Charter Oak Federal Credit Union Rates and Review January 2026
Compare Charter Oak Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Charter Oak Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityCharter 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 CD rates or 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. Overall, Charter Oak Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Charter Oak Federal Credit Union Waterford Headquarters 1055 Hartford Tpke Waterford, CT 06385 4005  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVISA® Gold
11.960%
Visa Platinum Card
9.500%
No annual fee; Earn Rewards
Visa Platinum Credit Card
8.500%
As low as 8.50%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loan
9.990% - 16.240%
$0
61 - 66
Signature (Unsecured) Loan
11.040%
$0
1 - 24
Personal Loan
9.200% - 17.950%
$0 - $15,000
60 - 60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Charter Oak Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Charter Oak Federal Credit Union
Website: https://www.charteroak.org
Full Time Employees: 193Part Time Employees: 10 President: Guy Henry CEO: Brian Orenstein Branch Locations: 15 ATM Locations: 15 Corporate Office Address:
1055 Hartford Tpke
Waterford, CT 06385 4005 Phone Number: 860-446-8085 Fax Number: 860-446-3214 FinancialsTotal Assets:
1,638,907,920
Total Amount of Shares and Deposits:
1,433,163,739
Total Shares and Deposits < 1 Year:
1,318,548,046
Total Shares and Deposits 1 3 Years:
112,559,148
Total Shares and Deposits > 3 Years:
2,056,545
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
94,407,781
Total Uninsured Shares and Deposits > $250K (F+J):
95,188,982
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,337,974,757
Total Interest Expense (Sum of items 6 8):
15,083,957
Share Certificates:
8,875
Number of Accounts for Share Drafts:
59,376
IRA KEOGH Accounts:
3,491
Number of Accounts for Regular Shares:
109,894
All other shares:
8,257
Non Member Deposits:
14
Money Market Shares:
11,469
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
194,903,398
Total Liabilities:
1,483,206,678
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Charter Oak Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Charter Oak Federal Credit Union provides a range of mortgage and home equity products. Is Charter Oak Federal Credit Union a safe place to deposit money?Yes, Charter Oak Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Charter Oak Federal Credit Union offer online and mobile banking?Most modern institutions like Charter Oak Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.02%, 6-month CD rates at 0.15% and 3-month CD rates at 0.30%. Savings rates are at 0.05% and money market rates are at 1.77%. Mortgage rates on 30-year fixed loans are around 6.06%. Credit Card rates are at 19.74%. Personal Loan rates are at 12.50%. All these rates, and more, can be found in our database of rates which you can compare to 
