LOANS

Effective March 20, 2017. All rates subject to change daily.

Vehicle Loans

Pick out the car of your dreams and get convenient, low cost Charter Oak financing. Check out our current rates below. To apply, click on the link below, call us or visit any Charter Oak branch.

  • 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.
  • Car lease running out? We offer off-lease financing, with great rates and great terms!
New and Used Car Loans  
Model Year ** Rates as low as
2016 - 2018 2.39% APR*
2014 - 2015 3.14% APR
2011 - 2013 4.14% APR
2008 - 2010 5.14% APR
2007 6.14% APR

*APR = Annual Percentage Rate

**Your rate may vary depending on:

  • Your credit history

  • Year of vehicle

  • Term of loan

The lowest APR assumes that your vehicle meets our underwriting guidelines and you have an excellent credit history. For more information or to apply, please call 860.446.8085 or 800.962.3237 or apply for an auto loan online.

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)

Apply Now

AutoSMART Center - Click here to learn more


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 75 years we've helped thousands of people with loans. We're here to serve you, too.

  • Low, fixed rates!

  • Convenient terms from 1 to 60 months!

  • $25 Rebate for new loans with automatic payment from a Charter Oak account.

Unsecured Loans Annual Percentage Rate
Rates as low as 9.74% APR*
Share Secured Loans 2% above dividend rate
Share Certificate 2% above issued dividend rate

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

For more information or to apply, please call 860.446.8085 or 800.962.3237.


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 $7,500. It can be activated from across town or across the country easily via our Call Center, Info-Phone, online, an ATM, or simply by writing a check. For more information or to apply, please call 860.446.8085 or 800.962.3237.

Rates as low as Prime + 4% = 7.75% APR*

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

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

 

WE'RE GIVING AWAY

 

$90,000

 

IN
COLLEGE
SCHOLARSHIPS

 

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AUTO LOAN RATES
AS LOW AS

 

 

2.39%apr**

 

 

CONVENIENT, LOW COST

AUTO LOANS!

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** APR = Annual Percentage Rate