Capitol Region can help members who need mortgage financing to purchase or re-finance residential real estate throughout most of the United States. Working with two mortgage partners, we offer a complete selection of fixed-rate and adjustable-rate mortgage financing plans. 
        For information or an appointment to help you select or apply for a mortgage loan that can suit your needs, call Laurie Mornhineway, Loan Manager, 860-513-4024 x 212...or Click here to link directly to our partner MortgageMarkets CUSO for immediate online rates and information. When asked, please state your membership in Capitol Region. 

                      REVERSE MORTGAGES for MEMBERS 62+
                                         To Convert Home Equity into Cash
Reverse mortgages are for members 62 or older who wish to convert into cash some of the equity in their residence. The cash may be used for any purpose. There are no required monthly mortgage payments, no income requirements and no credit limitations. Proceeds are tax-free and do not affect Social Security or Medicare benefits. The mortgage does not have to be repaid until the resident permanently leaves the property. The most popular reverse mortgage is the FHA-Insured Home Equity Conversion Mortgage.
        Please call Laurie Mornhineway, Loan Manager, 860-513-4024 x 212, for information to assist you in evaluating the benefits and features of a Reverse Mortgage. ("Apply Now" link above is not for Reverse Mortgages.)

Certificates - Term Shares		Dividend Rate	APY	Term (months)	Minimum Balance
Balances Between $1,000 to <$2,500 -	3 Month Term	1.75	1.76	3	$1000.00
	6 Month Term	2.05	2.07	6	$1000.00
	12 Month Term	2.15	2.17	12	$1000.00
	18 Month Term	2.25	2.27	18	$1000.00
	24 Month Term	2.30	2.32	24	$1000.00
	36 Month Term	2.50	2.53	36	$1000.00
	48 Month Term	2.70	2.73	48	$1000.00
	60 Month Term	2.90	2.94	60	$1000.00
Balances Between $2,500 to <$10,000	3 Month Term	1.85	1.87	3	$2500.00
	6 Month Term	2.15	2.17	6	$2500.00
	12 Month Term	2.25	2.27	12	$2500.00
	18 Month Term	2.35	2.38	18	$2500.00
	24 Month Term	2.40	2.43	24	$2500.00
	36 Month Term	2.60	2.63	36	$2500.00
	48 Month Term	2.80	2.84	48	$2500.00
	60 Month Term	3.00	3.04	60	$2500.00
Balances $10,000 & <$50,000 -	3 Month Term	1.95	1.97	3	$10000.00
	6 Month Term	2.25	2.27	6	$10000.00
	12 Month Term	2.35	2.38	12	$10000.00
	18 Month Term	2.45	2.48	18	$10000.00
	24 Month Term	2.50	2.53	24	$10000.00
	36 Month Term	2.70	2.73	36	$10000.00
	48 Month Term	2.90	2.94	48	$10000.00
	60 Month Term	3.10	3.14	60	$10000.00
Balances $50,000 & Up-	3 Month Term	2.45	2.48	3	$50000.00
	6 Month Term	2.75	2.79	6	$50000.00
	12 Month Term	2.85	2.89	12	$50000.00
	18 Month Term	2.95	2.99	18	$50000.00
	24 Month Term	3.00	3.04	24	$50000.00
	36 Month Term	3.20	3.25	36	$50000.00
	48 Month Term	3.40	3.45	48	$50000.00
	60 Month Term	3.60	3.66	60	$50000.00

Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.