Office Hours     (203) 573-6227      (203) 573-6224      64 Robbins Street, Waterbury, CT 06720

Competitive Rates

Rates as of September 30, 2017




Promotional Share Certificates

Amount Term APR*
New money only 13 months 1.00%

Savings Rates

Account type APR* APY**
Savings accounts 0.10% 0.11%
Christmas clubs 0.10% 0.10%
Vacation clubs 0.10% 0.10%

Share Certificate Rates

Term APR* APY**
3 months 0.15% 0.15%
6 months 0.20% 0.20%
9 months 0.25% 0.25%
12 months 0.30% 0.30%
18 months 1.5% 1.5%

Jumbo Share Certificates

Amount Term APR*
$20,000 and over 12 months 0.60%
$80,000 and over 12 months 0.85%

Loan Rates

Loan type Term Rate
New auto
Up to $40,000.00 Max
Up to 100% financing including taxes and registration
24 months 1.75%
36 months 2.75%
48 months 3.00%
60 months 3.25%
72 months*** 4.35%
Used auto
Up to $40,000.00 Max
Up to 100% financing including taxes and registration
24 months 2.50%
36 months 6.50%
48 months 3.90%
60 months**** 4.25%
Personal Loan
Up to $8,000.00 Max
12 months 7.75%
24 months 8.50%
36 months 10.00%
48 months 11.50%
Education Loan(rates fixed)
Borrower must be member
Proof of enrollment/invoice
Students must be enrolled in an accredited institution
12 months 4.00%
24 months 4.75%
36 months 5.50%
48 months 5.90%
60 months 6.25%

Share secured loans also available. Contact the credit union office about rates on share secured loans.

* APR = annual percentage rate
** APY = annual percentage yield
*** 60 month financing available for vehicles 2009 or newew
**** 72 month financing available for vehicles at least $30,000.00




Fee Schedule

Share account fees
Excessive withdrawal fees $3.50 per withdrawal after six withdrawals per quarter
Official check fee
Check made payable to 3rd party
$5.00 each
Statement copy fee $2.00 for each month
Official check stop payment $40.00

Club account fees
Christmas club $35.00 early withdrawal account closed fee
Vacation club $35.00 early withdrawal account closed fee

Share draft account fees
Overdraft transfer fee $25.00 per item
Returned item fee $35.00 per item
Stop payment fee $35.00 per request

Electronic funds transfer fees
Debt withdrawal fee $1.25 per withdrawal
Overdraft debit transaction fee $25.00 per item
Returned ACH $35.00 per item
Debit card reorder $5.00 per card
2nd Debit card reorder $10.00 per card
PIN reorder $5.00 per number

Share value
Per value of one share $50.00

Other services fee (applicable to all accounts)
Deposited item return fee $30.00 per item
Account research fee $20.00 per hour, minimum charge $20.00
Dormant account fee $10.00 per month after 12 months of inactivity
Closed accounts $35.00 if account is closed within one year of opening
Payment booklet $5.00 per loan account closed fee
Bad address $5.00 per return
Federal/state levy garnishment or judgment processing $5.00 per item
Certificate $25.00 early withdrawal plus 3 months interest
VRU checks $3.00 each after 2 per month
Negative balance $5.00 first day, $1.00 each day after
Transactions over reg D limit $1.00
Outgoing wire $35.00
Incoming wire $15.00
Loan cancellation (after credit report pulled) $3.00

The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated in the Truth-In-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.