Become a Member
Joining our community is easier than you might think.
If you live, work, go to school, worship, volunteer, or donate in New London or Windham County, you can become a member — it's that simple. When you open an account with us, we deposit a penny into your savings account... making you a member.
We believe good banking is about more than just accounts and interest rates — it's about understanding you. We take a holistic approach to banking by looking at your full financial picture, not just individual transactions. Whether you're saving for a first home, planning for retirement, building credit, or managing day-to-day expenses, we’re here to guide you every step of the way.
Our team is committed to helping you make informed decisions, offering personalized service, and delivering products that fit your life — not the other way around.
You're already part of the community. Now become part of the credit union built for it.
Become A Member Today!
Applying online is simple.
bankNgo Digital Suite
Wherever life takes you, bankNgo keeps you connected, confident, and in control—because at Charter Oak, we believe banking should move at the speed of you.
Bright Future Savings
A perfect account for ages 14-28 that earns 3.00% APY¹, pairs with our Bright Future Checking.
GO Checking
Our number one checking account earns you 3.00% APY¹ on your money.
Home Equity Loan
No need to put off those plans for the future any longer. Get low interest rates on home equity loans or a line of credit.
Adjustable Rate Mortgage
Get a low interest rate on your next home with flexible term options on our 5/1 ARM, 7/1 ARM and more.
Gold Rewards
Since we started Gold Rewards in 2010, we have paid out over $8.2 million in annual $100 cash bonuses to its qualified members.
Rates Effective November 18th, 2025
¹APY = Annual Percentage Yield | ²APR = Annual Percentage Rate