Branch Lobbies Are Closed Until Further Notice.
Due to the increase in COVID-19 cases in our region, we’re taking the extra precaution of temporarily closing all of our branch lobbies effective Monday, November 23, 2020.
However, all Drive-Up lanes will remain open with their current business hours to serve all of your banking needs, and our Night Drop boxes and 24/7 ATMs will also be available.
- In addition, we will offer walk-up availability for members at our Willimantic Branch during regular business hours.
- Appointments will be available for all transactions that cannot be completed at our Drive-Up lanes, such as safe deposit box access. You will be asked to answer health-screening questions prior to entry.
- To request an appointment, please call our Contact Center at 860.446.8085.
We have strived to keep our branch lobbies open as long as possible during this ongoing health crisis, but we believe that closing our branch lobbies, effective Monday, November 23rd, until further notice is the right move at this time to ensure that all Charter Oak members continue to bank safely. Throughout this pandemic we have remained fully operational for your banking needs, and the health and safety of our members and employees remain our top priority.
BRANCH and HEADQUARTERS
1055 Hartford Turnpike, Waterford, CT 06385

Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon-Th 9 AM – 5 PM
Fri 9 AM – 6 PM
Sat 9 AM – 12 noon
Drive-Up Hours
Mon-Wed 8 AM – 5 PM
Th-Fri 8 AM – 6 PM
Sat 9 AM – 1 PM
24-hour Drive-Up ATM
24-hour Walk-Up ATM
Contact Center Hours
Mon-Wed 8 AM – 5 PM
Th-Fri 8 AM – 6 PM
Sat 9 AM – 1 PM

Dayville
589 Hartford Pike, Dayville, CT 06241
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon-Th 9 AM – 5 PM,
Fri 9 AM – 6 PM,
Sat 9 AM – 12 noon
Drive-Up Hours
Mon-Wed 8 AM – 5 PM,
Th-Fri 8 AM – 6 PM,
Sat 9 AM – 1 PM
24-hour Drive-Up ATM,
24 hour Walk-Up ATM

Dayville, Killingly High School
226 Putnam Pike, Dayville, CT 06241
Lobby Hours
LOBBY TEMPORARILY CLOSED
LIMITED ACCESS
Mon & Thur
10:45 AM – 1:00 PM,
1:30 PM – 2:45 PM
Walk-Up ATM

Electric Boat
50 Pequot Avenue, New London, CT 06320
Lobby Hours
WALK-UP SERVICE AVAILABLE
LIMITED ACCESS
Mon / Wed / Fri
8:30 AM – 4:30 PM
Walk-Up ATM

Groton
32 Chicago Avenue, Groton, CT 06340
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon – Fri 9 AM – 5:00 PM
Drive-Up Hours
Mon – Fri 9 AM – 5:00 PM
Two 24-hour Walk-Up ATMs

Groton
625 Long Hill Road, Groton, CT 06340
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon – Th 9 AM – 5 PM,
Fri 9 AM – 6 PM,
Sat 9 AM – 12 noon
Drive-Up Hours
Mon – Wed 8 AM – 5 PM,
Th-Fri 8 AM – 6 PM,
Sat 9 AM – 1 PM
Two 24-hour Walk-Up ATMs

Groton, Fitch High School
101 Groton Long Point Road, Groton, CT 06340
Lobby Hours
LOBBY TEMPORARILY CLOSED
LIMITED ACCESS
Alternating Weeks…
Mon & Wed or Mon & Thur
10:30 AM – 1:30 PM
Walk-Up ATM

Montville
601 Norwich / New London Turnpike (Rt. 32), Montville, CT 06353
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon – Fri 9 AM – 5 PM
Drive-Up Hours
Mon – Th 8 AM – 5 PM,
Fri 8 AM – 6 PM,
Sat 9 AM – 12 noon
24-hour Walk-Up ATM

Mystic
4 Hendel Drive, Mystic, CT 06355
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon – Fri 9 AM – 5 PM
Drive-Up Hours
Mon – Th 8 AM – 5 PM
Fri 8 AM – 6 PM
Sat 9 AM – 1 PM
24-hour Drive-Up ATM,
24-hour Walk-Up ATM

Niantic
335 Main Street, Niantic, CT 06357
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon – Fri 9 AM – 5 PM
Drive-Up Hours
Mon – Th 8 AM – 5 PM,
Fri 8 AM – 6 PM,
Sat 9 AM – 12 noon
24-hour Drive-Up ATM,
24-hour Walk-Up ATM

Norwich
1 Connecticut Avenue, Norwich, CT, USA
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon – Fri 9 AM – 5 PM
Sat 9 AM – 12 noon
Drive-Up Hours
Mon – Th 8AM – 5PM,
Fri 8 AM – 6 PM,
Sat 9 AM – 1 PM
24-hour Drive-Up ATM,
24-hour Walk-Up ATM

Pawcatuck
20 Liberty Street, Pawcatuck, CT 06379
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon – Fri 9 AM – 5 PM
Drive-Up Hours
Mon – Th 8 AM – 5 PM,
Fri 8 AM – 6 PM,
Sat 9 AM – 12 noon
24-hour Drive-Up ATM,
24-hour Walk-Up ATM

Putnam
7 Providence Pike, Putnam, CT 06260
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon – Fri 9 AM – 5 PM
Drive-Up Hours
Mon – Th 8 AM – 5 PM,
Fri 8 AM – 6 PM,
Sat 9 AM – 12 noon
24-hour Drive-Up ATM

Uncasville, Mohegan Sun
1 Mohegan Sun Boulevard, Uncasville, CT 06382
Lobby Hours
LIMITED ACCESS
BRANCH CURRENTLY CLOSED
Mon-Thurs 8 AM – 5 PM
Fri 8 AM – 6 PM
Sat 9 AM-12 noon
Eagleview Employee Center
24-Hour Walk-Up ATM, Which Accepts Cash Deposits
LIMITED ACCESS
- Community and Government Center, 13 Crow Hill Road, Uncasville
- ATM available during business hours
- Traders Trail, Walk-Up ATM

Waterford
3 Boston Post Road, Waterford, CT 06385
Lobby Hours
LOBBY TEMPORARILY CLOSED
Mon-Th 9 AM – 5 PM,
Fri 9 AM – 6 PM,
Sat 9 AM – 12 noon
Drive-Up Hours
Mon – Wed 8 AM – 5 PM,
Th-Fri 8 AM – 6 PM,
Sat 9 AM – 1 PM
Two 24-hour Walk-Up ATMs,
Two 24-hour Drive-Up ATMs

Willimantic
893 Main Street, Willimantic, CT 06226
Lobby Hours
WALK-UP SERVICE AVAILABLE
Mon – Fri 9 AM – 5:00 PM
Drive-Up Hours
No drive-up
24-hour Walk-Up ATM
PLEASE NOTE:
Our branch will remain open during the construction of a new parking garage on the corner of Walnut St. and Meadow St.
Parking may be limited.
Please take advantage of our online services, 24-hour night drop, and self-service ATM. Thank you!