CHARTER OAK’S AUTO CENTER

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
2020 & Newer1.99% APR*
2018 – 20191.99% APR
2015 – 20171.99% APR
2012 – 20143.74% APR
20114.74% APR

*APR=Annual Percentage Rate. APR effective March 5, 2021. **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.

DEALER NAMEDEALER ADDRESSPHONEWEBSITE
Antonino AcuraRoute 184, 340 Gold Star Hwy, Groton, CT 06340860.448.1299www.antoninoacura.com
Brustolon Buick-GMC47 Stonington Westerly Rd, Mystic, CT 06355860.536.2626www.brustolon.com
Capitol Chrysler Dodge Jeep Ram
1520 W. Main St, Willimantic, CT 06226860.423.4516www.capitolcdj.com
Cardinal Honda
531 Route 12, Groton, CT 06340860.449.0411www.cardinalhonda.com
Cargill Chevrolet23 Livery St, Putnam, CT 06260860.928.6591www.cargillchev.com
Central Ford98 Lathrop Rd, Plainfield, CT 06374860.564.4014www.centralfordplainfieldct.com
Central Hyundai98 Lathrop Rd, Plainfield, CT 06374860.564.4014www.centralhyundaict.com
Central Mazda98 Lathrop Rd, Plainfield, CT 06374860.564.4014www.centralmazdact.com
Central Volkswagen98 Lathrop Rd, Plainfield, CT 06374860.564.4014www.centralvwct.com
Charles Toyota-Scion500 West Thames St, Norwich, CT 06360860.889.8375www.charlestoyota.com
Columbia Ford234 Willimantic Rd, Columbia, CT 06237860.228.2886www.columbiaford.com
European Motorcars1158 Newfield Street, Middletown, CT 06457860.632.2355www.european-motorcars.com
Falvey’s Motors395 West Thames St, Norwich, CT 06360860.889.3371www.falveys.com
Gates GMC-Buick-Nissan143 Boston Post Rd, North Windham, CT 06256860.456.0055www.gatesgmcnissan.com
Girard Ford450 West Thames St, Norwich, CT 06360860.889.2601www.girardford.com
Girard Nissan425 Gold Star Highway, Groton, CT 06340860.448.0050www.girardnissan.com
Girard Toyota BMW of New London543 Coleman St, New London, CT 06320860.447.3141www.girardtoyota.com
Grossman Chevrolet Nissan300 Middlesex Turnpike, Old Saybrook, CT 06475860.388.5785www.grossmanautos.com
Holmgren Subaru3 New Park Ave, Franklin, CT 06254860.889.2651www.holmgrensubaru.com
Longmeadow Automotive92 Gary School Rd, Pomfret Center, CT 06259860.928.5363www.longmeadowauto.com
M.J. Sullivan Automotive Corner452 Broad Street, New London, CT 06320860.443.8432www.mjsullivanauto.com
Monaco Ford of Niantic218 Flanders Road, Niantic, CT 06357860.739.5403www.monacoford.com
Nissan of Norwich891 West Thames St, Norwich, CT 06360860.892.6000www.nissanofnorwich.com
Old Saybrook Chrysler, Dodge, Jeep, Ram255 Middlesex Turnpike, Old Saybrook, CT 06475860.388.4445www.oldsaybrookcdj.com
Old Saybrook Hyundai235 Middlesex Turnpike, Old Saybrook, CT 06475860.577.6030www.myoldsaybrookhyundai.com
Putnam Chrysler Dodge Jeep157 Providence Pike, Putnam, CT 06260860.963.2277www.putnamchrysler.com
Putnam Ford3 Park Road, Putnam, CT 06260860.928.2731www.putnam-ford.com
Reynolds Subaru268 Hamburg Rd., Lyme, CT 06371860.434.0028www.reynoldssubaru.com
Saybrook Auto Barn342 Middlesex Turnpike, Old Saybrook, CT 06475860.388.2886www.saybrookautobarn.com
Scranton Chevrolet of Norwich774 W Thames St, Norwich, CT 06360888.232.1431www.scrantonchevy.com
Secor’s Auto Center545-575 Broad Street, New London, CT 06320860.442.3232www.secorauto.com
Secor Domestics407-409 Broad Street, New London, CT 06320860.443.8335www.secorauto.com
Secor Subaru Inc.501 Broad Street, New London, CT 06320860.442.2323www.secorauto.com
TJ Motors308 Broad St, New London, CT 06320860.443.6301www.tjmotors.com
Toyota of Colchester100 Old Hartford Rd, Colchester, CT 06415860.537.2468www.toyotaofcolchester.com
Troiano Chrysler Jeep Dodge435 S Main St., Colchester, CT 06415860.537.2331www.troianochryslerjeepdodge.com
Vachon Chevrolet512 Providence Rd., Brooklyn, CT 06234860.774.1100www.checkvachonchevy.com
Vachon Ford455 Providence Rd., Brooklyn, CT 06234860.774.3673www.vachonford.com
Vachon GMC Cadillac139 Pomfret St., Putnam, CT 06260860.928.6572www.checkvachongmc.com/
Bob Valenti Chevrolet72 Jerry Browne Rd., Mystic, CT 06355860.536.4931www.valentichevy.com
Valenti Chrysler Dodge Jeep72 Jerry Browne Rd., Mystic, CT 06355860.536.4931www.valentichryslerdodgejeep.com
Valenti Ford 72 Jerry Browne Rd., Mystic, CT 06355860.536.4931www.valentiford.com
Westbrook Toyota80 Flat Rock Place, Westbrook, CT 06498860.388.6991www.westbrooktoyota.com
Whaling City Auto Group475 Broad Street, New London, CT 06320860.443.8361www.mywhalingcity.com
Wile Hyundai21 Route 66 East, Columbia, CT 06237860.228.2300www.wilehyundai.com

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.

MAH-0213-40ED

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 1.99% APR**

**APR = Annual Percentage Rate

Checking Accounts

EARN 3.00% APY* ON GO CHECKING

*APY = Annual Percentage Yield

ACCELERATOR MORTGAGE AS LOW AS 1.99%/2.05% APR**

**APR = Annual Percentage Rate

Rates effective December 6, 2021