Debt Consolidation Loan Special - 7.99% APR*

Are you tired of all those nagging bills that nibble away at your paycheck and never seem to go down? Pay them off with a CSE Debt Consolidation Loan and pay only one bill per month. 

Features

  • Loans available up to $15,000
  • 7.99% APR* fixed rate
  • One bill to pay each month
  • An end to high-interest debt

Apply today by downloading an application or calling/visiting any of our branch locations.  Applications must be received by July 31, 2017.

*Annual Percentage Rate. Not available to pay off CSE loans, including CSE VISA cards. Total CSE unsecured debt limit (excluding CSE VISA) not to exceed $15,000. Rate may change without notice. Terms up to 5 years are available. 

Home Loan Rates as Low as 2.60% APR*

Whether you're looking to lower your monthly payment or take out some cash, you will get a great deal when you refinance your mortgage with CSE Credit Union.  There are no application fees, no points, no closing costs, and no attorney fees.

  • 7 Years - 2.60% APR*
  • 10 Years - 3.05% APR
  • 15 Years - 3.25% APR
  • 20 Years - 3.75% APR

To apply, fill out an application form and return to any of our offices.  Click here for more information about our home loan program.  

*Annual Percentage Rate. Appraisal, title search and recording fees do apply. All rates are subject to change without notice. 

Once a Member, Always a Member

CSE Credit Union was founded to provide financial services to employees of the State of Connecticut. But this does not mean that we only serve Connecticut State employees.  Our motto “Once a Member, Always a Member” means that even if you leave CT State service, you remain a CSE member. Once you join, you are a member for life, as long as you maintain an active account. 

CSE membership may also be offered to immediate family members of current members. Spouses, children, parents, sibilings, and step-relatives are all eligible too. Once they join, they in turn can extend the privilege of credit union membership to their immediate family members.  

So share the benefits of belonging to CSE Credit Union not only with your co-workers, but also with your family members! For more information on membership eligibility, click here.

Taxpayers Who Owe Taxes to State of CT

As per Connecticut General Statues (CGS) §12-39cc, the CT Department of Revenue Services requires all financial institutions doing business in Connecticut to conduct a data match.  The purpose of the data match is to identify accounts belonging to taxpayers who owe taxes to the State of Connecticut.  It is possible that once identified, some of these accounts may be subject to liens and levies issued by the Department of Revenue Services.

Please note that levies can be issued on any account in which a member has an ownership interest. 

Additional questions can be directed to the Department of Revenue Services.

Beware of Phone Scams

Some of our members have recently reported receiving phone calls from companies claiming to be their credit card company. The caller offers to lower their credit card's interest rate in return for a flat fee, and then asks for the individual's Social Security number, account number and other personal information. Be aware that these calls are scams.  

If you ever receive a call like this, hang up. Never provide personal information over the phone unless you are the one initiating contact. CSE Credit Union and most other financial institutions will never call you to verify account information or Social Security numbers.  

If you have given out personal information by accident, please contact us. Do not call back using an 800 number that a caller provides. The number provided by the caller could also be part of the scam. 

Chip Credit Cards

Beginning in 2016, CSE will begin replacing members’ VISA cards with new VISA cards featuring chip technology.  These cards, known as chip cards, contain an embedded chip that uses encryption technology to protect your account information and reduce the risk of fraud when making purchases at chip-enabled terminals.  Chip technology is becoming the security standard in the U.S., and you’ll be seeing an increasing number of merchants accepting chip cards nationwide.  

Do not worry if you do not receive your new chip card right away. Your current VISA card is valid and, as always, you are not responsible for fraudulent purchases on your VISA card.  Just check your statements regularly and immediately report any fraudulent activity.

You do not need to do anything at this time. There is no additional fee for the new card, and your account terms and conditions will remain the same.  More details will be forthcoming in our winter newsletter and on this website.

Shared Branching Check Deposits

Please be advised that if you deposit a check at a CO-OP Shared Branch location, the hold placed by the shared branch may be extended by CSE Credit Union, as per our Funds Availability Policy. Please refer to our Funds Availability Policy for more information.  

Fee for Non-Members

A fee of $3.00 is being charged to non-members for each CSE share draft that is cashed at any of our offices.  This fee is the result of increased operating expenses associated with cashing checks for non-members.  

We apologize for any inconvenience. 

Surprise "In-App" Charges To Your Credit Card

If you are a parent whose child plays games on a smartphone or other electronic device, you should be aware that these games can result in high charges on your credit card. The culprit: in-app purchases. An in-app purchase is a purchase made from within an on-line game for additional features, upgrades and other add-ons. The app might be free to download, but it might be far from free to play it. Sometimes these apps have clear warnings that you need to spend additional money, but sometimes they do not. All it often takes is a tap of a button for a child to make all the charges they want. And if your credit card is already linked to your mobile device, as it usually is, your account will be charged and you will be liable for the purchases...