Charter Oak offers a wide variety of personal banking products & services. When you become a member, our team takes a holistic approach to your banking needs; we don’t just sell you a product or service. Our team will provide you with information, recommendations, and choices to help you build a diversified portfolio and reach your goals. Plus you’ll get clear, reliable help to guide your financial decisions.

Gold Rewards

Gold Rewards

Banking That Pays – $100 Cash! Charter Oak GOLD REWARDS members enjoy countless banking benefits, including an annual $100 cash bonus! When’s the last time your bank did that?

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Online Banking

Online Banking Services

Our busy members are always on the go. So we understand there are times when you just can’t come in to see us. That’s why we offer easy, secure 24-hour access to your Charter Oak accounts.

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personal banking checking account

Checking

​Charter Oak checking accounts offer you convenience, flexibility and the right features to fit your busy life! We’ve got the checking account for you!

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Savings Accounts

Savings

All of our savings programs provide competitive rates, 24-hour access via Online Banking, Mobile Banking or Info-Phone and are Federally Insured by the NCUA.

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Loans

Loans

We offer a variety of mortgage, home equity and consumer loans to meet your needs. Our low rates and flexible terms on automobile loans help your money go farther, while our Platinum Visa Cards offer big benefits like great rate options, no annual fee, and Scorecard Rewards points.

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Health Savings Accounts

Health Savings Accounts

Health Savings Accounts (HSAs) were developed to help address the issue of rising health care costs. With money-saving features and special tax benefits+, these accounts are becoming increasingly popular.

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IRA

IRA’s

Whether it’s planning for retirement or those milestones in life. An IRA is a tax-advantaged account with valuable and unique benefits for your long-term goals. Contributions can be deposited into an IRA Share account, IRA Jumbo Money Market Account or an IRA Certificate.

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CD's

Share Certificates

Whether you’re looking to save money for your short-term or long-term goals. Choose a Share Certificate with the term that fits your timetable and earn some of our highest rates. A Share Certificate provides steady, guaranteed growth for your regular savings or your IRA.

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Insurance Policies

Insurance

Today, more than 15 million members rely on TruStage 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.

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Co-Op Shared Branching

Co-Op Shared Branching

Charter Oak is pleased to be part of the CO-OP Shared Branch Network. As a member of Charter Oak or another participating credit union, you can now make deposits, withdrawals, and loan transactions at thousands of locations nationwide!

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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 5.24% APR**

**APR = Annual Percentage Rate

Checking Accounts

EARN 3.00% APY* ON GO CHECKING

*APY = Annual Percentage Yield

ACCELERATOR MORTGAGE AS LOW AS 4.74%/4.80% APR**

**APR = Annual Percentage Rate

Rates effective November 28, 2022