Membership

Want to become a member? Everything you need to know is right here.

Membership Appreciation Day

It's time to Celebrate You - Our Member!

MEMBER APPRECIATION DAY SPECIALS!

Share Certificates - Offered from September 9 - 23, 2022

  • 2.50% APY* for 10 months

  • 3.00% APY* for 15 months

Loans - Offered from September 16 - 30, 2022

 

Member Appreciation Day
Saturday, September 17 from 9:00am - 12:00pm at Colver Ave, Groton

  • 9:00am - 12:00pm - Shred-it on site.  Two (2) box limit
  • ​10:30am - 12:00pm - Rolling Tomato Pizza Truck 
  • Food Drive - Bring non-perishable food items and Scient will match the total pounds collected
  • ​Spin our Prize Wheel for a chance to win gift cards and Scient merchandise

*APY = Annual Percentage Yield. Rates effective September 9–23, 2022. 2.50% APY is valid on the special 10-month Share Certificate and minimum balance is $1,000, maximum balance is $250,000 with up to $10,000 allowed in existing money. 3.00% APY is valid on the special 15-month Share Certificate and minimum balance is $1,000, maximum balance is $250,000, all new money. Promotional rates are limited to one special share certificate per social security number. Fees or other conditions may reduce the earnings on your account. A penalty may be imposed for early withdrawal.
**APR = Annual Percentage Rate. 9.99% APR offered for credit scores 660 or higher on a 60-month Personal Loan. The monthly payment on a $10,000 60-month Personal Loan at 9.99% APR is $212.42. Rate may vary and will be determined by your credit score. Maximum loan is $10,000. Other restrictions may apply. Offer runs September 16-30, 2022.
***Promotional rate for qualifying members with a credit score of 680 or above. APR may be higher due to per diem interest. For example, a $20,000, 5-year fixed loan at 3.49% will have a principal and interest payment of $363.75 APR of 3.694% (assuming 20 days of interest at $0.7986/day = $15.97 of per diem interest). The promotional rate is offered September 16 – 30, 2022, online or in person. Up to 80% LTV/CLTV for qualified loan. $10,000 Minimum Loan Amount and a $50,000 Maximum Loan Amount. Primary Residence only. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply. Rates, terms and conditions are subject to change. 
These are limited-time offers and may be canceled at any time without notice. Other terms and conditions may apply. See credit union for details. 

 

 

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Membership

Get on board and enjoy the benefits.

It's no wonder people want to be part of Scient FCU! As a nonprofit financial institution, we offer lower fees, reduced loan rates, and higher earnings on deposit accounts. How can you join thousands of others in taking advantage of such exceptional financial services? There are three paths to membership:

  1. Employer Groups
  2. New London Ties
  3. Consumer Council Membership

No matter how you qualify to join, a one-time membership fee of $5 is all that’s required to become a Scient member for life.

The Credit Union Difference

When you belong to a credit union, you’re a member of a not-for-profit financial institution. That means any revenues beyond expenses are reinvested in the form of better rates and lower fees for the members, unlike banks who pay their stockholders.

Each member owns a part of the credit union upon investing their “share” (this is the initial $5 deposit into your Scient Share Savings account) and receives one vote at the credit union’s annual meeting. Those votes choose our Board of Directors and each board member serves for a term and may be re-elected. Any member in good standing may run for an open position on the Board of Directors.

Credit unions offer many of the same products and services provided by for-profit banks, including checking, savings, loans and online banking. Credit unions even have a nationwide ATM network allowing fee-free access to your money.

Employer Groups

If you are an employee or retiree of one of the dozens of companies, organizations or government offices that make up our select employer groups (see list below), you qualify for membership. So do immediate family members of an employee or retiree of one or the employer groups.

Membership to Scient Federal Credit Union is open to employees, retirees and their immediate family members of the following approved companies, organizations and government offices:

  • Accountabilities
  • Adecco
  • Advance Service
  • Aerotek
  • Allegro Group
  • Aps Healthcare
  • Aramark
  • Ars Inc.
  • AZ Corporation
  • Biocom
  • BKM
  • Blackburn
  • BLC Consulting
  • Bright Horizons
  • Bruckner Supply
  • CCSI Inc.
  • Compass USA
  • Compucom
  • Comsys
  • Connor & Connor
  • COVX
  • Crothall Group
  • Csdg
  • Dattco
  • EF Crandall
  • Execupharma
  • Exelixis Inc.
  • Federal Correctional Institution in Danbury, CT
  • General Physics
  • Golden Compass
  • Hudson Global
  • i3 Pharma
  • Infosys Tech
  • Insight
  • Integrity Integrators
  • Internection
  • J Craig Venter
  • Janssen R&D
  • Johnson Control
  • Johnson Hardware
  • Jones Lange & Lasalle
  • Judge Technical
  • JW Associates
  • Keane Inc.
  • Kforce
  • L.C. Hutchins
  • Manafort Brothers
  • Manpower
  • Mattern Construction
  • McCaughtry & Associates
  • McKinsey & Company
  • Mentor 4 Inc.
  • Money Concepts
  • Moveplan
  • Mresult Corporation
  • Mspec USA Corp
  • New London Historical Society
  • New Millennium
  • Next Ira
  • Nucon
  • Pfizer
  • Pharmatek
  • Pro Fitness
  • Radiant Systems
  • Raytheon Prof
  • Rinat
  • Robert N. Giaimo Federal Building at 170 Orange Street, New Haven, CT (U.S. General Services Administration, Dept. of Defense, U.S. Social Security Administration, U.S. Department of Health, Education and Welfare, U.S. Justice Department and U.S. Labor Department)
  • Sagarsoft
  • SAIC
  • Sapphire Tech
  • Saybrook Associates
  • Scient Federal Credit Union
  • Securitas Security
  • Sigma Systems
  • Sl Your Partner In Health
  • Smith Hanley
  • Sodexho
  • Southern CT Processing and Distribution Center who work in Wallingford, CT
  • St. Andrews Community Nursery & Day Care Center in New Haven, CT
  • Tech Air
  • Tek Systems
  • Tvcca
  • U.S. government security guards working at the postal facilities at 50 Brewery Street or 141 Church Street in New Haven, CT
  • U.S. Postal Services in Ansonia, Beacon Falls, Bethany, Brandford, Centerbrook, Chester, Clinton, Deep River, Derby, East Haddam, East Haven, Essex, Guilford, Hamden, Ivoryton, Madison, Milford, Moodus Naugatuck, New Haven, New London County, North Branford, Northford, North Haven, Old Saybrook, Orange, Sandy Hook, Seymour, Shelton, Southbury, Westbrook, West Haven, Windham County and Woodbridge, CT
  • Ventrura
  • Vertex Inc.
  • Volt Services
  • Williams Lea
  • World Travel

New London Ties

You can join Scient if you live, work (or regularly conduct work-related business), worship or attend school in one of the 12 census tracts within New London County, CT. (Those tracts are 6901, 6902, 6903, 6904, 6905, 6907, 6908, 7022.01, 7022.02, 7023, 7025, and 7027). It only takes a minute to see if you live in one of those census tracts.

Consumer Council Membership

If you don't meet workplace or geographic eligibility guidelines, there's another option. You can join the credit union as a member of the American Consumer Council (ACC), Connecticut Chapter. The ACC is a non-profit organization focused on consumer advocacy and financial education. It’s free to join, and the ACC does not sell or share membership data without the consent of its members.

No matter how you qualify to join, a one-time membership fee of $5 is all that’s required to become a Scient member for life.

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