Consumer Deposit Accounts
Certificates of Deposit** Effective Date: December 3, 2024 |
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Account Type | Minimum Opening Deposit Required |
Interest Rate | APY* | Minimum to Obtain APY |
|
91 Day CD | $500 | 0.10% | 0.10% | $500 | How to Open |
6 Month CD | $500 | 3.78% | 3.85% | $500 | Open |
1 Year CD | $500 | 0.35% | 0.35% | $500 | Open |
18 Month CD | $500 | 0.40% | 0.40% | $500 | Open |
2 Year CD | $500 | 0.50% | 0.50% | $500 | Open |
3 Year CD | $500 | 0.99% | 1.00% | $500 | Open |
4 Year CD | $500 | 1.24% | 1.25% | $500 | Open |
5 Year CD | $500 | 1.49% | 1.50% | $500 | Open |
IRA Special** Effective Date: December 3, 2024 |
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Account Type | Minimum Opening Deposit Required |
Interest Rate | APY* | Minimum to Obtain APY |
|
1 Year IRA | $500 | 2.96% | 3.00% | $500 | Open |
**Penalty for early withdrawal may apply.
Consumer Checking & Money Market Accounts Effective Date: December 3, 2024 |
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Account Type | Minimum Opening Deposit Required |
Interest Rate | APY* | Minimum to Obtain APY |
|
ez Access Money Market Checking | $25 | 0.10% 0.15% 0.20% |
0.10% 0.15% 0.20% |
$500 – $24,999.99 $25,000 – $49,999.99 $50,000 or more |
Open |
Consumer Savings Accounts Effective Date: December 3, 2024 |
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Account Type | Minimum Opening Deposit Required |
Interest Rate | APY* | Minimum to Obtain APY |
|
eStatement Savings | $25 | 0.05% | 0.05% | $25 | Open |
Holiday Club | $1 | 0.05% | 0.05% | $1 | How To Open |
Health Savings | $25 | 0.05% 0.05% 0.05% 0.10% 0.10% 0.15% 0.15% |
0.05% 0.05% 0.05% 0.10% 0.10% 0.15% 0.15% |
$1 – $999.99 $1,000 – $2499.99 $2,500 – $4,999.99 $5,000 – $9,999.99 $10,000 – $24,999.99 $25,000 – $49,999.99 $50,000 or more |
How To Open |
IRA Stmt Savings | 0.03% 0.05% 0.10% |
0.03% 0.05% 0.10% |
$25 – $2,499.99 $2,500 – $9,999.99 $10,000 or more |
How To Open |
Business Accounts Effective Date: December 3, 2024 |
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Account Type | Minimum Opening Deposit Required |
Interest Rate | APY* | Minimum to Obtain APY |
|
Business Statement Savings | $25 | 0.05% | 0.05% | $25 | How To Open |
Business Money Market | $2,500 | 0.05% 0.10% 0.15% 0.30% |
0.05% 0.10% 0.15% 0.30% |
$2,500 – $24,999.99 $25,000 – $49,999.99 $50,000 – $99,999.99 $100,000 or more |
How To Open |
Business Interest Checking | $25 | 0.05% | 0.05% | $25 | How to Open |
IOLTA/IOREBTA | $25 | 0.30% | 0.30% | $25 | How to Open |
*APY=Annual Percentage Yield. APY effective as of the above date. At our discretion we may change the interest rate on your account. Offers may be withdrawn and rates/APY’s are subject to change at any time. Fees may reduce earnings.
Residential Mortgage / Home Equity & Consumer Loan Programs
Residential Mortgage Loan Effective Date: December 3, 2024 |
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View Rates | Apply |
For current rate information on our Residential Mortgage Home Loans, please click above.
Home Equity Loans and Lines Effective Date: December 3, 2024 |
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View Rates | Apply |
For current rate information on our Home Equity programs, please click above.
Smart-E Energy Loan Effective Date: December 3, 2024 |
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Term in months | APR* | Payment per $1000 | |||
60 | 6.99% | $19.80 | Apply | ||
84 | 6.99% | $15.09 | Apply | ||
120 | 6.99% | $11.61 | Apply | ||
144 | 7.49% | $10.55 | Apply |
*APR=Annual Percentage Rate. Smart-E Loans offer long-term, low interest financing to help Connecticut residents access affordable home energy improvements. Program is available for 1 to 4 family owner occupied dwellings. Smart-E loans are available, subject to credit approval, for owner-occupied properties located in New London, Windham, Tolland and Middlesex counties. Subject to other terms and conditions. Other restrictions apply.
Home Improvement Loan (Unsecured) Effective Date: December 3, 2024 |
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Term in months | APR* | Payment per $1000 | |||
36 | 6.990% | $30.87 | Apply | ||
60 | 7.490% | $20.03 | Apply | ||
84 | 7.990% | $15.58 | Apply | ||
120 | 8.490% | $12.39 | Apply | ||
144 | 8.990% | $11.37 | Apply |
*APR=Annual Percentage Rate. This program is available for 1 to 4 family owner-occupied dwellings (not available for condominiums) located in the State of Connecticut and Rhode Island. Subject to other terms and conditions. Other restrictions apply. Minimum loan amount is $3,000. Maximum loan amount is $50,000.
Personal Loan(Unsecured) Effective Date: December 3, 2024 |
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Loan Amount | APR* | Term | Payment per $1000
Term 12/24/36/48/60 |
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$1,000-$20,000 | 12.99% | 12 to 60 months | $89.31/$47.54/$33.69/$26.82/$22.75 | Apply | |
*APR=Annual Percentage Rate
New Vehicle Loans Effective Date: December 3, 2024 |
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Model Year | APR* | Max Term | Loan To Value | Payment Per $1,000 | |
2022-2024 | 6.490% | 24 months | Up To 90%1 | $44.54 | Apply |
2022-2024 | 6.990% | 36 months | Up To 90%1 | $30.87 | Apply |
2022-2024 | 6.990% | 48 months | Up To 90%1 | $23.94 | Apply |
2022-2024 | 7.740% | 60 months | Up To 90%1 | $20.15 | Apply |
*APR=Annual Percentage Rate. Value based on retail value published by the NADA East Coast edition. Fee:$50.00 VSI insurance. Maximum loan amount: $50,000. Stated rates assume less than 5,000 miles at time of application. Never before titled/sold vehicles.
1Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 680+.
Used Vehicle Loans Effective Date: December 3, 2024 |
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Model Year | APR* | Max Term | Loan To Value | Payment Per $1,000 | |
2006-2023 | 6.990% | 24 months | Up To 90%1 | $44.77 | Apply |
2006-2023 | 7.490% | 36 months | Up To 90%1 | $31.10 | Apply |
2006-2023 | 7.490% | 48 months | Up To 90%1 | $24.17 | Apply |
2006-2023 | 8.240% | 60 months | Up To 90%1 | $20.39 | Apply |
*APR=Annual Percentage Rate. Value based on retail value published by the NADA East Coast edition. Fee:$50.00 VSI insurance. Maximum loan amount: $50,000. Minimum loan amount: $5,000. Stated rates assume less than 105,000 miles at time of application
1Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 680+.
Collateral Loans(Passbook or CD) Effective Date: December 3, 2024 |
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APR* | Max Term | Loan To Value | ||||
Call1 | 5 Years | 90% | How To Apply |
*APR=Annual percentage rate. lifetime Cap:18%. lifetime Floor:3%. Funds on deposit must be opened for 60 days prior to the loan application.
1Contact our branch office for APR for your particular loan scenario.
Overdraft Protection Line Effective Date: December 3, 2024 |
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Loan Amount | Rate | APR* | ||||
$500-$2,500 | 18.000% | 18.000% | Apply |
*APR=Annual Percentage Rate. An Overdraft Protection Line protects your checking account from overdrafts. Repayment:Interest plus 5% of the outstanding balance.