Personal Loan Center
Trusted for over 80 years, we've been helping members find personal loans they need to make those larger purchases. We offer competitive rates and terms on both personal loans and personal lines of credit.
Readi-Cash Too
(Personal Line of Credit)
Imagine: a perfect loan for busy people just like you. Your perfect loan is now available. It's called Readi-Cash Too. Now you can enjoy a truly great rate coupled with convenient access. Readi-Cash Too is an open-end credit product with limits to $5,000. It can be activated from across town or across the country easily via our Contact Center, Info-Phone, online, an ATM, or simply by writing a check.
| Rates as low as: |
|---|
| 11.50% APR* |
Loan Options
It's simple: you have wishes and dreams. Charter Oak has the money to help you see them come true. For more than 80 years we've helped thousands of people with loans. We're here to serve you, too.
- Low, fixed rates.
- Convenient terms.
- $25 Rebate for new loans with automatic payment from a Charter Oak account.
| Unsecured Personal Loan | Rates as low as: |
|---|---|
| 12 months | 7.75% APR* |
| 24 months | 8.05% APR |
| 36 months | 8.30% APR |
| 48 months | 8.50% APR |
| 60 months | 8.75% APR |
| Secured Loans | Rates as low as: |
| Share Secured Loans | 2% above dividend rate |
| Share Certificate | 2% above issued dividend rate |
Personal Credit Card
Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
No matter which card you choose, you'll enjoy important features like:
- Convenient and flexible purchasing power. Accepted at millions of locations worldwide.
- Mobile Purchasing capability for added convenience.
- Zero Fraud Liability.¹ You won't be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day/365 days per year.
- Plus much more!
* APR = Annual Percentage Rate. Your rate may vary, depending on your credit history and whether you qualify as a “Gold Rewards” member.
1. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Rates Effective May 10th, 2025