CHARTER OAK FEDERAL CREDIT UNION

Welcome to Charter Oak, where your financial well-being is our top priority! Located at 3 Boston Post Rd, Waterford, CT 06385, we have proudly served our community since 1939. With a commitment to providing exceptional service and building lasting relationships, we've grown to support over 88,138 members and manage assets totaling an impressive $1,580,380,430. At Charter Oak, we understand the importance of having a trusted partner in your financial journey. Whether you're looking for personal banking solutions like checking and savings accounts or seeking financing options such as auto loans and mortgages, our dedicated team is here to help you navigate your choices with ease. We currently hold $191,133,141 in deposits and have issued 22,632 loans and leases to support our members' dreams and aspirations. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to 3 Boston Post Road, Waterford, CT 06385 if different from our physical location. Under the leadership of our CEO Brian Orenstein and Board President Guy Henry, we aim to maintain a welcoming environment where every member feels valued. With services available both online and through mobile banking platforms, we make it simple for you to manage your finances anytime, anywhere. Feel free to reach out via phone at 860-446-8085 or stop by during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Join us today at Charter Oak your local credit union focused on building a brighter financial future together! For more information about our offerings or to explore how we can assist you further, visit our website at charteroak.org. We look forward to serving you!

Charter Oak has a rich legacy that began in 1939, serving the community of Waterford, CT, with dedication and care. Over the years, this credit union has evolved into a trusted financial institution, currently boasting a membership of over 88,000 individuals. Located at 3 Boston Post Rd, Waterford, CT 06385, our branch is conveniently situated near local landmarks, making it easily accessible for all. From its inception, Charter Oak has focused on delivering not just financial services but also community support. Our mission is simple yet powerful: to provide our members with the tools they need to achieve their financial goals while fostering a sense of belonging and community. We understand that our members are more than just account holders; they are part of our family. Our commitment to innovation is evident as we embrace digital advancements to enhance member experience. We offer online and mobile banking options for convenient access to accounts anytime, anywhere. Additionally, our facilities are designed with ADA compliance in mind, ensuring everyone can benefit from our services. Charter Oak is proud to provide a range of services including personal banking products like checking and savings accounts, auto loans, mortgage options, and business banking solutions. With total assets exceeding $1.58 billion, we have the resources to support our members effectively. We also believe in giving back to the community through various outreach initiatives and partnerships that strengthen local ties. Our shared service center allows us to collaborate with other credit unions, providing even more access points for our members. For those who prefer visiting us in person, our operating hours are accommodating: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. We offer both drive-thru banking and ATM services for added convenience. If you're looking for a place that values your financial well-being as much as you do, consider joining Charter Oak. Experience firsthand how we can help you navigate your financial journey with personalized service and unwavering support. For more information or assistance, feel free to contact us at 860-446-8085 or visit our website at charteroak.org. Join us today and be part of something greater!

Becoming a member of Charter Oak is like joining a welcoming family where your financial needs are prioritized. If you live, work, worship, or attend school in the area around 3 Boston Post Rd Waterford Ct 06385, you're already eligible to join us! It's that simple! We believe that everyone deserves access to quality financial services, and our community-focused approach means you can expect personalized support tailored just for you. For those looking for more details on eligibility criteria, we encourage you to visit our website at . Joining is easy and opens the door to a range of benefits including competitive rates on loans and savings accounts, as well as access to online banking tools that fit your lifestyle. Ready to take the next step? You can find all the information you need about opening an account by calling us at (860) 446-8085 or visiting our website. We look forward to welcoming you into the Charter Oak family!

At Charter Oak, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our robust financial performance, you can trust that your money is in safe hands. With a net worth of $177,532,367, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1123 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $337,930,368 in share certificates and $242,671,367 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $10,108,247, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $177,222,759 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is significant; we have provided $9,008 in used auto loans and a total of $928,685,774 in loans and leases to support our members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, demonstrating our commitment to maintaining low costs for our members while still delivering high-quality services. We also take pride in having 185 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares available for lending and investments stand at $27,739,393. Additionally, the total number of share accounts has reached an impressive 209,981, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Charter Oak is your trusted partner. Visit us at 3 Boston Post Rd Waterford CT 06385 or call 860-446-8085 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.