Nutmeg State Financial Credit Union

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By selecting "Get Started" you agree that Nutmeg State Financial Credit Union may contact you via email to provide information about products and services you might find useful. You will have the option to unsubscribe from any emails you receive from Nutmeg State Financial Credit Union in the future. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We will ask for your name address, date of birth, and other information including valid identifying documents to identify you. NON-MEMBERS: Membership required prior to loan funding. Membership at Nutmeg State Financial Credit Union is open to you if you live, work, worship, attend school or volunteer in Hartford County, Middlesex County, Tolland County, New Haven County or the Fairfield County towns of Bridgeport, Shelton, Stratford, Trumbull, Fairfield, Norwalk and Westport, CT. Membership requires a savings (share) account with a $5 minimum balance requirement.

Disclosures

Apply In 5 Minutes...

You will receive an email from 'Nutmeg State FCU' (support@cotribute.com) with your two-factor code. Please enter the six-digit code that was sent to your email address.

Check Your Email for a Private Verification Code.

Easily Apply for a Fixed Home Equity Loan or Home Re-Fi Express

Home Equity Loan Solutions

What’s your full name?

By checking this box you agree to our <a href="https://www.cotribute.com/company/terms-of-use" target="_blank">Terms of Use</a> and <a href="https://www.cotribute.com/company/privacy-policy" target="_blank">Privacy Policy</a>.

Terms and Conditions

Let’s Get Started

My home address is the same as the property I would like to get a loan on.

Home Address

Apartment Number (Optional)

City

State

Zip Code

Check this box if this address is a rental property.

Collateral Address

Check this box if you have been working here for less than 2 years.

Employment Details

Additional Income

Please note that the ID for the joint applicant must be uploaded in order for application approval. You will receive a link to upload your joint applicant's id by email after you submit the application.

Add a Co-Borrower

Co-Borrower Information

Co-Borrower’s Home Address

For any questions please visit our website's <a href='https://nutmegstatefcu.org/tools-resources/privacy-policy/' target='_blank'>Privacy Policy</a> page.

Verify Co-Borrower’s Identity

Co-Borrower's Employment Details

Co-Borrower Additional Income

Property Information

This information will help us qualify you for the best possible rate.

Loan Details

By checking this box you aknowlege that you may have legal interests that differ from ours. You are not required to be represented by our attorney. You may waive the right to be represented by an attorney. You may direct any complaints concerning violations of Connecticut General Statutes 49-6d to the Connecticut Banking Department By accepting, you acknowledge receiving a copy of these notices.

All set! Now we just need your consent to check your credit. By clicking on the "Submit Application" button, we will request your (and your co-borrower’s, if applicable) full credit report, which is considered a hard pull, from one or more consumer reporting agencies. A hard pull credit inquiry may affect your credit score. You understand that, after evaluating your completed application and checking your credit report, we may determine not to offer credit to you. If you have a co-borrower, you certify that you have been authorized by your co-borrower to act as their agent and to consent to this credit disclosure on their behalf. For the purposes of this credit pull "you" and "your" shall mean both yourself and your co-borrower collectively, if applicable. Please review our <a href='https://s3.us-west-2.amazonaws.com/acquire-assets.cotribute.co/nutmeg/documents/Electronic+Disclosure+and+Consent.pdf' target='_blank'>E-Consent disclosure</a>

Credit Check Consent

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, race, and sex) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for “Ethnicity” and one or more designations for “Race”. The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to provide some or all of this information, please select the applicable fields below.

Demographic Information

Co-Borrower Demographic Information

Please review your submission details and send it when you are ready! Fact Act Notice Disclosure: We may furnish information about your account to consumer reporting agencies. Late or missed payments or other defaults on your account(s) could be reflected on your credit report. Loan Confirmation Disclosure: By clicking the 'Submit' button you promise that everything you have stated in this application is true and correct to the best of your knowledge. You hereby authorize the credit union to obtain your credit report for purposes of underwriting your loan. You understand that the lender may offer a range of rates on their loan products and that the rate and term of your loan may depend on evaluation of your past credit history and any applicable discounts based upon your relationship with the credit union.

Application Review

A representative from our loan sales team will be contacting you shortly to discuss details and finalize your application. If you have any questions or require further assistance please feel free to email us at <a href="mailto:loansales@nutmegstatefcu.org">loansales@nutmegstatefcu.org</a> or call us at (860) 513-5000 option 3. We look forward to serving you as a valued member of Nutmeg State Financial Credit Union! For more information about all of the great benefits of being a member of Nutmeg State Financial Credit Union visit our <a href="https://www.nutmegstatefcu.org/" target="_blank">website.</a>