Interest Rate Center
Rates Effective April 21st, 2025
Quicklinks
Home Lending
| Accelerator Mortgage | Interest Rate | APR* | Points | Cost Per $1000 | |
|---|---|---|---|---|---|
| 8 Year | 5.500% | 5.578% | 0 | 12.90 | |
| 12 Year | 5.750% | 5.805% | 0 | 9.63 | |
| Cost Saver Mortgage | Interest Rate | APR* | Points | Cost Per $1000 | |
| 15 Year | 6.500% | 6.546% | 0 | 8.71 | |
| 30 Year | 8.250% | 8.281% | 0 | 7.51 | |
| Home Equity Loans | Interest Rate | APR* | Points | Cost Per $1000 | |
| 5 Year | 6.125% | 6.127% | 0 | 19.39 | |
| 10 Year | 6.375% | 6.376% | 0 | 11.29 | |
| 15 Year | 6.500% | 6.501% | 0 | 8.71 | |
| Line of Credit (HELOC) | 7.250% | 7.250% | 0 | ||
| Fixed Rate Mortgage | Interest Rate | APR* | Points | Cost Per $1000 | |
| 10 Year | 5.750% | 5.914% | 0 | 10.98 | |
| 15 Year | 5.750% | 5.866% | 0 | 8.30 | |
| 20 Year | 6.875% | 6.971% | 0 | 7.68 | |
| 30 Year | 7.000% | 7.074% | 0 | 6.65 | |
| Adjustable Rate Mortgages | Interest Rate | APR* | Points | Cost Per $1000 | |
| 1/1 ARM | 5.500% | 6.705% | 0 | 5.68 | |
| 3/1 ARM | 5.625% | 6.532% | 0 | 5.76 | |
| 5/1 ARM | 5.750% | 6.425% | 0 | 5.84 | |
| 7/1 ARM | 6.000% | 6.434% | 0 | 6.00 | |
| 10/1 ARM | 6.250% | 6.490% | 0 | 6.16 | |
| Non-Owner Occupied | Interest Rate | APR* | Points | Cost Per $1000 | |
| 10 Year Fixed | 7.000% | 7.168% | 0 | 11.61 | |
| 15 Year Fixed | 7.250% | 7.371% | 0 | 9.13 | |
| 15 Year Fixed Balloon | 7.500% | 7.585% | 0 | 7.39 | |
*APR = Annual Percentage Rate which is based on a $200,000 loan amount
All rates listed are subject to change without notice
Homeowners Insurance is required
A non-refundable origination fee of $475 is required
Charter Oak requires escrow for taxes and if applicable, flood insurance
New & Used Auto Loans
- 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!
| Model Year | Rates As Low As¹ |
|---|---|
| 2024 & Newer | 5.99% APR* |
| 2022 – 2023 | 5.99% APR |
| 2019 – 2021 | 5.99% APR |
| 2016 – 2018 | 7.74% APR |
| 2015 | 8.74% APR |
*APR=Annual Percentage Rate.
1. Your rate may vary depending on:
- Your credit history
- Year of vehicle
- Term of loan
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)
30 Month Share Certificate Special²
- Earn 4.00% APY*
- $1000 Minimum Balance³
*APY = Annual Percentage Yield
1. Offer is available for funds in existing shares. Not available with IRA.
2. Offer is available for funds in existing shares. Available with IRA.
3. Minimum balance to open is $1,000.00. The stated APY assumes that the dividends will remain on deposit until maturity. Rate is subject to change at any time. A penalty for early withdrawal may apply. This offer can be withdrawn at any time.
30 Month IRA Special
- Earn 4.00% APY*
- Minimum Balance $1000¹
*APY = Annual Percentage Yield.
1. Minimum balance to open is $1,000.00. The stated APY assumes that the dividends will remain on deposit until maturity. Rate is subject to change at any time. Available on IRA accounts. A penalty for early withdrawal may apply. This offer can be withdrawn at any time.
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.
| Rates as low as: |
|---|
| 11.50% APR* |
* APR = Annual Percentage Rate. Your rate may vary, depending on your credit history and whether you qualify as a “Gold Rewards” member.
Personal Loan Options
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.
| 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 | Rates as low as: |
| Share Secured Loans | 2% above dividend rate |
| Share Certificate | 2% above issued dividend rate |