Charter Oak Credit Union
Verified rate book
Current Charter Oak Credit Union rates
24 published offers verified as of August 4, 2026.
Mortgage rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 15-Year Fixed15 year fixed | 7.120% APR | 7.000% | — | Standard |
| 15 Year Fixed Balloon15 year fixed | 7.334% APR | 7.250% | — | Standard |
| 10/1 ARM10 1 arm | 6.206% APR | 5.750% | — | Standard |
| 7/1 ARM7 1 arm | 6.367% APR | 5.750% | — | Standard |
| 5/1 ARM5 1 arm | 6.402% APR | 5.500% | — | Standard |
| 3/1 ARM3 1 arm | 6.560% APR | 5.375% | — | Standard |
| 1/1 ARMarm | 6.795% APR | 5.250% | — | Standard |
| 10-Year Fixed10 year fixed | 6.917% APR | 6.750% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.250% APR | 6.250% | — | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 12-Month Unsecured Personal Loanpersonal_unsecured_12mo | 7.750% APR | 7.750% | 12 mo | Standard |
| 24-Month Unsecured Personal Loanpersonal_unsecured_24mo | 8.050% APR | 8.050% | 24 mo | Standard |
| 36-Month Unsecured Personal Loanpersonal_unsecured_36mo | 8.300% APR | 8.300% | 36 mo | Standard |
| 48-Month Unsecured Personal Loanpersonal_unsecured_48mo | 8.500% APR | 8.500% | 48 mo | Standard |
| 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 8.750% APR | 8.750% | 60 mo | Standard |
Savings & CD rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Bright Future Savingssavings | 3.00% APY | 3.00% | — | Standard |
| 96-Month Certificatecd_96mo | 5.33% APY | 5.25% | 96 mo | Standard |
| 12 Yearsavings | 5.55% APY | 5.50% | — | Standard |
| 15 Yearsavings | 5.62% APY | 5.50% | — | Standard |
| 120-Month Certificatecd_120mo | 5.66% APY | 5.50% | 120 mo | Standard |
| 60-Month Certificatecd_60mo | 5.88% APY | 5.88% | 60 mo | Standard |
Other rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| **Some fees apply for loans greater than $250,000 (2020 – 2022)other | 4.990% % | 4.990% | — | Standard |
| **Some fees apply for loans greater than $250,000 (2025 & Newer)other | 4.990% % | 4.990% | — | Standard |
| **Some fees apply for loans greater than $250,000 (2023 – 2024)other | 4.990% % | 4.990% | — | Standard |
| **Some fees apply for loans greater than $250,000 (2017 – 2019)other | 6.740% % | 6.740% | — | Standard |
As of August 4, 2026, Charter Oak Credit Union offers a 15-year fixed mortgage at 7.12% APR. HELOC rates from 6.25% APR. Personal loan rates from 7.75% APR. Savings and certificate yields up to 5.88% APY.
Source: RateAPI.dev, verified from Charter Oak Credit Union's official website
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About Charter Oak Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 86.2K
- Assets
- $1.7B
- Founded
- 1939
- Locations reported
- 15
- NCUA charter
- 3413
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Charter Oak Credit Union
Membership eligibility from Charter Oak Credit Union's own published criteria. How we verify this.
Community charter: live/work in New London, Windham
- LocationNew London, Windham
Cost to join: About $0.01.
Verified from Charter Oak Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Charter Oak Credit Union?
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Frequently Asked Questions
What rates does Charter Oak Credit Union offer?
Charter Oak Credit Union currently offers mortgage, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Charter Oak Credit Union rates updated?
RateAPI verifies Charter Oak Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Charter Oak Credit Union's rate data?
Rate data is collected directly from Charter Oak Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Charter Oak Credit Union's mortgage rate?
As of August 4, 2026, Charter Oak Credit Union offers a 15-year fixed mortgage at 7.12% APR.
What is Charter Oak Credit Union's HELOC rate?
As of August 4, 2026, Charter Oak Credit Union offers home equity lines of credit from 6.25% APR.
What is Charter Oak Credit Union's personal loan rate?
As of August 4, 2026, Charter Oak Credit Union offers personal loans from 7.75% APR.
What is Charter Oak Credit Union's best CD rate?
As of August 4, 2026, Charter Oak Credit Union offers savings and certificate (CD) yields up to 5.88% APY.
Related Rate Data
Compare Charter Oak Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Charter Oak Credit Union
curl "https://api.rateapi.dev/credit-unions/connecticut/charter-oak" \
-H "Authorization: Bearer YOUR_API_KEY"