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Highlights

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25-Basis Point Loan Advantage

Unlock additional savings with a 0.25% rate discount. A 25-basis-point reduction lowers your interest rate, helping to reduce your monthly payment and the total interest you pay over the life of the loan. This makes financing more affordable while keeping more money in your pocket! It’s a simple way to save more on what matters most, whether you’re hitting the road or tackling bigger goals. Learn and enjoy the benefits of smarter borrowing—just be sure your auto or personal loan is originated directly through Nutmeg State FCU to qualify! Claim this offer for Auto Loans or Personal Loans.

Important Disclosures:

1. 25 Basis Point Discount on current Direct Auto Loan Rates: Terms and conditions apply. APR= Annual Percentage Rate based on credit score, term and other risk factors. Offer valid starting June 15, 2026 only until modified or withdrawn and is subject to change at any time. Cannot be combined with any other offers. Discount applies to qualifying direct auto loan applications, including new, used and refinanced loans from other financial institutions. Loan approvals may be based on credit and other qualifying factors. Membership eligibility required. Available only to eligible employees, members, students, or affiliates of participating Nutmeg business partners who apply using the link above, stop into a branch or call our Navigation Center.

2. 25 Basis Point Discount on current Personal Loan Rates: Rates are based on credit score and other factors. The rate may vary depending on individual credit history and underwriting factors. Offer valid starting June 15, 2026 to Nutmeg business partners only and is subject to change at any time. Cannot be combined with any other offers. Loan approvals may be based on credit and other qualifying factors.

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25-Basis Point Share Certificate Perk

Make your money work even harder for you! Learn more about your exclusive reward from Nutmeg State FCU—a 25 basis point rate increase on Nutmeg’s standard published current Share Certificate, plus the flexibility of no-penalty withdrawals above the minimum balance requirement. You already have access to this perk- now learn more about Share Certificates with the resources below! Sign up for one here.

Important Disclosures:

Applies to Nutmeg’s current posted standard certificate rates only. 25 Basis Point Increase on any current Share Certificate Rates, with No-Penalty Withdrawals: Withdrawals will be permitted without penalty provided the account maintains at least any required minimum balance; penalties may apply if the account falls below any minimum balance requirement. Offer valid starting June 15, 2026 only until modified or withdrawn and is subject to change at any time. Cannot be combined with any other offers. Membership eligibility required. Available only to eligible employees, members, students, or affiliates of participating Nutmeg business partners who apply using the link above, stop into a branch or call our Navigation Center.

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Score a $250 Bonus Boost

Get rewarded for leveling up your financial know-how! Learn more about your offer from Nutmeg State FCU—a $250 bonus when you open any Nutmeg checking account. Just set up direct deposits from your employer totaling $250 or more each month for two months, and after 60 days, the bonus is yours. It’s an easy win that puts extra cash in your pocket—learn, earn, and enjoy the rewards! Claim your offer here.

Important Disclosures:

$250 Bonus in your Nutmeg Checking Account: To qualify for the $250 bonus, you must have a minimum of two direct deposits, totaling at least $250 each month for two months, processed and reflected in your checking account. No minimum balance required to open an account. The qualifying criteria for direct deposit must be met within six months of opening your Nutmeg checking account. A $250 incentive bonus will automatically be added into your account within the first 60 days following account qualification. Offer valid starting June 15, 2026 until modified or withdrawn and is subject to change at any time. Cannot be combined with any other offers. Membership eligibility required. First time checking customers only. One bonus per member. Bonus may be reported to the IRS as interest or other taxable income. Available only to eligible employees, members, students, or affiliates of participating Nutmeg business partners who apply using the link above, stop into a branch or call our Navigation Center.

This credit union is federally insured by the National Credit Union Administration.

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Start by becoming a member today!

Check out perks and how to become a member below. Alternatively, stop by any of our branches, or call our contact center at (860) 513-5000, or Toll-Free at (800) 526-6933 and mention the NSFCU/University of Hartford partnership. We look forward to helping you succeed through our financial solutions.
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Unlock $500 Toward Your Next Big Move

Take the next step toward your financial goals! Learn more about your reward from Nutmeg State FCU—a $500 lender credit toward a Fixed Rate Home Equity Loan, HELOC, or 1st Mortgage. Whether you’re renovating, consolidating, or buying your dream home, this reward helps make it more affordable. Learn, earn, and open the door to bigger possibilities! Click on your credit type below to sign up:

Important Disclosures:

1. $500 Lender Credit on Fixed Rate Home Equity Loan: To qualify for the $500 Lender Credit against the outstanding balance of your loan, you must be approved for a minimum loan amount of $10,000. Rates are based on credit score and other factors. The rate may vary depending on individual credit history and underwriting factors. Offer valid starting June 15, 2026 only until modified or withdrawn and is subject to change at any time. Cannot be combined with any other offers. Loan approvals may be based on credit and other qualifying factors. Membership eligibility required. Limit one bonus per member. Bonus may be reported to the IRS as interest or other taxable income. Available only to eligible employees, members, students, or affiliates of participating Nutmeg business partners who apply using the link above, stop into a branch or call our Navigation Center.

2. $500 Lender Credit on HELOC: To qualify for the $500 Lender Credit against the outstanding balance of your line of credit, you must be approved for a minimum line of credit amount of $2,500 and draw a minimum of $2,500 against such line of credit for at least 30 days. You must maintain an outstanding advance of at least $2,500 for the first 30 days after funding. Rates are based on credit score and other factors. The rate may vary depending on individual credit history and underwriting factors. Offer valid starting June 15, 2026 to Nutmeg business partners only until modified or withdrawn and is subject to change at any time. Cannot be combined with any other offers. Loan approvals may be based on credit and other qualifying factors.

3. $500 Lender Credit on First Mortgage: To qualify for the $500 Lender Credit against the outstanding balance of your loan, you must be approved for a minimum loan amount of $10,000. Rates are based on credit score and other factors. The rate may vary depending on individual credit history and underwriting factors. Offer valid starting June 15, 2026 to Nutmeg business partners only until modified or withdrawn and is subject to change at any time. Cannot be combined with any other offers. Loan approvals may be based on credit and other qualifying factors.

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Financial Foundations

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Personal Financial Wellness Assessment

The Financial Wellness Assessment analyzes your spending, budgeting, and saving habits so you can reflect on how you’re currently managing personal finances.
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Learning to Budget

Budgeting isn't about restriction, it's about prioritizing. The best way to avoid financial strain is to know where your money is going and plan ahead!
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Basic Saving

Whether you're saving for a rainy day or a rainy trip to London, mastering the basics of saving can help you reach your goals.
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Life Changes

As with any major life change, if you have a better grasp of the financial requirements and tasks, you can be better prepared for what's ahead.
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Exclusive Offers

Take a moment to explore these exciting offers from Nutmeg State Credit Union—you're already eligible to take advantage of them. Click through to learn more about each opportunity and see how they can benefit you.
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Giving to Charity

Give a little or give a lot, giving to charity offers more than just warm feelings. Understand the impact on your taxes and budget.
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Money and Emotions

We sometimes think of money as being entirely logical, but the truth is that your finances and your mental and emotional health are strongly connected.
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Opening a Checking Account

In a world of digital spending and online banking, checking accounts are becoming an increasingly vital part of personal finance.
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Saving for a Vacation

What does a trip to Cancun and a trip to Idaho have in common? They both cost money! Save for your trip, no matter the size, using smart, easy-to-understand strategies.
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Taxes

Taxes are full of nuance and complicated jargon, these resources can help.
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Trending Topics

Stay up to date with our Trending Topics—featuring timely tips on budgeting, credit, saving, and more. Explore what’s relevant right now to build financial confidence!
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Your Resources & Tools

Discover a suite of exclusive resources and tools designed to support every step of your financial journey. Through this site, employees have access to expert guidance and interactive tools from Nutmeg State Financial Credit Union.
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Credit & Debt

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Using Credit Cards

Using credit cards wisely paves the way for big purchases in the future, but be wary of spending more than you can manage.
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Managing Debt

Many people find themselves in debt, and many people also find ways out of it. Don't be discouraged, there are ways to manage your bills and come out on top.
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Building Credit

It takes credit to get credit, and credit is crucial to buying a new home, finding a place to rent, or purchasing a new car. You have to start somewhere, start here.
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Paying Student Loans

Around 70 percent of college graduates leave school with some kind of student debt. Learn how you can pay yours back more effectively.
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Health

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Health Insurance

Premiums, deductibles, max out-of-pocket expenses—it may seem like too much to learn, but the right information can get you to a place of understanding fast.
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Paying for Health Care

Paying for health care can take a lot of know-how. Master your finances by learning the ins and outs of insurance, HSAs, FSAs, HRAs, and more.
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Managing Illness

Illness can affect every part of your life, from your ability to work to navigating day-to-day tasks. Learn more about how to best manage the impact of an illness.
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Home & Car

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Buying a House

The process of buying a house is riddled with specific terminology and important decisions. Set yourself up for success by studying the ins and outs of the process.
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Getting a New Car

There's more to buying a new car than negotiating and signing on the dotted line. Know what your auto loan truly costs and how to navigate the car-buying process.
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Owning a Home

There are a lot of responsibilities that come with owning a home. Learn more about paying off your mortgage, insuring your home, and more.
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Selling a Home

Ready for a change of scenery? Selling your home is easier said than done, but careful research can help ensure that you're prepared for the financial impact.
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Renting a Place to Live

From security deposit to renter's insurance, renting a place to live comes with a unique set of challenges. Rest easy with the power of knowledge and know-how!
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Moving

Gathering boxes is the easy part. A big move can make a big impact on your finances. Not to worry, being prepared is the safest way to avoid a massive uh-oh moment.
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Family & Kids

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Growing Family

A growing family means growing expenses. But no worries, you just have to know what to expect when things start changing.
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Courses

The Banzai Courses use real-life scenarios to demonstrate the power of good financial planning. For kids, teens, and young adults, these courses teach basic and advanced financial concepts.
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Teaching Kids Finances

Teaching kids about personal finances gives them a head start, and we don't just mean piggy banks! Help kids master strategies in investing, saving, and even credit.
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Getting Married

In sickness and in health, for richer or poorer...Actually, let's keep "poorer" out of it. You're a team now, tackle financial decisions, budgeting, and debt together.
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Managing a Divorce

Divorce makes an impact on your finances, from dividing assets to paying alimony or child support. Make sure you know what options are available to you.
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College

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Going to College

Off to college? Learn to budget and manage all the unexpected and kind-of-expected costs that come with being on your own.
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Paying for College

Tuition is a big bill, but there are ways to make the cost of your dream school possible. Learn all you need to know to pay for that coveted degree.
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Job & Business

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Starting a New Job

New job. New benefits. New You. Start your job on the right foot and adjust your personal finances for your new income and benefits package.
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Losing a Job

Losing a job is tough, but with a bit of planning and some research, you can navigate your way through it.
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Raising Capital for your Business

To grow your business, you need capital. But how do you get it? Learn more about small business loans, lines of credit, and more.
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Managing Employee Benefits

To find and keep high-quality candidates, you need to offer benefits. Understand what benefits you must provide and how to keep your employees happy.
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Bookkeeping

Your business is running, but you might feel a little lost in all the purchases, receipts, payments, sales, and so on. How do you keep track of it all? Bookkeeping.
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Security & Emergencies

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Planning for an Emergency

It's impossible to predict a car breaking down or losing a job, but it's absolutely possible to prepare for the financial blow. Emergencies happen, make sure you're prepared.
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Managing Crisis

While a crisis is often unexpected, you can navigate through troubling times confidently by exploring your options and making educated decisions.
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Fraud and Security

With hackers and scammers getting more proficient than ever, learn to protect yourself from fraud by using safe practices.
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Elder Fraud

Senior citizens are the most targeted demographic for fraud and scams. Learn how to protect yourself and your loved ones.
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Economy

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Economic Health

The economy influences your finances—maybe a little, maybe a lot. See how much the economy affects you.
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Navigating Inflation

Inflation may be a normal part of a healthy economy, but it still affects prices, the value of a dollar, and your budget.
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Investing & Retirement

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Begin Investing

Investing can seem overwhelming. Stocks, growth, and markets—it's a lot to learn, but anyone can do it, and it's easier than you think. Don't let the unknown keep you from a flourishing future.
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Building A Portfolio

It's not enough to invest once, in order to get a strong return and build your wealth, it's important to build a portfolio.
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Planning for Retirement

Whether it's just around the corner or decades away, now is the perfect time to start planning your retirement.
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Saving for Retirement

A lot goes into saving for retirement, and the decisions you make now will have a big impact on your future.
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Estate Planning

Whether it's large or modest, most everyone has an estate—a collection of everything a person owns. Dictate what happens to it now so that you can ensure that your wishes are met.
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