Rates



Loans | Credit Card Rates | Savings | Certificates

Loan Type

APR*
as low as
Term(s)
New Auto Loans
Financing up to 100% available for 2014 models or 2013 models with less than 7,500 miles
2.49% 36 - 72 months Calculators
Used Auto Loans
Financing up to 80% for models 2009 or newer
2.99% 36 - 60 months Calculators
Motorcycles
Financing up to 80% for models 2009 or newer
5.50% 12 - 48 months Calculators
Personal Loans - SPECIAL
Amount of personal loans are dependent on credit rating.
Loans for $2,000 up to $10,000 available
6.49% 12 - 60 months Calculators
Personal Loans
Amount of personal loans are dependent on credit rating.
Loans for $10,001 up to $16,000 available
7.49% 36 - 60 months Calculators
Share Secured Loans
Amount of loan depends directly on available funds on deposit
with the Credit Union. Interest rate can vary depending on
the corresponding rate earned on deposit.
3.25% 12 - 84 months Calculators
VISA Credit Card
A fixed rate credit card line available from $500 up to
$10,000. The rate and line amount are dependent on credit rating.
Credit Card Rates Revolving line Calculators
Overdraft Lines of Credit
This loan compliments your Western Connecticut FCU Checking Account. Lines up to $3,000 available.
6.25% Revolving line Calculators
Home Equity
Loans up to 85% LTV available with fixed rates or 5/1 ARM programs.
3.25% 60 - 180 months Calculators
Home Equity Special
Loans up to 80% LTV with fixed rate.
3.99% 120 months Calculators
Home Equity Line of Credit
Loans up to 80% LTV available. Rate is variable month to
month depending on the Prime Rate. Introductory rate is fixed for the first year.
2.50%
10 year draw and 10 year repayment Calculators
First Mortgage - 5/1 ARM
Loans up to 95% LTV available. Mortgage insurance required over 80% LTV. Interest rate is fixed for the 1st five years, then variable each year thereafter.
3.375% 360 months Calculators
First Mortgage 15 year
Loans up to 80% LTV available. Interest rate is fixed for the term of the loan.
3.50% 180 months Calculators
*APR = Annual Percentage Rate. Rates are effective 7/31/2014. All rates disclosed are dependent on your credit rating. Other rates and terms may apply, please contact the credit union for details.
Application fees are associated with Home Equity and First Mortgage Loans, please contact the credit union for details and more information. The loan department can be reached by calling 203-791-9399, Option 4.


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Type of Savings Account Minimum Deposit Interest Earned on Deposit of Dividend Rate APY
Basic Savings $200 $100 and up 0.05 0.050%
Premium Savings $1,000 $100 and up 0.10 0.100%
Basic Checking
Premium Checking $1,000 $750 and up 0.05 0.050%
Minor/Youth Savings $10 $10 and up 0.25 0.250%
Money Market $2,000 $2,000-$24,999 0.10 0.100%
Money Market $2,000 $25,000-$49,999 0.15 0.150%
Money Market $2,000 $50,000 and up 0.20 0.200%
Financial Freedom Account - ask for details! $10 $10.00 and up 0.35 0.350%
Holiday Club $10 $10 and up 0.30 0.300%
Vacation Club $10 $10 and up 0.30 0.300%
IRA Share/Health Savings $10 $10 and up 0.25 0.250%
Growth Share

Increase $500 or more, exclusive of dividends, each month and earn 0.15% APY* during the next month. Earn 0.05% APY* as a minimum rate if the increase is not made that month. The account becomes a basic share account if the increase is not made for two consecutive months.
$500 $500 and up 0.15 0.150%

Rates are subject to change without notice. Rates effective 8/1/2014.

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Regular, Term and and IRA Certificates
Minimum Deposit $2,500.00
Term Dividend Rate APY*
6 months 0.15 0.150%
12 months 0.25 0.250%
14 months Special Offer** 0.65 0.652%
18 months 0.30 0.300%
24 months 0.40 0.401%
36 months 0.75 0.753%
48 months 1.00 1.005%
60 months 1.25 1.258%

*APY = Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividends are compounded monthly and are credited on a monthly basis. The balance used to pay dividends is the average daily balance per calendar month. Rates effective 8/21/2014.
** 14 month Certificate Special for new money only. Minimum opening deposit of $2,500 and maximum deposit is $50,000 per member. Term is 14 months, early withdrawal penalty equal to 90 days dividend applies. Offer available for regular deposits and IRA deposits. Please see credit union for further details.

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Rates
Type APR*
Personal Loan SPECIAL6.49%
10 Year Fixed Home Equity3.99%
New Auto up to 60 months2.49%
Type APY**
Financial Freedom Account0.35%
14 month Certificate0.652%
48 month certificate1.005%
* APR may vary month to month based on the Prime Rate. All rates disclosed are dependent on your credit rating. Other rates and terms may apply, please contact the credit union for details.
** APY as high as amount shown. APY=Annual Percentage Yield. Rates subject to change.