An electrical connector (10) includes a dielectric housing (12) having a terminal-receiving passage (14) for insertion thereinto of a terminal (16) in a given insertion direction (A). The terminal includes a first spring contact arm (22) projecting into the passage (14) for engagement by an appropriate first mating conductor. An engagement arm (26) is in line with the first spring contact arm (22) to provide an engagement shoulder for an insertion tool which forces the terminal (10) into the passage (14) of the housing. A second spring contact arm (24) is offset laterally of the insertion direction (A) from the first spring contact arm (22) out of a path for the insertion tool to the engagement arm. The second spring contact arm (24) is adapted for engagement by an appropriate second mating conductor.