Charter Oak has proudly served its members since 1939, offering a strong commitment to community and financial empowerment. With a mission to provide exceptional banking services to individuals and families, including military members, Charter Oak has cultivated an environment built on trust and accessibility. Under the leadership of CEO Brian Orenstein and Board President Guy Henry, the credit union is headquartered in Waterford, CT, where it continues to grow and adapt to the evolving needs of its 88,138 members.

As an NCUA-insured institution since 1/4/1971 0:00, Charter Oak ensures that your savings are protected while you take advantage of modern banking tools. Members can enjoy features such as convenient online banking, a user-friendly mobile app, P2P transfers, e-statements, mobile payments, and more. With a member-first approach, Charter Oak is dedicated to providing comprehensive financial solutions tailored to meet individual needs. For more information or assistance, feel free to reach out via fax at (860) 446-3214 or visit our official website at https://charteroak.org/ .

At Charter Oak, we pride ourselves on offering a comprehensive suite of financial services designed to cater to the diverse needs of our members. From personal banking solutions such as checking and savings accounts to auto loans and vehicle financing, our offerings are crafted to help you manage your everyday banking with ease. Whether you're looking for mortgage loans and refinancing options or personal loans for debt consolidation, our dedicated team is here to guide you through every step. Additionally, our business banking services provide essential support for small business owners, including merchant services and business loans that can help your enterprise thrive.

Emphasizing convenience and accessibility, Charter Oak provides robust digital access through our online banking platform and mobile application. With features like person-to-person transfers, mobile payments, and e-statements, managing your finances has never been easier. Although we do not offer electronic signatures at this time, our user-friendly tools ensure that you can efficiently plan for life milestones while staying connected to your finances anytime, anywhere. If you're interested in exploring membership options or determining eligibility, visit for more details. For those considering loan comparisons or rate checks, our partners at https://www.lendmesh.com/loans/vehicle_loans can assist you in finding the best rates available.

Our commitment to exceptional service extends beyond just the products we offer; it encompasses the personalized support you receive from our team. Should you have any questions or require assistance, feel free to reach out via fax at (860) 446-3214. At Charter Oak, we're not just your financial institution; we’re your trusted partner in achieving your financial goals.

Charter Oak stands as a reliable financial partner in Connecticut, backed by a strong commitment to its members and community. With a total membership of 88,138, the credit union fosters a sense of belonging and trust among its diverse clientele. The impressive total assets amounting to 1,580,380,430 signify a robust financial foundation, ensuring that members' funds are secure and accessible.

The credit union's net worth of 177,532,367 reflects its prudent management and dedication to maintaining financial stability, which is further underscored by a remarkable net worth ratio of 1,123. This metric illustrates Charter Oak's solid capital position, reinforcing the confidence that members can have in its long-term viability.

Charter Oak has cultivated an environment conducive to growth and opportunity, managing total deposits of 191,133,141 and facilitating a variety of lending options with total loans and leases reaching 22,632. This breadth of services includes auto loans, with an impressive volume of 18,016, catering to members’ vehicle financing needs while also providing commercial loans totaling 444, thereby supporting local businesses.

Employing a dedicated workforce of 192 professionals, Charter Oak exemplifies service excellence at every level, ensuring that each member receives personalized attention tailored to their unique financial goals. While the current net income stands at 0, the focus remains on building relationships rather than just profits, showcasing the credit union's commitment to its members' best interests.

In an era where transparency is paramount, Charter Oak prides itself on being accountable and responsive to member needs. Its operations are not only aligned with national standards but also reflect a deep-rooted understanding of local markets. As a testament to its credibility, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov .

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