Core Insights - Connexus Credit Union is a not-for-profit financial cooperative serving over 430,000 members nationwide, offering a range of financial products including deposit accounts, personal loans, home loans, and auto loans [1] Product Offerings - The Xtraordinary Checking Account offers an annual percentage yield (APY) of up to 5% with no minimum opening deposit or balance required to earn dividends [2] - To qualify for the advertised APY, members must enroll in eStatements and either make a minimum of 15 debit card purchases or $400 in net spend purchases [3] - The Simply Free Checking Account has no interest earnings but is free to open with no monthly fees or minimum balance requirements [4] - The Teen Checking Account is available for ages 10 to 17, requiring a parent or guardian as a joint owner, and converts to a Simply Free Checking Account upon turning 18 [5] - The Simply Savings Account offers a 0.1% APY with a minimum daily balance of $100 required to earn interest [9] - Connexus offers share certificates with terms from 6 to 60 months, requiring a minimum deposit of $5,000 for regular certificates and $100,000 for jumbo certificates, with rates of 2% and higher [7][8] - The Health Savings Account (HSA) provides a tax-advantaged way to save for health-related expenses, earning dividends at a tiered rate up to 1.01% APY [11] Loan Products - Connexus offers various types of auto loans, including loans for new and used vehicles, refinancing, and recreational vehicles [17] - Home loans include mortgage loans, refinancing, home equity loans, and VA home loans [17] - Personal loans are available with rates starting at 5.24% for secured loans and 9.99% for unsecured loans [17] Additional Services - Connexus provides insurance services with $2,000 coverage guaranteed for members, and investment services including complimentary financial consultations [18] - Financial wellness services are available to help members with debt management and improving credit scores [18] Membership and Accessibility - Membership is open to anyone in the U.S. with a one-time $5 donation to the Connexus Association [24][25] - Connexus has a large fee-free ATM network with over 67,000 ATMs available [25] - Limited physical branches are located in Minnesota, Wisconsin, and Illinois, but members can access services through the CO-OP Shared Branch network [25] Customer Service and Technology - Customer service is available via telephone, secure message, and live chat during specified hours [21] - The mobile app has an average rating of 4.7 on both the App Store and Google Play, allowing account management and transactions [22] Social Responsibility - Connexus Cares program supports over 300 local and national non-profit organizations, contributing to community welfare [23]