Save Smarter with Our Personal Savings Accounts

Applying online is simple and quick.

Trusted for over 80 years, our holistic approach to personal savings accounts offer members a smarter and faster way to save. We keep banking simple so our members can bank anywhere, anytime and from any device. Opening your savings account online is simple!

personal savings accounts

Rates Effective April 20th, 2024

Regular Savings

Our Regular Share Account establishes your Charter Oak membership and provides a solid foundation for your financial portfolio. This simple, flexible account allows unlimited deposits and withdrawals.

Balance APY*
> $0 0.05%

Bright Future Savings

Enjoy the great benefits of our savings account* for ages 14 to 28! Bright Future accounts earn a higher yield to help turn your small change into big savings!

Balance APY*
> $0.01-$2,000 3.00%
> $2,000 0.25%

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.

Balance APY*
> $0 0.05%

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.

Balance APY*
> $0 0.05%

+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 This offer can be withdrawn at any time.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.