Charter Oak Federal Credit Union

Members Bank Better.

Featured for Our Members

Launching Soon!

Tilly, our new voice-activated self-service phone system launching soon!

Exciting news for sure… so let’s make sure your account is setup for this new experience. Click to view the checklist >

Upcoming Virtual Financial Workshops

These free workshops can be joined from the comfort of your home... attend as many as you like.

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Adjustable Rate Mortgage

Get a low interest rate on your next home with flexible term options on our 5/1 ARM, 7/1 ARM and more.

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Home Equity Loan

No need to put off those plans for the future any longer. Get low interest rates on home equity loans or a line of credit.

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GO Checking

Our number one checking account earns you 3.00% APY¹ on your money.

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Bright Future Savings

A perfect account for ages 14-28 that earns 3.00% APY¹, pairs with our Bright Future Checking.

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Auto Loans

Get the lowest rates on new and used car loans. Check out our preferred dealers list.

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Rates Effective September 18th, 2025

¹APY = Annual Percentage Yield | ²APR = Annual Percentage Rate

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Your Passion

We offer unique solutions for our business loans, lines of credit or commercial mortgages. Competitive rates, no application fees and no prepayment penalties.

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Gold Rewards

Since we started Gold Rewards in 2010, Charter Oak has paid out over $8.2 million in annual $100 cash bonuses to its qualified Gold Rewards members!

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Online Banking

Managing all of your finances... anywhere, anytime, from any device. Our online banking offers a safe, sound and secure way to bank.

Charter Oak Federal Credit Union

It all began in a shipyard and a shoe box.

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.

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