Rates
Vehicle | Percent of Financing | APR* as low as | Term(s) |
|---|---|---|---|
| New Auto Loans Model year: 2025 or newer with less than 7,000 miles | Up to 100% financing available | 4.44% | up to 60 months |
| Up to 100% financing available | 4.64% | 61-72 months | |
| Up to 100% financing available | 5.64% | 73-84 months | |
| Used Auto Loans Model years: 2023 or newer (and 2025 with more than 7,000 miles | Up to 100% financing available | 4.64% | up to 48 months |
| Up to 100% financing available | 4.64% | 49-60 months | |
| Up to 100% financing available | 5.64% | 61-72 months | |
| Used Auto Loans Model years: 2021 –2022 (older considered on case by case basis) | Up to 100% financing available | 5.90% | up to 36 months |
| Up to 100% financing available | 6.15% | 37-48 months | |
| Up to 100% financing available | 6.64% | 49-60 months |
Home/Mortgage | APR* as low as | Term(s) |
|---|---|---|
| Home Equity Fixed Rate | 5.40% | up to 60 months |
| 5.74% | 61 – 120 months | |
| Home Equity Line of Credit Lines up to $150,000 based on Home Value. *Variable Rate based on the Prime Rate. Ask Credit Union for full details. | 6.00% | 10 year draw & 10 year repayment |
| First Mortgage Loans Loans up to 97% available, with as little as 3% down for purchases. Various programs available at highly competitive rates. To become pre-qualified or apply now CLICK HERE | Mortgage Rates |
Personal/Credit Card | APR* as low as | Term(s) |
|---|---|---|
| Personal Loans Amount of personal loans are dependent on credit rating. Loans up to $20,000 available | 7.99% | 37-48 months |
| 8.75% | 49-60 months | |
| Debt Consolidation | Promo! 6.99% | 36 months maximum |
| Fresh Start Loans - We are here to help! Get a chance to start fresh and build good credit. Loans up to $2,000 available | 17.99% | 12-36 months |
| 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. | 5.50% | 12-84 months |
| VISA Credit Card A fixed rate credit card line available from $500 up to $15,000. The rate and line amount are dependent on credit rating. Ask about our balance transfer options! NO ANNUAL FEE | 7.99% | Purchase |
| 1.99% | BT Promo- 12 months (good thru 6/30/2026) | |
| 15.00% | Cash Advance | |
| Overdraft Line of Credit This loan compliments your Albright CU Checking Account. Lines up to $3,000 available. | 14.50% | Revolving line |
Educational Loans | APR* as low as | Term(s) |
|---|---|---|
| If qualified, one may borrow up to $10,000 annually to an aggregate of $50,000 over five years. CLICK HERE for more more details. | 6.49% | up to 72 months |
| 7.99% | 73-120 months | |
| 8.99% | 121-144 months |
Savings Account | Minimum Balance | Interest Earned on Deposit of | Dividend Rate | APY |
|---|---|---|---|---|
| Regular Savings | $25.00 | $500.00 | 0.05 | 0.050% |
| Kasasa Saver – ask for full details, qualifications required! | APY between 0.05 and 4.00% | |||
| Basic Checking | — | — | — | — |
| Checking Plus | — | $500.00 | 0.05 | 0.050% |
| Kasasa Cash – ask for full details, qualifications required! | APY between 0.05 and 4.00% | |||
| Minor/Youth Savings | $10.00 | $10.00 | 0.25 | 0.250% |
| Money Market | $1,000.00 | $1,000-$24,999 | 0.35 | 0.350% |
| Money Market | $1,000.00 | $25,000-$49,999 | 0.55 | 0.550% |
| Money Market | $1,000.00 | $50,000 & up | 1.00 | 1.000% |
| Holiday Club | $10.00 | $500.00 | 0.25 | 0.250% |
| Rainy Day Club | $10.00 | $500.00 | 0.25 | 0.250% |
| Vacation Club | $10.00 | $500.00 | 0.25 | 0.250% |
| IRA Share/Health Savings | $10.00 | $500.00 | 0.35 | 0.350% |
Certificates | ||
|---|---|---|
| Regular term and IRA Certificates – Minimum Deposit $2,500.00 | ||
| Term | Dividend Rate | APY* |
| 6 months | 2.00 | 2.02% |
| 12 months | 3.35 | 3.41% |
| Save to Win! Qualifying Certificate Account – 12 months. Ask for details – You may win a $25 monthly cash prize! | 2.75 | 2.79% |
| 18 months | 3.00 | 3.05% |
| 24 months | 3.00 | 3.05% |
| 36 months | 3.15 | 3.20% |
| 48 months | 3.25 | 3.30% |
| 60 months | 3.25 | 3.30% |
Credit Cards | |
|---|---|
| Our Credit Card program gives you the purchasing power of the VISA® logo with competitive rates and terms. This is a program that offers long term savings with no annual fee, low interest rates, a grace period of 25 days on purchases, and various balance transfer specials. Apply Now using our online application system. UChoose Rewards is a valuable points-earning benefit for Albright CU Visa® Check Card and Credit cardholders. Click here to learn more. Click here to report a lost or stolen card. IMPORTANT DISCLOSURE INFORMATION Purchase Rate as low as 7.99% Balance Transfer Special (12 months) Rate as low as 1.99% APR* valid through 6/30/26 Cash Advancel Rate as low as 15.00% Transfer your high interest credit card balances to Albright and consolidate your debt into one easy payment with an interest rate as low as 1.99% APR*! At Albright, we give our members the purchasing power with no annual fee, low interest rates, and exceptional service! APR=Annual Percentage Rate. The Introductory 1.99% APR on balance transfers is good for 12 months from date of balance transfer transaction. This offer is based on credit approval and the actual APR may vary between 5.99% and 9.99% depending on your credit score. No balance transfer fee applies. After 12 months the APR reverts back to your standard purchase rate which varies between 7.99% - 17.99% depending on your Visa Account Terms. Balance transfers are subject to available credit and this special offer expires on 6/20/2026. Please ask Credit Union for full details. | |
| Annual Percentage Rate for Purchases: | 7.99% up to 17.99% When you open your account based on creditworthiness |
| Annual Percentage Rate for Balance Transfers: | 1.99% up to 13.99% Ask about our Special Offer! The interest rate for this special offer is based on creditworthiness. The interest rate granted for the balance transfer special is valid for the life of the balance. |
| Annual Percentage Rate for all regular Cash Advances: | 15.00% up to 17.99% |
| How To Avoid Paying Interest on Payments Rates | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips From The Federal Reserve Board Rates | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at: www.federalreserve.gov/creditcard |
| Set-Up And Maintenance Fees | Annual Fees: NONE Lost Card Replacement: $10.00 Copy of Statement/Draft: $10.00 Rush Card order: $20.00 Unauthorized Use/Card Pickup: $50.00 Cash Advance: $5.00 |
| Transaction Fees | None |
| Penalty Fees | Late Payment: up to $25.00 after 3 day grace period Return Check Fee: $25.00 |
How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new purchases). See your account agreement for more details. The information about the costs of the card described in the application is accurate as of 4/22/2026. This information may have changed after the date. To find out what may have changed, call 203-791.9399. Or you may write to: Albright Credit Union, VISA® Department, 14 Research Drive, Bethel, CT 06801.
Vehicle | Percent of Financing | APR* as low as | Term(s) |
|---|---|---|---|
| New Auto Loans Model year: 2025 or newer with less than 7,000 miles | Up to 100% financing available | 4.44% | up to 60 months |
| Up to 100% financing available | 4.64% | 61-72 months | |
| Up to 100% financing available | 5.64% | 73-84 months | |
| Used Auto Loans Model years: 2023 or newer (and 2025 with more than 7,000 miles | Up to 100% financing available | 4.64% | up to 48 months |
| Up to 100% financing available | 4.64% | 49-60 months | |
| Up to 100% financing available | 5.64% | 61-72 months | |
| Used Auto Loans Model years: 2021 –2022 (older considered on case by case basis) | Up to 100% financing available | 5.90% | up to 36 months |
| Up to 100% financing available | 6.15% | 37-48 months | |
| Up to 100% financing available | 6.64% | 49-60 months |
Home/Mortgage | APR* as low as | Term(s) |
|---|---|---|
| Home Equity Fixed Rate | 5.40% | up to 60 months |
| 5.74% | 61 – 120 months | |
| Home Equity Line of Credit Lines up to $150,000 based on Home Value. *Variable Rate based on the Prime Rate. Ask Credit Union for full details. | 6.00% | 10 year draw & 10 year repayment |
| First Mortgage Loans Loans up to 97% available, with as little as 3% down for purchases. Various programs available at highly competitive rates. To become pre-qualified or apply now CLICK HERE | Mortgage Rates |
Personal/Credit Card | APR* as low as | Term(s) |
|---|---|---|
| Personal Loans Amount of personal loans are dependent on credit rating. Loans up to $20,000 available | 7.99% | 37-48 months |
| 8.75% | 49-60 months | |
| Debt Consolidation | Promo! 6.99% | 36 months maximum |
| Fresh Start Loans - We are here to help! Get a chance to start fresh and build good credit. Loans up to $2,000 available | 17.99% | 12-36 months |
| 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. | 5.50% | 12-84 months |
| VISA Credit Card A fixed rate credit card line available from $500 up to $15,000. The rate and line amount are dependent on credit rating. Ask about our balance transfer options! NO ANNUAL FEE | 7.99% | Purchase |
| 1.99% | BT Promo- 12 months (good thru 6/30/2026) | |
| 15.00% | Cash Advance | |
| Overdraft Line of Credit This loan compliments your Albright CU Checking Account. Lines up to $3,000 available. | 14.50% | Revolving line |
Educational Loans | APR* as low as | Term(s) |
|---|---|---|
| If qualified, one may borrow up to $10,000 annually to an aggregate of $50,000 over five years. CLICK HERE for more more details. | 6.49% | up to 72 months |
| 7.99% | 73-120 months | |
| 8.99% | 121-144 months |
Savings Account | Minimum Balance | Interest Earned on Deposit of | Dividend Rate | APY |
|---|---|---|---|---|
| Regular Savings | $25.00 | $500.00 | 0.05 | 0.050% |
| Kasasa Saver – ask for full details, qualifications required! | APY between 0.05 and 4.00% | |||
| Basic Checking | — | — | — | — |
| Checking Plus | — | $500.00 | 0.05 | 0.050% |
| Kasasa Cash – ask for full details, qualifications required! | APY between 0.05 and 4.00% | |||
| Minor/Youth Savings | $10.00 | $10.00 | 0.25 | 0.250% |
| Money Market | $1,000.00 | $1,000-$24,999 | 0.35 | 0.350% |
| Money Market | $1,000.00 | $25,000-$49,999 | 0.55 | 0.550% |
| Money Market | $1,000.00 | $50,000 & up | 1.00 | 1.000% |
| Holiday Club | $10.00 | $500.00 | 0.25 | 0.250% |
| Rainy Day Club | $10.00 | $500.00 | 0.25 | 0.250% |
| Vacation Club | $10.00 | $500.00 | 0.25 | 0.250% |
| IRA Share/Health Savings | $10.00 | $500.00 | 0.35 | 0.350% |
Certificates | ||
|---|---|---|
| Regular term and IRA Certificates – Minimum Deposit $2,500.00 | ||
| Term | Dividend Rate | APY* |
| 6 months | 2.00 | 2.02% |
| 12 months | 3.35 | 3.41% |
| Save to Win! Qualifying Certificate Account – 12 months. Ask for details – You may win a $25 monthly cash prize! | 2.75 | 2.79% |
| 18 months | 3.00 | 3.05% |
| 24 months | 3.00 | 3.05% |
| 36 months | 3.15 | 3.20% |
| 48 months | 3.25 | 3.30% |
| 60 months | 3.25 | 3.30% |
Credit Cards | |
|---|---|
| Our Credit Card program gives you the purchasing power of the VISA® logo with competitive rates and terms. This is a program that offers long term savings with no annual fee, low interest rates, a grace period of 25 days on purchases, and various balance transfer specials. Apply Now using our online application system. UChoose Rewards is a valuable points-earning benefit for Albright CU Visa® Check Card and Credit cardholders. Click here to learn more. Click here to report a lost or stolen card. IMPORTANT DISCLOSURE INFORMATION Purchase Rate as low as 7.99% Balance Transfer Special (12 months) Rate as low as 1.99% APR* valid through 6/30/26 Cash Advancel Rate as low as 15.00% Transfer your high interest credit card balances to Albright and consolidate your debt into one easy payment with an interest rate as low as 1.99% APR*! At Albright, we give our members the purchasing power with no annual fee, low interest rates, and exceptional service! APR=Annual Percentage Rate. The Introductory 1.99% APR on balance transfers is good for 12 months from date of balance transfer transaction. This offer is based on credit approval and the actual APR may vary between 5.99% and 9.99% depending on your credit score. No balance transfer fee applies. After 12 months the APR reverts back to your standard purchase rate which varies between 7.99% - 17.99% depending on your Visa Account Terms. Balance transfers are subject to available credit and this special offer expires on 6/20/2026. Please ask Credit Union for full details. | |
| Annual Percentage Rate for Purchases: | 7.99% up to 17.99% When you open your account based on creditworthiness |
| Annual Percentage Rate for Balance Transfers: | 1.99% up to 13.99% Ask about our Special Offer! The interest rate for this special offer is based on creditworthiness. The interest rate granted for the balance transfer special is valid for the life of the balance. |
| Annual Percentage Rate for all regular Cash Advances: | 15.00% up to 17.99% |
| How To Avoid Paying Interest on Payments Rates | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips From The Federal Reserve Board Rates | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at: www.federalreserve.gov/creditcard |
| Set-Up And Maintenance Fees | Annual Fees: NONE Lost Card Replacement: $10.00 Copy of Statement/Draft: $10.00 Rush Card order: $20.00 Unauthorized Use/Card Pickup: $50.00 Cash Advance: $5.00 |
| Transaction Fees | None |
| Penalty Fees | Late Payment: up to $25.00 after 3 day grace period Return Check Fee: $25.00 |
How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new purchases). See your account agreement for more details. The information about the costs of the card described in the application is accurate as of 4/22/2026. This information may have changed after the date. To find out what may have changed, call 203-791.9399. Or you may write to: Western Connecticut Federal Credit Union, VISA® Department, 2 Stony Hill Rd Ste 100, Bethel, CT 06801.
