AUTO LOANS

CHARTER OAK'S AUTO CENTER

It's Easy to Apply!!!

Apply Now

Get PRE-APPROVED ONLINE and visit one of our preferred dealers.

Call a Charter Oak representative at 860.446.8085 or 800.962.3237 or visit any Charter Oak Branch.


Vehicle Loans

Pick out the car of your dreams and get convenient, low cost Charter Oak financing.

NEW OR USED AUTOMOBILES  
Model Year Rates as low as
2016 - 2018 2.24% APR*
2014 - 2015 2.99% APR
2011 - 2013 3.99% APR
2008 - 2010 4.99% APR
2007 5.99% APR
  • Convenient terms to fit your budget
  • Guaranteed Asset Protection Insurance (GAP) Available
  • $25 Rebate for new loans with automatic payment from a Charter Oak account.

Please note:

  • Loan to values are based on total amount of funded loan divided by MSRP for new vehicle and NADA Retail for used vehicles.
  • Maximum used vehicle mileage: 125,000
  • No commercial use vehicles, max GVW 10,000 lbs
  • Minimum amount financed for new or used vehicles: $5,000 (except 84 month term)

AutoSMART Center - Get Started Now

Find a Preferred Dealer

We have partnered with dealerships in your neighborhood to offer you a convenient way to purchase a vehicle and get your credit union financing.

Find new and used autos from a Preferred Dealership near you! Research... Apply... Purchase... and Drive! Click on the button above to Get Started!

*APR=Annual Percentage Rate. The lowest APR assumes that your vehicle meets our underwriting guidelines. Your rate may vary depending on your credit history, term, and age of the vehicle.


AUTO Insurance

Your car's most important accessory doesn't come from your dealer.

None of your car's accessories is more important than the insurance policy that covers it. With discounts for Charter Oak Federal Credit Union membership, the TruStage Auto & Home Insurance Program could save you money. Working with big-name companies we’ve carefully selected, you can expect top-notch service and solid value. It’s easy to get a quote and make the switch—even if you’re already covered with another company, you won’t lose a penny. Isn’t it time for car insurance the credit union way?

Charter Oak Federal Credit Union Auto Insurance

What is TruStage INSURANCE?

TruStageTM is insurance the credit union way. Our products and programs are made available through TruStage Insurance Agency and offered only to credit union members. Today, more than 15 million members rely on us for our products, programs, services, expertise and experience. With a commitment to dependability and a members-first philosophy, we help you protect what matters most.

TruStage™ Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. *Figure reflects average national savings for customers who switched to the TruStage Auto Insurance Program. Based on data collected between 9/1/2012 and 8/31/2013. Individual premiums and savings will vary.

MAH-0213-40ED


Preferred Dealers

DEALER NAME DEALER ADDRESS PHONE WEBSITE
Antonino Acura Route 184, 340 Gold Star Hwy, Groton, CT 06340 860.448.1299 www.antoninoacura.com
Brustolon Buick-GMC  47 Stonington Westerly Rd, Mystic, CT 06355 860.536.2626 www.brustolon.com
Cardinal Honda 531 Route 12, Groton, CT 06340 860.449.0411 www.cardinalhonda.com
Charles Toyota-Scion 500 West Thames St, Norwich, CT 06360 860.889.8375 www.charlestoyota.com
Columbia Ford 234 Willimantic Rd, Columbia, CT 06237 860.228.2886 www.columbiaford.com
Crest Ford 218 Flanders Rd, Niantic, CT 06357 860.739.5403 www.crestfordofniantic.com
Falvey's Motors 395 West Thames St, Norwich, CT 06360 860.889.3371 www.falveys.com
Gates GMC-Buick-Nissan 143 Boston Post Rd, North Windham, CT 06256 860.456.0055 www.gatesgmcnissan.com
Girard Ford 450 West Thames St, Norwich, CT 06360 855.866.6217 www.girardford.com
Girard Nissan 425 Gold Star Highway, Groton, CT 06340 860.448.0050 www.girardnissan.com
Girard Toyota BMW of New London 543 Coleman St, New London, CT 06320 860.447.3141 www.girardtoyota.com
Holmgren Subaru 3 New Park Ave, Franklin, CT 06254 860.889.2651 www.holmgrensubaru.com
King Cadillac GMC 139 Pomfret St, Putnam, CT 06260 860.928.6572 www.kingcad.com
Longmeadow Automotive 92 Gary School Rd, Pomfret Center, CT 06259 860.928.5363 www.longmeadowauto.com
Michael Kia 421 Route 12, Groton, CT 06340 860.449.1242 www.michaelkiaofgroton.com
M.J. Sullivan Automotive Corner 452 Broad Street, New London, CT 06320 860.443.8432 www.mjsullivanauto.com
Nissan of Norwich 891 West Thames St, Norwich, CT 06360 860.892.6000 www.nissanofnorwich.com
Putnam Ford 3 Park Road, Putnam, CT 06260 860.928.2731 www.putnam-ford.com
Scranton Chevrolet of Norwich 774 W Thames St, Norwich, CT 06360 888.232.1431 www.scrantonchevy.com
Secor’s Auto Center 545-575 Broad Street, New London, CT 06320 860.442.3232 www.secorauto.com
Secor Domestics 407-409 Broad Street, New London, CT 06320 860.443.8335 www.secorauto.com
Secor Subaru Inc. 501 Broad Street, New London, CT 06320 860.442.2323 www.secorauto.com
TJ Motors 308 Broad St, New London, CT 06320 860.443.6301 www.tjmotors.com
Toyota of Colchester 100 Old Hartford Rd, Colchester, CT 06415 860.537.2468 www.toyotaofcolchester.com

Enjoy these great offers!

 

EARN
 

3.00%apy*


ON GO CHECKING

ACCOUNTS


UP TO $10,000, PLUS ATM
FEE REBATES​


 

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* APY = Annual Percentage Yield

 

EARN
 

2.50%apy*


ON HEALTH SAVINGS

ACCOUNTS (HSAs)


NO SERVICE FEES!
PAY BY CHECK OR DEBIT CARD!


 

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* APY = Annual Percentage Yield

 

ACCELERATOR MORTGAGES
AS LOW AS

2.49%  /
2.55%apr**


 

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** APR = Annual Percentage Rate

 

AUTO LOAN RATES
AS LOW AS

 

2.24%apr**



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** APR = Annual Percentage Rate