured savings account will be opened and pledged as security for your credit card account
• Merchants and retailers won't know your card is secured when you use it to make purchases
• Remember, late payments and going over the credit limit may damage your credit history
• Up to $5,000 credit limit

Minimum Requirements

Click here to learn more and to apply.

Are you finding saving a challenge?? Then the Save to Win account may be for you! This is a prize-linked 12-month Share Certificate that helps you build savings while also giving you the chance to win prizes. Members who find saving challenging have the opportunity to start a regular savings plan that can help improve their financial picture in the long run. It's a great way to get into the habit of consistently putting funds aside - and potentially win extra cash!

Click here for more details about Save to Win. Only $25 is needed to open the account!