 Low Rates On All Car Loans
Finance the purchase of a New or Used Car as low as 5.85% APR and 6.25% APR. Choose a term that’s right for you. Up to 6 years on a new car and 4 years on a used car. Finance up to 100% cost of the vehicle including Tax, Title, Warranty and Conveyance Fee. Sign up for direct payment from your State pay for worry free bi-weekly payments. Print a Loan Application and mail or deliver it to any branch location before you shop. Receive your pre-approval and then negotiate your best price.
Cannot be applied toward existing loans. Cannot be combined with any other offer. Used cars: Up to six model years old and total financing cannot exceed book value.
CAR REBATES VS.
LOW INTEREST RATE FINANCING
Do you take the $2,000 rebate or the 0% dealer financing? Have you ever seen those new car financing offers that give you a choice between a cash rebate or low interest financing. And, have you ever wondered whether you would be better off financing at the lower rate or taking the rebate and getting financing elsewhere? For instance, CSE Credit Union currently offers a three year new car loan with a 0% down payment at a rate of 5.85% APR. With the CSE loan, you would save $330 over the life of the loan when you purchase a $20,000 car with a $2,000 rebate, instead of dealer financing at 0% APR with no rebate. The rebate and a CSE loan work out to be a better deal. Click on the Rebate Calculator to compare other terms.
Loan Products
First Mortgage Refinance Loans
Home Equity Loans
90% Home Equity Loans
New Car Loans
Used Car Loans
Personal Loans
Share Secured Loans
Vacation / Holiday Loans
Visa Credit Card
Services
Automated Home Teller
-Reach the Automated Home Teller toll-free from anywhere in the United States of America. Just Dial 1-800-458-1319 (Hartford Calling Area (860) 249-0197) *****AUTOMATED HOME TELLER SERVICES*****
Here are some tips on how you can get the most out of your CSE Home Teller Service.
· Newly added function 8 allows you to review recent deposits to your share accounts.
· Function 16 will provide you with your current loan balance and the amount of the next required payment. This can be very useful if you have a Visa card. You must supply your three-digit loan number associated with the credit card loan to access this information.
· Make loan payments to your credit card or any loan. This allows you the freedom of not having to write a check and sending it to the credit union. Use function 41 (share account transfer to loan payment) or function 42 (share draft account transfer to loan payment). You must also supply your three-digit loan number.
· Check your balances, transfer money between your accounts, verify deposits and balance your share draft account all from the convenience of your touch-tone phone, with no long distance charges! If you are not enrolled in this FREE member service, contact any of our offices to sign-up today!
SERVICE CODES
Account Information:
Account Deposits…………... 8#
Account Withdrawals………. 9#
Share Account……………… 11#
Draft Account……………….. 12#
Loan Balance……………….. 16#
Dividends Paid……………… 18#
Drafts Paid:
Last Draft Paid……………… 13#
Any Draft Paid……………… 14#
(Specify number)
Transfers:
Shares to Draft Account…… 21#
Draft Account to Shares…… 22#
Check Withdrawal from Shares:
To be Mailed………………... 31#
To be Picked Up (Htfd only). 32#
Loan Payments:
From Shares………………... 41#
From Draft Account………… 42#
Rate Information:
Dividend Rates……………... 51#
Miscellaneous:
Repeat Last Response……. 80#
End Conversation………….. 99#
Check Cashing
ATM Card
Visa Credit Card
Direct Deposit
Payroll Deduction
Money Orders
Teller Checks
Legal Services Plan
Wire Transfers
Insurance Products
Life Savings Insurance – Up to $2,000 of free coverage, Automatically
Loan Protection Insurance – Up to $10,000 of free coverage, Automatically
Accidental Death and Dismemberment Insurance
Long Term Care Insurance
Credit Disability Insurance
Share Services
Regular Savings
Share Draft (Checking) Account
Christmas, Vacation, Special Purpose Club Accounts
Certificates of Deposits
IRA
Roth IRA
Coverdell Education Savings Accounts - Education IRA
Shares insured up to $100,000 by the NCUA
Falcon Fraud Detection System for your VISA®
CSE Credit Union has added an advanced fraud detection system for your Visa credit card. The name of this fraud detection system is Falcon. Falcon works by constantly monitoring your regular spending patterns. To prevent fraud, purchases that fall outside of these patterns are reviewed and sometimes verified with you. As your purchasing patterns change over time, Falcon recognizes these changes and adapts to your new patterns. Falcon Might Be Calling You
If suspicious charges or transactions outside of your normal spending pattern appear on your card, Falcon will contact you by phone on behalf of CSE Credit Union to verify the charges. To verify your identity, you may be asked to provide personal information such as address, birth date or the last four digits of your social security number. You will NEVER be asked to provide your full social security number, Visa card number, account number, PIN, or 3-digit security code found on the back of the card. If Falcon is unable to reach you directly, they will leave a message identifying themselves as Visa Falcon Fraud Prevention Service calling to verify a purchase made with your CSE Visa card. To ensure this call is legitimate, Falcon will always provide 1-800-890-5097 as the toll-free call back number. When you call back you will reach an automated system that will prompt you to verify the purchase in question. Traveling Outside the United States of America?
If you plan to travel and want to avoid reviews of your transactions by the Falcon system, please notify the credit union. We will add that information to the monitoring during the period you are away.
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