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.

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Rates Effective February 29th, 2024

Personal Loans

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.
  • Your rate may vary, depending on your credit history and whether you qualify as a "Gold Rewards" member.
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

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:
12.50% APR*

*APR=Annual Percentage Rate. Your rate may vary, depending on your credit history.