Matching Gifts is Back!

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4.00% APY* for 8 Month OR 5.00% APY* for 30 Months

Share Certificates Limited Time Offers


Earn 3.00% APY*

Let your money work for you!


Members have been successful in following this troubleshooting guide to fix connectivity issues with logging into online banking and our app.

Members receiving new Visa® Cards from Elan. We have provided a timeline of the conversion along with FAQs.

Enjoy These Great Offers!

Rates Effective September 25th, 2023

Checking Accounts

GO Checking

Earn 3.00% APY*

Savings Accounts

Health Savings Account

Earn 1.50% APY*

Auto Loans

Auto Loan

Rates as low as 5.99% APR**

Accelerator Mortgage

Rates as low as 5.24%/5.32% APR**

*APY = Annual Percentage Yield

**APR = Annual Percentage Rate


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Business Banking

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charter oak federal credit union

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Charter Oak Federal Credit Union

They may have begun with a small investment, but their dreams were big, and their vision even bigger.

Charter Oak Federal Credit Union started out small in 1939, when most of the Credit Union business was run out of a lunchbox. Since that time, we’ve grown and changed, but one thing remains the same. We continue to make member service a number one priority.

We recognize the importance of our members. Once a member, you are a member for life and entitled to all the services Charter Oak offers. It is our dedication to members that keeps the credit union strong and operating efficiently.

We reflect on the memories of the simpler days and strong relationships. We take great pride in the communities we serve and are proud that our field of membership has expanded and our community has gotten bigger. Our dreams for the future are to continue serving members and their families as we have been doing for over 84 years.