Update on Lobbies

We thank you for your patience and understanding during this difficult time.  We appreciate how many members have taken advantage of all of our self-service options to conduct their banking.  As we continue to service you over the phone, through the mail and through the Hartford drive-thru, we’re working behind the scenes to prepare the credit union to partially reopen in the future.  We’re installing sneeze guards, partitions, and social distancing floor markers in all lobbies.  We’re also in the process of acquiring hand sanitizer and disinfectant to ensure we can keep our employees and members safe.

Due to many required supplies being on backorder, we aren’t quite ready to reopen this week.  When we do reopen, we’ll be limiting the number of members allowed in the lobbies at one time.  We’ll also require the following:

  • All members and employees wear masks in the credit union.
  • All members and employees practice social distancing.
  • Teller transactions will be limited to cash transactions only.  Drop-boxes should be used for all other transactions.
  • All members should bring their own pens.

As soon as we know the date we can reopen, we will post it on our website and through an E-Alert.  Different branches may reopen on different dates.

Until then, we thank you for your continued patience.  If you haven’t already done so, we encourage you to sign up for our VISA Debit card, online banking, mobile banking and our other self-service products so that you can continue to bank in a safe manner.  Our Hartford drive-thru will also remain open from 8:00 A.M. - 5:00 P.M. until further notice.

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.

Update on Available CSE Services

At CSE Credit Union, the safety and security of our employees and our members is our top priority. In order to mitigate person-to-person contact and comply with state and federal directives, all CSE lobbies are currently closed.  Please be aware of the following changes:

1. The Hartford drive-thru will remain open with expanded hours:  8:00 A.M. – 5:00 P.M., Monday-Friday.

2. Our phone lines will remain open between 8:30 A.M. and 4:30 P.M., Monday-Friday. 

  • Hartford:  860-522-5388
  • Storrs:  860-429-9306
  • New Haven: 203-397-2949
  • Norwich: 860-889-7378
  • Southbury: 203-267-7610
  • Middletown: 860-347-0479
  • Newington: 860-667-7668
     

3.  Some shared branching locations are still open to CSE members, but many are now closed. We highly encourage you to call the shared branch to verify ahead of time that they will serve CSE members.  Keep in mind that transactions are limited to deposits, withdrawals, balances and loan payments only.  You will need your account number, government-issued photo-ID and our credit union name, Connecticut State Employees Credit Union.  In addition, each shared branch might ask additional verification questions.  

CSE offers several resources for self-service banking, which include the following:
 

CSe-Banking – Our online banking system allows you to check balances, view transactions, make transfers, and pay bills.  If you haven’t enrolled yet, it’s easy to do.  Enroll now

myCSE mobile app - We are pleased to announce that we now have a mobile app called myCSE.  You can download it to your phone and/or tablet.  Click here for details.  

Telephone Teller – Call our automated telephone teller service at 860-249-0197 (from within the Hartford area) or 1-800-458-1319.  You can check balances, transfer funds, verify cleared share drafts, make loan payments and even send withdrawal checks to your home. Apply by mail today

Call Member Services or any of our branch locations. Over the phone, you can ask for balances, request checks be sent to your home, initiate wire transfers, and do transfers to other CSE accounts.  We can also assist with enrolling in CSe-Banking and our other services. 

• Use your VISA Credit Card or VISA Debit Card to make purchases and get cash from either retailers or an ATM. There are over 30,000 surcharge-free ATMs in the United States, including many 7-Elevens.

• Send your checks for deposit by mail.  You don’t need to deposit your checks in person.  Send your endorsed checks in the mail to us at CSE Credit Union, 84 Wadsworth St, Hartford, CT 06106.

• Use our drop boxes to deposit your endorsed checks (no cash, please).  We will have drop boxes available at all of our locations over the next coming days. 

• Call the Loan Department in Hartford at 860-522-7147 or any of our branch locations with questions about your loan.  You can apply for a new loan by mail. Click here for an application form.

We encourage you to sign up for E-Alerts to receive up-to-date emails about our business operations.

As we continue to closely monitor the situation, we will evaluate additional measures we can take to support our employees and members. For more information about COVID-19, call 2-1-1.

CSe-Banking, Mobile App and Hartford Call Center

Due to high usage and volume levels, the following services may be intermittently slow or temporarily down:

  • CSe-Banking - Our online banking service may be slow to open, but if you keep trying, you should be able to log in.  
  • myCSE mobile app - If you receive a message saying "We are unable to validate your information," it means the system is temporarily down.  
  • Member Services Phone Lines - Wait times for our Member Services lines (860-522-5388) may be higher than normal.  You are also welcome to call any of our other branches for over-the-phone service.
    • Storrs - 860-429-9306
    • New Haven- 203-397-2949
    • Norwich - 860-889-7378
    • Southbury - 203-267-7610
    • Middletown - 860-347-0479
    • Newington - 860-667-7668

 

Coronavirus Pandemic Plan

CSE Credit Union is closely monitoring the spread of the coronavirus, or COVID-19.  CSE Credit Union has a comprehensive Business Continuity Plan which ensures inter-departmental cross-training of employees. This Business Continuity Plan includes a pandemic plan which we have in place to ensure we are positioned to provide consistent, critical service levels to our members if there is a pandemic outbreak in the United States.

Should circumstances worsen, please be reassured we are prepared and will communicate directly through our e-alerts or publish information on our website. To sign up for e-alerts, fill out your name and e-mail address in the blue box on the left-hand side of this screen.

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...