What are the current interest rates at Charter Oak Federal Credit Union?

Current rates for Charter Oak Federal Credit Union include: 12-Month CD: 0.40%, 18-Month CD: 0.50%, 24-Month CD: 0.50%, 60-Month CD: 0.50%, Savings: 3.00%, MMA: 2.50%

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Charter Oak Federal Credit Union

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Charter Oak Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Charter Oak Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Charter Oak Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its 8 Month CD Special, 3.00% APY on savings, 2.50% APY on money market accounts, 3.00% APY on checking, 5.25% on its Accelerator Mortgage - 8 Year, and personal loans from 7.75% APR, according to rates verified by MonitorBankRates. Other Charter Oak Federal Credit Union CD rates include 30 Month IRA Special at 3.50%, 30 Month CD Special at 3.50%, and Long-Term CDs - 18 Month at 0.50%. Other Charter Oak Federal Credit Union mortgage rates include Accelerator Mortgage - 12 Year at 5.50%, Fixed Rate Mortgage - 15 Year at 5.50%, and Fixed Rate Mortgage - 10 Year at 5.50%. MonitorBankRates evaluates the financial stability of Charter Oak Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.98%. Rates last updated and verified on 10/12/2026.

Charter Oak Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Charter Oak Federal Credit Union? Share your experience about Charter Oak Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Charter Oak Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.98%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Charter Oak Federal Credit Union
Waterford Headquarters

1055 Hartford Tpke
Waterford, CT 06385-4005

https://www.charteroak.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Charter Oak Federal Credit Union CD Rates

Product	Rate	APY	Term
8 Month Share Certificate Special	-	3.75%	8 Month
Min Deposit $1,000 Min Balance $1,000 Details Offer is available for funds in existing shares. Not available with IRA. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
30 Month IRA Special	-	3.50%	30 Month
Min Deposit $1,000 Min Balance $1,000 Details 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. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
30 Month Share Certificate Special	-	3.50%	30 Month
Min Deposit $1,000 Min Balance $1,000 Details Offer is available for funds in existing shares. Available with IRA. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Long-Term Share Certificates - 18 Month	-	0.50%	18 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Long-Term Share Certificates - 24 Month	-	0.50%	24 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Long-Term Share Certificates - 36 Month	-	0.50%	36 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Long-Term Share Certificates - 48 Month	-	0.50%	48 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Long-Term Share Certificates - 60 Month	-	0.50%	60 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
12 Month Short-Term Share Certificate	-	0.40%	12 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
6 Month Short-Term Share Certificate	-	0.30%	6 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
3 Month Short-Term Share Certificate	-	0.15%	3 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
30 Day Short-Term Share Certificate	-	0.05%	30 Day
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

Charter Oak Federal Credit Union Savings Rates

Product	Rate	APY
Bright Future Savings	-	3.00%
Min Balance $0 Details Earn 3.00% APY* on balances from $0.01-$2,000. Designed for Ages 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. Limit of one Bright Future Account per Social Security number. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Health Savings Account	-	1.50%
Min Balance $0 Details Balance: > $0 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Bright Future Savings	-	0.25%
Min Balance $2,000 Details Earn 0.25% APY* on any balance over $2,000. Designed for Ages 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. Limit of one Bright Future Account per Social Security number. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Regular Savings	0.05%	0.05%
Min Balance $0 Details Earn .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. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

Charter Oak Federal Credit Union Money Market Rates

Product	Rate	APY
Accumulator Money Market	-	2.50%
Min Balance $0 Details Balance: $0.01 - $2,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Accumulator Money Market	-	1.50%
Min Balance $2,000 Details Balance: $2,000.01 - $6,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Accumulator Money Market	-	0.50%
Min Balance $6,000 Details Balance: $6,000.01 - $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Jumbo Money Market	-	0.30%
Min Balance $100,000 Details Balance: >= $100,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Jumbo Money Market	-	0.20%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Jumbo Money Market	-	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Accumulator Money Market	-	0.05%
Min Balance $10,000 Details Balance: > $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Jumbo Money Market	-	0.05%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

Charter Oak Federal Credit Union Checking Rates

Product	Rate	APY
SUN Checking	-	3.00%
Min Balance $10,000 Details Balances over $10,000 earn 0.25% APY. Qualifications Required; 3.00% APY is paid on balances up to $10,000. The default APY of 0.05% will be applied to all tiered balances if account conditions are not met. All Charter Oak foreign ATM fees will be rebated. Surcharge fees charged by other financial institutions or networks will be rebated up to $9.99 each to a maximum of $20 a month and rebated at the end of the month. The one-time $150 bonus will be awarded after account has met required conditions for three consecutive months within a six month period from account opening. Must not have a record on Chex Systems. Rates are variable and can change at any time. Account limitations: To earn the stated APYs your account must have e-Statement, Online Banking and 10 Debit Card transactions posted per month (excluding ATM transactions) and have Direct Deposit of $500 posted in each calendar month or have 4 unique "Bill Pays" cleared in each calendar month except for the month the account is opened. Failure to meet any one of these requirements during a calendar month will cause the account to earn the default APY of 0.05% on all tiered balances and ATM fees will not be rebated. This offer applies to new accounts only. Existing checking accounts are not transferrable to a SUN Checking Account. Existing members may open a new SUN Checking Account under their existing account and must meet the account conditions to qualify. Only one SUN Checking Account per qualified member number. APY effective November 1, 2020. This offer may be withdrawn at any time. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
SUN Checking	-	0.25%
Min Balance $0 Details Balances over $10,000 earn 0.25% APY. Qualifications Required; 3.00% APY is paid on balances up to $10,000. The default APY of 0.05% will be applied to all tiered balances if account conditions are not met. All Charter Oak foreign ATM fees will be rebated. Surcharge fees charged by other financial institutions or networks will be rebated up to $9.99 each to a maximum of $20 a month and rebated at the end of the month. The one-time $150 bonus will be awarded after account has met required conditions for three consecutive months within a six month period from account opening. Must not have a record on Chex Systems. Rates are variable and can change at any time. Account limitations: To earn the stated APYs your account must have e-Statement, Online Banking and 10 Debit Card transactions posted per month (excluding ATM transactions) and have Direct Deposit of $500 posted in each calendar month or have 4 unique "Bill Pays" cleared in each calendar month except for the month the account is opened. Failure to meet any one of these requirements during a calendar month will cause the account to earn the default APY of 0.05% on all tiered balances and ATM fees will not be rebated. This offer applies to new accounts only. Existing checking accounts are not transferrable to a SUN Checking Account. Existing members may open a new SUN Checking Account under their existing account and must meet the account conditions to qualify. Only one SUN Checking Account per qualified member number. APY effective November 1, 2020. This offer may be withdrawn at any time. Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.00% → 0.25% ▼ 2.75 pts · high 3.00% / low 0.25% Oct 12, 20260.25%▼ from 3.00% Oct 4, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
SUN Checking	-	0.05%
Details Balances over $10,000 earn 0.25% APY. Qualifications Required; 3.00% APY is paid on balances up to $10,000. The default APY of 0.05% will be applied to all tiered balances if account conditions are not met. All Charter Oak foreign ATM fees will be rebated. Surcharge fees charged by other financial institutions or networks will be rebated up to $9.99 each to a maximum of $20 a month and rebated at the end of the month. The one-time $150 bonus will be awarded after account has met required conditions for three consecutive months within a six month period from account opening. Must not have a record on Chex Systems. Rates are variable and can change at any time. Account limitations: To earn the stated APYs your account must have e-Statement, Online Banking and 10 Debit Card transactions posted per month (excluding ATM transactions) and have Direct Deposit of $500 posted in each calendar month or have 4 unique "Bill Pays" cleared in each calendar month except for the month the account is opened. Failure to meet any one of these requirements during a calendar month will cause the account to earn the default APY of 0.05% on all tiered balances and ATM fees will not be rebated. This offer applies to new accounts only. Existing checking accounts are not transferrable to a SUN Checking Account. Existing members may open a new SUN Checking Account under their existing account and must meet the account conditions to qualify. Only one SUN Checking Account per qualified member number. APY effective November 1, 2020. This offer may be withdrawn at any time. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

Charter Oak Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Accelerator Mortgage - 8 Year	5.25%	0	5.328%	8 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.33% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Accelerator Mortgage - 12 Year	5.50%	0	5.554%	12 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.55% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Fixed Rate Mortgage - 15 Year	5.50%	0	5.615%	15 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.62% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Fixed Rate Mortgage - 10 Year	5.50%	0	5.663%	10 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.66% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Cost Saver Mortgage - 15 Year	6.25%	0	6.296%	15 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Adjustable Rate Mortgages - 10/1 ARM	5.75%	0	6.333%	10/1 ARM
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.21% → 6.33% ▲ 0.13 pts · high 6.33% / low 6.21% Oct 2, 20266.33%▲ from 6.21% Sep 16, 20266.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Adjustable Rate Mortgages - 7/1 ARM	5.625%	0	6.483%	7/1 ARM
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.31% → 6.48% ▲ 0.18 pts · high 6.48% / low 6.31% Oct 2, 20266.48%▲ from 6.31% Sep 16, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Adjustable Rate Mortgages - 5/1 ARM	5.50%	0	6.624%	5/1 ARM
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.40% → 6.62% ▲ 0.22 pts · high 6.62% / low 6.40% Oct 2, 20266.62%▲ from 6.40% Sep 16, 20266.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Adjustable Rate Mortgages - 3/1 ARM	5.375%	0	6.834%	3/1 ARM
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.56% → 6.83% ▲ 0.27 pts · high 6.83% / low 6.56% Oct 2, 20266.83%▲ from 6.56% Sep 16, 20266.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Non-Owner Occupied - 10 Year Fixed	6.75%	0	6.917%	10 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.92% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Non-Owner Occupied - 15 Year Fixed	7.00%	0	7.12%	15 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.12% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Fixed Rate Mortgage - 20 Year	7.125%	0	7.222%	20 Year
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.10% → 7.22% ▲ 0.13 pts · high 7.47% / low 7.10% Oct 12, 20267.22%▼ from 7.47% Oct 8, 20267.47%▲ from 7.35% Oct 4, 20267.35%▼ from 7.47% Oct 2, 20267.47%▲ from 7.22% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Non-Owner Occupied - 15 Year Fixed Balloon	7.25%	0	7.334%	15 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.33% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Fixed Rate Mortgage - 30 Year	7.375%	0	7.473%	30 Year
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.20% → 7.47% ▲ 0.27 pts · high 7.70% / low 7.20% Oct 12, 20267.47%▼ from 7.70% Oct 8, 20267.70%▲ from 7.58% Oct 4, 20267.58%▼ from 7.70% Oct 2, 20267.70%▲ from 7.33% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Adjustable Rate Mortgages - 1/1 ARM	7.625%	0	7.702%	1/1 ARM
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 6.80% → 7.70% ▲ 0.91 pts · high 7.70% / low 6.80% Oct 12, 20267.70%▲ from 7.13% Oct 2, 20267.13%▲ from 6.80% Sep 16, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Cost Saver Mortgage - 30 Year	8.75%	0	8.782%	30 Year
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 8.28% → 8.78% ▲ 0.50 pts · high 8.78% / low 8.28% Oct 8, 20268.78%▲ from 8.53% Sep 25, 20268.53%▲ from 8.28% Sep 16, 20268.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

Charter Oak Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - 5 Year	5.875%	0	5.877%	5 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Home Equity Loans - 10 Year	6.125%	0	6.126%	10 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.13% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Home Equity Loans - 15 Year	6.25%	0	6.251%	15 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Home Equity Line of Credit (HELOC)	6.50%	0	6.50%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 25, 20266.50%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

Charter Oak Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
2020 - 2022 Auto Loan	-	-	4.99%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
2023 - 2024 Auto Loan	-	-	4.99%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
2025 & Newer Auto Loan	-	-	4.99%
Details As Low As; 1 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
2017 - 2019 Auto Loan	-	-	6.74%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
2016 Auto Loan	-	-	7.74%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

Charter Oak Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loans	7.75%	12 months
Details As Low As; * Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Unsecured Personal Loans	8.05%	24 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Unsecured Personal Loans	8.30%	36 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Unsecured Personal Loans	8.50%	48 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Unsecured Personal Loans	8.75%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Personal Line of Credit	11.00%
Details As Low As; * Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 4, 202611.00%▲ from 10.75% Sep 16, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Charter Oak Federal Credit Union’s Texas Ratio rose from 1.39% in Q3 2023 to 1.98% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.7B	1.98%	5.0	A+
March 31, 2026	$1.7B	1.27%	5.0	A+
December 31, 2025	$1.7B	1.90%	5.0	A+
September 30, 2025	$1.6B	2.08%	5.0	A+
June 30, 2025	$1.7B	2.43%	5.0	A+
March 31, 2025	$1.7B	2.15%	5.0	A+
December 31, 2024	$1.6B	1.62%	5.0	A+
September 30, 2024	$1.6B	1.14%	5.0	A+
June 30, 2024	$1.6B	2.17%	5.0	A+
March 31, 2024	$1.6B	1.62%	5.0	A+
December 31, 2023	$1.5B	1.37%	5.0	A+
September 30, 2023	$1.5B	1.39%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Charter Oak Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Charter Oak Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Charter Oak Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Charter Oak Federal Credit Union

Website https://www.charteroak.org

Address 1055 Hartford Tpke, Waterford, CT 06385-4005

Phone 860-446-8085

Fax 860-446-3214

President Guy Henry

CEO Craig Knell

Full-Time Employees 187

Part-Time Employees 11

Branch Locations 15

ATM Locations 15

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.98%

Return on Assets (ROA)

0.7991%

Return on Equity (ROE)

6.3717%

Non-Performing Loans Ratio (NPL)

0.50%

Total Assets

1,722,536,602

Total Amount of Shares and Deposits

1,498,527,473

Total Shares and Deposits < 1 Year

1,343,580,037

Total Shares and Deposits 1 3 Years

152,959,937

Total Shares and Deposits > 3 Years

1,987,499

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

96,823,680

Total Uninsured Shares and Deposits > $250K (F+J)

97,582,385

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,400,945,088

Total Interest Expense (Sum of items 6 8)

8,882,505

Share Certificates

8,684

Number of Accounts for Share Drafts

60,255

IRA KEOGH Accounts

3,423

Number of Accounts for Regular Shares

107,640

All other shares

8,287

Non Member Deposits

Money Market Shares

11,382

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

261,589,165

Total Liabilities

1,547,274,252

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Charter Oak Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Charter Oak Federal Credit Union

How many branches does Charter Oak Federal Credit Union operate?

Charter Oak Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Charter Oak Federal Credit Union?

Yes, to access services at Charter Oak Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Charter Oak Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Charter Oak Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Charter Oak Federal Credit Union offer online and mobile banking?

Most modern institutions like Charter Oak Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.charteroak.org.

Current Charter Oak Federal Credit Union Rates

12-Month CD0.40%
18-Month CD0.50%
24-Month CD0.50%
60-Month CD0.50%
Savings3.00%
MMA2.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Charter Oak Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Charter Oak Federal Credit Union Texas Ratio

Charter Oak Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Charter Oak Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Charter Oak Federal Credit Union

How many branches does Charter Oak Federal Credit Union operate?

Is a member application needed to join Charter Oak Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Charter Oak Federal Credit Union offer online and mobile banking?

Current Charter Oak Federal Credit Union Rates

Compare to Other Credit Unions