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 offers 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!
Bank Anywhere, Anytime.
Download our app from Apple or Google store, setup your online banking account and manage your finances from any device.
Safe, Sound & Secure
Our goal is to help protect members from scams and fraudulent activity. Set up 2 factor authentication, text message alerts and biometrics access.
Bill Pay
Manage all of your bills through online banking. Bill Pay decreases fraud risks and simplifies payments securely.
Mobile Check Deposit
Deposit checks wherever you are, whenever you like, in the comfort of your own home or even on the go!
Go Paperless
Get your statements 10 days earlier with eDocuments. No more snail mail, no more paper trails.
Membership
Your savings account is your membership. All members have a basic savings account, which entitles them to all of our products and services.
Bright Future Savings
Enjoy the great benefits of our savings account¹ for ages 14 to 28! Bright Future² accounts earn a higher yield to help turn your small change into big savings!
- Earn 3.00% APY¹ on balances $0.01 - $2000
- Earn .25% APY¹ on anything over $2000
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.
1. APY = Annual Percentage Yield
2. 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 This offer can be withdrawn at any time.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 July 11th, 2025