Personal Savings Accounts
Savings Options for Every Age and Stage
For over 85 years, we’ve been committed to offering personalized guidance and flexible personal savings account solutions that fit your life. At Charter Oak, we don’t just open accounts—we help open possibilities. Build stability, prepare for life’s milestones, and reach your financial goals with savings accounts that provide security, competitive earnings, and easy access. From emergency funds to long-term planning, we’re here to help you thrive.
We're a trusted partner, offering a holistic approach that helps our members build brighter financial futures. We believe that saving isn’t one-size-fits-all—it’s personal. That’s why we take a holistic approach to supporting your financial well-being at every stage of life.
Simple, Stress-Free Application
Opening a savings account should be easy—and with us, it is. Our simple online application allows you to get started in just minutes, right from your phone, tablet, or computer. No hassle, no waiting—just straightforward access to the financial tools you need.
Your Goals. Your Journey. Our Support.
All accounts come with our digital suite. Learn More >
Bright Future Savings
Designed for Ages 14–28 | High-Yield Savings for a Strong Start
Build smart money habits and watch your savings grow with our Bright Future¹ Savings Account, created specifically to support teens and young adults as they take their first steps toward financial independence. With a premium rate and flexible advantages, this account is the perfect way to kick-start a lifetime of healthy saving.
With the Bright Future Savings Account, saving is simple, rewarding, and designed to support your goals at every step. Start building your bright financial future today.
Account Features:
- Grow your balance faster with everyday savings
- Earn 3.00% APY* on balances from $0.01–$2,000
- Earn 0.25% APY* on any balance over $2,000
Regular Savings
Our Regular Share Account earns .05% on any balance over 0 and establishes your Charter Oak membership and provides a solid foundation for your financial portfolio. This simple, flexible account allows unlimited deposits and withdrawals.
Holiday Club
Want to save for a special purpose such as holiday shopping? A Club Account lets you work towards your goal gradually. We can set up automatic transfers to make the process easier.
Vacation Club
Want to save for a special purpose such as a special vacation? A Club Account lets you work towards your goal gradually. We can set up automatic transfers to make the process easier.
* APY = Annual Percentage Yield
1. The Bright Future Savings Account is a “Split Rate Tiered” account. The account is a variable rate account and rates can change at any time. This account may only be opened by members between the ages of 14-28. After reaching the age of 29, account will remain open at the discretion of the account holder. This offer can be withdrawn at any time. No minimum to open. Limit of one Bright Future Account per Social Security number.
Rates Effective December 2nd, 2025