New Voice Activated Self-Service
Please text “START” to 860-446-3251 to enroll for one-time SMS opt-in codes. To learn more about how to ensure your account is ready for this new experience, read our checklist and FAQs.
Featured for Our Members
Upcoming Virtual Financial Workshops
These free workshops can be joined from the comfort of your home... attend as many as you like.
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.
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.
GO Checking
Our number one checking account earns you 3.00% APY¹ on your money.
Bright Future Savings
A perfect account for ages 14-28 that earns 3.00% APY¹, pairs with our Bright Future Checking.
Auto Loans
Get the lowest rates on new and used car loans. Check out our preferred dealers list.
Rates Effective November 28th, 2025
¹APY = Annual Percentage Yield | ²APR = Annual Percentage Rate
Welcome Charter Oak Federal Credit Union
A Trusted Credit Union for Your Financial Journey
At Charter Oak Federal Credit Union, we’re committed to helping you build a stronger financial future. Trusted for over 85 years, we're a credit union for individuals, families, and businesses across our community, we offer the perfect balance of modern technology, personalized guidance, and comprehensive financial solutions.
A Holistic Approach to Banking
We believe great banking goes beyond accounts and transactions—it’s about understanding your goals and supporting you at every step. Our holistic approach combines advanced digital tools with the personal experience you expect from a trusted local credit union. Whether you’re managing everyday finances or planning long-term, we’re here to make it simple, secure, and convenient.
Why Choose Charter Oak?
Because you deserve a trusted credit union—one that puts your financial needs first, supports your goals, and equips you with the tools to succeed. At Charter Oak, you get the perfect blend of technology, personal service, and trusted expertise.
Your goals. Your community. Your credit union.
Welcome to better banking. Welcome to Charter Oak Federal Credit Union.
