DEPOSITS

Rates ​Effective December 5, 2016


FEATURED SPECIAL

Get 3% APY on Charter Oak Go Checking
click here for details below


SAVINGS (Share Accounts)

Product Balance APY*
Regular Shares > $0 0.05%
IRA Shares (Individual Retirement Accounts) > $0 0.05%
Club Accounts (Holiday and Vacation) > $0 0.05%
HSA (Health Savings Accounts) > $0 2.50%
Jumbo Money Market Account
Regular or IRA
$0.01 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 - $99,999.99
>= $100,000.00
0.15%
0.20%
0.30%
0.40%

Share & IRA Certificates

Term Minimum Balance APY*
30 Day $10,000 0.05%
3 Month $1,000 0.15%
6 Month $1,000 0.30%
12 Month $1,000 0.40%
Gold - 18 Month 2 $1,000 1.00%
24 Month $1,000 0.70%
36 Month $1,000 1.10%
48 Month $1,000 1.25%
60 Month $1,000 1.50%
72 - 120 Month $10,000 1.50%

CHECKING (Share Draft Accounts)

Product Balance APY*
GO Checking ‡
 
GO Checking Default Rate
(if account conditions are not met) ‡
<= $10,000
> $10,000
All Balances
 
3.00%
0.25%
0.05%
 
Charter Classic >= $1,000 0.05%

‡ GO Checking disclosure and rate information: The GO Checking Account is a split rate tiered account. 3.00% APY is paid on balances up to $10,000. Balances over $10,000 earn 0.25% APY. The default APY of 0.05% will be applied to all tiered balances if account conditions are not met. All Charter Oak foreign ATM fees will be rebated. Surcharge fees charged by other financial institutions or networks will be rebated up to $9.99 each to a maximum of $20 a month and rebated at the end of the month. Minimum opening deposit of $50. Rates are variable and can change at any time. Account limitations: To earn the stated APYs your account must have e-Statement, Online Banking and 10 Debit Card transactions posted per month (excluding ATM transactions) and have either Direct Deposit of $750 posted in each calendar month or have 4 unique “Bill Pays” cleared in each calendar month except for the month the account is opened. Failure to meet any one of these requirements during a calendar month will cause the account to earn the default APY of 0.05% on all tiered balances and ATM fees will not be rebated. This offer can be withdrawn at any time.
 

Business Checking

Product Balance APY*
Premier Business Checking Account $0.01 - $24,999.99
$25,000.00 - $99,999.99
$100,000.00 - $249,999.99
>= $250,000.00
0.05%
0.10%
0.30%
0.50%
Non-Profit 501 (c) Checking 1 $0.01 - $24,999.99
$25,000.00 - $99,999.99
$100,000.00 - $249,999.99
>= $250,000.00
0.05%
0.30%
0.50%
0.50%

* APY = Annual Percentage Yield. APY accurate as of last dividend declaration date. Fees could reduce earnings on an account. Substantial penalties for early withdrawal from share and IRA certificates, which can reduce the earnings on the account. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. Must qualify for credit union membership.

1- Available to Non-Profit 501 (c) Organizations. Some restrictions may apply. See a Member Service Representative for details.

2- Available only to Gold Rewards Members; to see if you qualify for the Gold Rewards program, you may visit our website at CharterOak.org/goldrewards, call 860.446.8085 or 800.962.3237 or see a Member Service Representative for program details.

 

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