Effective June 5, 2023
All rates subject to change daily.
Vehicle Loans
Pick out the car of your dreams and get convenient, low-cost Charter Oak financing. Check out our current rates below. To apply, click on the link below, call us or visit any Charter Oak branch.
- Convenient terms to fit your budget!
- Guaranteed Asset Protection Insurance (GAP) Available!
- $25 Rebate for new loans with automatic payment from a Charter Oak account.
- Car lease running out? We offer off-lease financing, with great rates and great terms!
Auto Loan Rates
New and Used Car Loans |
|
|---|---|
| Model Year | ** Rates As Low As |
| 2022 & Newer | 5.74% APR* |
| 2020 – 2021 | 5.74% APR |
| 2017 – 2019 | 5.74% APR |
| 2014 – 2016 | 7.49% APR |
| 2013 | 8.49% APR |
*APR=Annual Percentage Rate. APR effective May 15, 2023. **Your rate may vary depending on your credit history, year of vehicle, and term of loan. The lowest APR assumes that your vehicle meets our underwriting guidelines and you have an excellent credit history.
**Your rate may vary depending on:
- Your credit history
- Year of vehicle
- Term of loan
The lowest APR assumes that your vehicle meets our underwriting guidelines and you have an excellent credit history. For more information or to apply, please call 860.446.8085 or 800.962.3237 or apply for an auto loan online.
Please note:
- Loan to values are based on total amount of funded loan divided by MSRP for new vehicle and NADA Retail for used vehicles.
- Maximum used vehicle mileage: 125,000
- No commercial use vehicles, max GVW 10,000 lbs
- Minimum amount financed for new or used vehicles: $5,000 (except 84 month term)
Personal Loans
It’s simple: you have wishes and dreams. Charter Oak has the money to help you see them come true. For more than 80 years we’ve helped thousands of people with loans. We’re here to serve you, too.
- Low, fixed rates!
- Convenient terms!
- $25 Rebate for new loans with automatic payment from a Charter Oak account.
Personal Loans
|
Annual Percentage Rate
|
|---|---|
| Unsecured Personal Loan | Rates as low as: |
| 12 months | 7.75% APR* |
| 24 months | 8.05% APR |
| 36 months | 8.30% APR |
| 48 months | 8.50% APR |
| 60 months | 8.75% APR |
Secured Loans
|
Annual Percentage Rate
|
|---|---|
| Share Secured Loans | 2% above dividend rate |
| Share Certificate | 2% above issued dividend rate |
* Your rate may vary, depending on your credit history and whether you qualify as a “Gold Rewards” member.
For more information or to apply, please call 860.446.8085 or 800.962.3237.
Readi-Cash Too
(Personal Line of Credit)
Imagine: a perfect loan for busy people just like you. Your perfect loan is now available. It’s called Readi-Cash Too. Now you can enjoy a truly great rate coupled with convenient access. Readi-Cash Too is an open-end credit product with limits to $5,000. It can be activated from across town or across the country easily via our Contact Center, Info-Phone, online, an ATM, or simply by writing a check. For more information or to apply, please call 860.446.8085 or 800.962.3237.
| Rates as low as | 12.25% APR* |
|---|
* APR=Annual Percentage Rate. Your rate may vary, depending on your credit history.
ENJOY THESE GREAT OFFERS
EARN 1.50% APY* ON OUR HSA ACCOUNT
*APY = Annual Percentage Yield
AUTO LOAN RATES AS LOW AS 5.74% APR**
**APR = Annual Percentage Rate
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