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- As a full-service, not-for-profit financial institution, we serve the
financial needs of those living, working, worshiping or attending school
in Torrington as well as the NW CT Chamber of Commerce’s membership.
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- You can benefit from membership by taking advantage of what we have
to offer you:
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- Share Savings
- Your share savings account represents one share of ownership in the
credit union, and entitles you to the any benefits and products we
offer. Dividends are paid quarterly.
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- Share
Draft (checking) & Share Draft (checking) PLUS
These accounts operate as dividend-earning checking accounts, with low
minimum balance requirements and no fees. Members may cash checks up to
a daily limit of 2,500. With Share Draft (Checking) PLUS, all VISA® leek
Card transactions are FREE when you maintain a 500 minimum balance!
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VISA Check Cards
It’s an ATM card...only better! Use this card worldwide instead of
checks and have the amount deducted from our Share Draft (Checking)
Account.
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- Check Cashing
We will cash share drafts/checks drawn on members’ accounts and credit
union accounts up to a daily limit of 2,500 for credit union members
only.
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- Special Club Accounts
- Save for holiday or vacation expenses in these special accounts,
assuring you of funds when you need them most.
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- Individual
Retirement Accounts/IRA Certificates
- RA accounts for the purpose of saving toward retirement re available
to the extent allowed by law. Certificates are also included in the IRA
program.
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Share Certificates
Certificate investment savings plans are available for a variety of time
periods at various dividend rates. A premium balance is required.
Dividends are compounded and posted monthly.
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Audio Response
Call (860) 496-7326 to access your account 24 hours a lay, seven days a
week.
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- Payroll
Deduction and Direct Deposit
- For your convenience, we can easily arrange electronic direct deposit
of your payroll, Social Security or other government checks into your
account, handle any type of electronic funds transfer and make automatic
payroll deduction for savings or loan payments.
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VISA Credit Cards
- Our credit union VISA® card offers an interest rate lower than most
other credit cards. Use your VISA® to pay off balances on higher-rate
cards.
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- Signature Loans (unsecured)
- Provided they meet a few specific requirements, members may borrow on
their signature alone.
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- Signature Loans
- Loans are secured by real property and/or share savings accounts for
various time periods.
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- New &
Used Vehicle Loans
- Vehicle loans are available at competitive rates for both new and
used at a variety of terms.
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- First &
Second Mortgages/Home Equity Loans
- Fixed Rate loans are available for home purchases, home improvement,
education, and other major financial needs.
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Home Equity Lines Of Credit
- Secured loans based on real estate are available to members at
competitive rates.
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- Overdraft Line Of Credit Loan
Connected to your checking account, this line is activated when funds
are not available in your account to cover a check. The line creates a
loan, the check is paid and monthly payments are established.
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- Special Services
- Take advantage of these other service benefits just by joining the
credit union:
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- Gifts Checks
Traveler’s Checks
Cashier Checks
Wire Transfer Services
U.S. Savings Bonds
Family Membership Deposit Insurance (up to $100,000)
Electronic Tax Filing Service
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