Refinance today, rates as low as 3.24%/3.30% APR*!

Thinking of refinancing a mortgage from another lender? Our Accelerator Mortgage* program makes the process quick and easy with shorter terms for those who want to pay their mortgage off quickly with our great low rates. This mortgage is especially attractive for someone planning for retirement.

  • No flood certification fee!
  • No document preparation fees!
  • No credit report fee!
  • No recording fees!
  • No appraisal fees!**
  • No title insurance fee!**
  • $25 Rebate for new loans with automatic payment from a Charter Oak Checking or Savings Account.
APPLY NOW!

*Annual Percentage Rate (APR). All rates subject to change daily. Eligible properties include refinances of 1-4 family owner occupied detached dwellings and condominiums in FHLMC approved projects located in Connecticut and Rhode Island only. Not available for refinancing of existing Accelerator Mortgage loans. Minimum loan amount of $25,000 and a maximum loan amount of $3,000,000. Maximum loan-to-value cannot exceed 80% of the property value. An 8-year fixed rate $200,000 loan with an interest rate of 3.24% is repayable in 96 monthly payments of $2,367.78 (principal and interest only, taxes and insurance may increase actual payments). A 12-year fixed rate $200,000 loan with an interest rate of 3.49% is repayable in 144 monthly payments of $1,701.95 (principal and interest only, taxes and insurance may increase actual payments). **Some fees apply for loans greater than $250,000. Loans over $500,000 are subject to a 0.25% increase above the published rate. An origination fee of $475 is required at closing. Charter Oak Federal Credit Union requires escrows for property taxes and if applicable, flood insurance. Borrower is responsible for homeowners insurance and pre-paid interest.

Free Pre-Approvals

Charter Oak offers free pre-approvals online, so you can shop for your home with confidence. Having the advantage of knowing your purchasing power gives you an advantage with the real estate professionals and sellers alike. Get pre-approved today!

get pre-approved

HELPFUL MORTGAGE RESOURCES

Meet Our Mortgage Specialists
LEARN MORE
LEARN MORE
Mortgage Rates
VIEW RATES

ENJOY THESE GREAT OFFERS

Savings Accounts

EARN 1.50% APY* ON OUR HSA ACCOUNT

*APY = Annual Percentage Yield

Auto Loans

AUTO LOAN RATES AS LOW AS 3.24% APR**

**APR = Annual Percentage Rate

Checking Accounts

EARN 3.00% APY* ON GO CHECKING

*APY = Annual Percentage Yield

ACCELERATOR MORTGAGE AS LOW AS 3.24%/3.30% APR**

**APR = Annual Percentage Rate

Rates effective June 27, 2022