An electrical terminal for use with an electrical connector which includes a housing for receiving the electrical terminals therein. The electrical terminals have transition portions and substrate mating portions. The transition portions extend from a rear face of the housing. The substrate mating portions extend from the transition portions. The substrate mating portions have substrate engagement ends configured to be inserted into openings of a substrate. Shoulders are provided on the substrate mating portions. The shoulders are in a different plane than a longitudinal axis of the transition portions. Wherein forces associated with mating the electrical terminals to the substrate are transferred through the shoulders to an insertion tool used to move the terminals into the openings.