It’s Easy to Apply!

Apply today

Or 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 and Used Car Loans
Model Year** Rates As Low As
2021 & Newer2.74% APR*
2019 – 20202.74% APR
2016 – 20182.74% APR
2013 – 20154.49% AP99
20125.49% APR

*APR=Annual Percentage Rate. APR effective April 4, 2022. **Your rate may vary depending on your credit history, year of vehicle, and term of loan. The lowest APR assumes that your vehicle meets our underwriting guidelines and you have an excellent credit history.

  • 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!

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 today

Find a Preferred Dealer

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

Antonino AcuraRoute 184, 340 Gold Star Hwy, Groton, CT
Brustolon Buick-GMC47 Stonington Westerly Rd, Mystic, CT
Capitol Chrysler Dodge Jeep Ram
1520 W. Main St, Willimantic, CT
Cardinal Honda
531 Route 12, Groton, CT
Cargill Chevrolet23 Livery St, Putnam, CT
Central Ford98 Lathrop Rd, Plainfield, CT
Central Hyundai98 Lathrop Rd, Plainfield, CT
Central Mazda98 Lathrop Rd, Plainfield, CT
Central Volkswagen98 Lathrop Rd, Plainfield, CT
Charles Toyota-Scion500 West Thames St, Norwich, CT
Columbia Ford234 Willimantic Rd, Columbia, CT
European Motorcars1158 Newfield Street, Middletown, CT
Falvey’s Motors395 West Thames St, Norwich, CT
Gates GMC-Buick-Nissan143 Boston Post Rd, North Windham, CT
Girard Ford450 West Thames St, Norwich, CT
Girard Nissan425 Gold Star Highway, Groton, CT
Girard Toyota BMW of New London543 Coleman St, New London, CT
Grossman Chevrolet Nissan300 Middlesex Turnpike, Old Saybrook, CT
Holmgren Subaru3 New Park Ave, Franklin, CT
Longmeadow Automotive92 Gary School Rd, Pomfret Center, CT
M.J. Sullivan Automotive Corner452 Broad Street, New London, CT
Monaco Ford of Niantic218 Flanders Road, Niantic, CT
Nissan of Norwich891 West Thames St, Norwich, CT
Old Saybrook Chrysler, Dodge, Jeep, Ram255 Middlesex Turnpike, Old Saybrook, CT
Old Saybrook Hyundai235 Middlesex Turnpike, Old Saybrook, CT
Priority Automotive of Groton LLC421 Route 12, Groton, CT
Putnam Chrysler Dodge Jeep157 Providence Pike, Putnam, CT
Putnam Ford3 Park Road, Putnam, CT
Reynolds Subaru268 Hamburg Rd., Lyme, CT
Saybrook Auto Barn342 Middlesex Turnpike, Old Saybrook, CT
Scranton Chevrolet of Norwich774 W Thames St, Norwich, CT
Secor’s Auto Center545-575 Broad Street, New London, CT
Secor Domestics407-409 Broad Street, New London, CT
Secor Subaru Inc.501 Broad Street, New London, CT
TJ Motors308 Broad St, New London, CT
Toyota of Colchester100 Old Hartford Rd, Colchester, CT
Troiano Chrysler Jeep Dodge435 S Main St., Colchester, CT
Vachon Chevrolet512 Providence Rd., Brooklyn, CT
Vachon Ford455 Providence Rd., Brooklyn, CT
Vachon GMC Cadillac139 Pomfret St., Putnam, CT
Bob Valenti Chevrolet72 Jerry Browne Rd., Mystic, CT
Valenti Chrysler Dodge Jeep72 Jerry Browne Rd., Mystic, CT
Valenti Ford 72 Jerry Browne Rd., Mystic, CT
Westbrook Toyota80 Flat Rock Place, Westbrook, CT
Whaling City Auto Group475 Broad Street, New London, CT
Wile Hyundai21 Route 66 East, Columbia, CT

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?

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. Individual premiums and savings will vary.