The Nutmeg State Financial Credit Union is a personal loan from Nutmeg State Financial Credit Union. The ongoing APR is 10.00%–13.00% APR based on creditworthiness.. Typical credit limit: Up to $40,000 available funds. Loan terms: All personal loans are repaid in equal monthly payments for the full term of the loan. Available terms are up to 60 months. No balloon payments apply..