Partial Opening of CSE Branches

Effective Monday, June 1, we are partially opening the lobbies at all of our CSE branches.  However, given the need for continued precautions during this pandemic, we will have several limitations:

  • Lobbies are for cash transactions only.  All other transactions should continue to be processed through the drop boxes and mail.
  • Only a few members will be allowed in the lobby at a given time.
  • Members will wait outside the lobby door until called in by a credit union representative.
  • All members and employees will be required to wear masks.
  • All members will be asked to briefly lower their masks for the teller in order to be identified.
  • Members should bank solo.  Only one person per household allowed.
  • Members should bring their own pens.
  • All members and employees will be expected to follow social distancing measures.

We will also be frequently disinfecting our lobby areas and will have hand sanitizer available for our members. 

For the protection of our employees and members, we do ask that you only visit the lobbies if it’s necessary.  Whenever possible, we ask that you continue to do your banking through our various self-service options listed below:

We thank you for your patience and cooperation during this difficult time.

Debt Consolidation Loan

If your mailbox is filling up with bills, it might be time to consider a debt consolidation loan.  We will work with you to pay off those high-interest credit cards or other high-rate debt that has accumulated.

  • Loans up to $15,000
  • 7.99% APR* fixed rate
  • One bill to pay each month

To apply, download an application form and mail to any of our branches.  Completed applications may also be returned to a drop box at any of our branches.  

Deadline to apply is September 1, 2020.  

*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.  

We're Here To Help

We are committed to supporting our members affected by COVID-19.  We’re here to provide you with as much help as we can to help you navigate through these difficult times.*

Skip-A-Pay
If you are experiencing hardship due to COVID-19, you may be able skip up to three months of payment on any of our loans. There will be no penalties, no late fees and no negative effect on your credit. However, interest will continue to accrue and when you make your next payment, more of the payment will be applied to your interest. Call us at 860-522-3206 for more information or to sign up for Skip-A-Pay. 

Increase of Funds Availability
When you deposit a check, the funds that become available by the next business day will increase from $200 to $500.

Immediate Availability on Most Electronic (ACH) Deposited Funds
When deposits come in electronically to your account, they often come with a hold.  Effective immediately, we will make most funds immediately available. This includes State Payroll, Payroll Deduction, Social Security, etc.

No Early Withdrawal Fee on Certificates of Deposit (CDs)
We understand you might need access to your savings, so we are waiving penalties for early withdrawals on all certificates.

Late Payment Fees on Credit Cards Waived
We are removing the $10 late payment fee for VISA credit cards.

*These temporary emergency offers may be revoked at any time with or without notice.

Home Loan Rates as Low as 2.95% 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 - 2.95% APR*
  • 10 Years - 3.05% APR
  • 15 Years - 3.05% APR
  • 20 Years - 3.40% 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. 

Home Purchase Mortgages Available Through Mortgage Markets CUSO

We are pleased to announce our new partnership with Mortgage Markets Credit Union Service Organization (MMCUSO), an East-Hartford based mortgage lender owned and run by credit unions.  Through MMCUSO, CSE members now have access to home purchase mortgages with terms up to 30 years and amount financed up to 100%.

MMCUSO currently works with 20 credit unions in Connecticut offering FHA, CHFA, VA, USDA and conventional mortgage products.  Whether you are a first-time homebuyer or buying a second home/vacation home (even out of state), MMCUSO has the products you need.

Although MMCUSO is not part of CSE, we work closely with the service organization to ensure you receive the same quality service and honest advice you expect from us.

For more information, call our Loan Department at (860) 522-7147 or click here.

Free eStatements

Sign up for free eStatements through your CSe-Banking account.  Our eStatements have all the same information as paper statements. Once you enroll, paper statements will stop and you'll be notified by e-mail every month when your eStatement is ready to view online.  

To enroll in eStatements, you must be enrolled in CSe-Banking.  Click here to enroll in or access CSe-Banking. Once you are logged into your CSe-banking account, click on Self Service, click on eStatements and then follow the prompts.  Click here for more information about eStatements or contact any of our offices with questions.  

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, siblings, 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. 

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...