A low insertion force contact terminal comprising: a conductor mating portion for terminating a conductor therein; a securing portion for securing the terminal in a terminal receiving cavity of a housing; a substrate mating portion extending from the securing portion, the substrate mating portion having at least two sections which have curved portions (354, 358) thereon; wherein the at least two sections move independently, causing the curved portions (354, 358) to exert a normal force on walls of through holes of a substrate to which the contact terminal is mated which is sufficient to provide a stable electrical connection while allowing for a low insertion force, wherein the insertion or normal force is equal to or less than 5 Newtons; wherein the securing portion is formed by folding planar conductive material into a box shaped member with a top wall, an oppositely facing bottom wall, a first side wall and a second side wall, a first section of the at least two sections of the substrate mating portion is a first resilient arm which extends from the first side wall and a second section of the at least two sections of the substrate mating portion is a second resilient arm which extends from the second side wall; and wherein the first resilient arm has a first planar portion, a first u-shaped portion and a first curved portion, the first curved portion extends from the first u-shaped portion back towards the securing portion, the second resilient arm has a second planar portion, a second u-shaped portion and a second curved portion, the second curved portion extends from the second u-shaped portion back towards the securing portion. a conductor mating portion for terminating a conductor therein; a securing portion for securing the terminal in a terminal receiving cavity of a housing; a substrate mating portion extending from the securing portion, the substrate mating portion having at least two sections which have curved portions (354, 358) thereon; wherein the at least two sections move independently, causing the curved portions (354, 358) to exert a normal force on walls of through holes of a substrate to which the contact terminal is mated which is sufficient to provide a stable electrical connection while allowing for a low insertion force, wherein the insertion or normal force is equal to or less than 5 Newtons; wherein the securing portion is formed by folding planar conductive material into a box shaped member with a top wall, an oppositely facing bottom wall, a first side wall and a second side wall, a first section of the at least two sections of the substrate mating portion is a first resilient arm which extends from the first side wall and a second section of the at least two sections of the substrate mating portion is a second resilient arm which extends from the second side wall; and wherein the first resilient arm has a first planar portion, a first u-shaped portion and a first curved portion, the first curved portion extends from the first u-shaped portion back towards the securing portion, the second resilient arm has a second planar portion, a second u-shaped portion and a second curved portion, the second curved portion extends from the second u-shaped portion back towards the securing portion.