WHY MEMBERS BANK BETTER

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At Charter Oak Federal Credit Union, our members DO bank better!

That’s because we return our profits to our members through lower loan rates, lower fees and better savings rates!

That means you’ll get higher earnings on your savings and checking accounts, and lower-cost mortgage, car, business and personal loans.

When you join Charter Oak, you’re not just a member of the largest credit union in eastern Connecticut – you’re part of a member-owned institution that can meet all your financial needs, from banking to investments to insurance – and more!


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Gold Rewards

Our premier member-appreciation program offers great benefits, like an Annual $100 Cash Bonus, no ATM fees (some limitations apply), great Gold Rates, and so much more!

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Full Financial Services

At Charter Oak, we make money management easy! We offer checking, savings, Visa® cards, consumer loans, mortgages & more!

CheckingSavingseBanking consumer Loans Mortgage & home
equity loans


Investments & Insurance

Whatever your needs, from saving for retirement to protecting your home, Charter Oak has the right products and services!

Charter Oak Retirement and Investment ServicesInsurance Products & Services


Better Rates, Better Service

Because we’re owned by our members, and not by stockholders, we offer lower rates on loans and pay higher rates on our deposits. Check out our rates to see the Charter Oak difference!

Deposit rates Loan Rates Mortgage Rates Visa Card Rates


Better Business Banking

Make Charter Oak your business banking partner! We offer checking, deposit accounts, lending, and convenience services tailored to your business.

Business Checking Business LendingeBanking


Big Savings & Discounts

Your Charter Oak membership gives you exclusive access to special discounts and great offers from our partners like Sprint, TurboTax and GM!

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Branches Nationwide

With CO-OP Shared Branching, you can benefit from a nationwide network of credit union branches – perfect for when you travel and need access to your Charter Oak accounts!

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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