Business Details
50+ Years
experience
Emergency
services
Your Trusted Connecticut Credit Union Since 1939
Charter Oak Family Health Center has served members with dedication since 1939, beginning in a shipyard with a vision for community-focused financial services. Over 84 years, we have expanded our offerings while maintaining a steadfast commitment to member satisfaction. Our services include personalized checking and savings accounts, competitive lending solutions, and innovative digital banking tools. We prioritize financial education through workshops and resources, empowering members to achieve their goals. Our Gold Rewards program recognizes long-term members with annual cash bonuses.With 24/7 ATM access and branches across Windham and New London counties, we combine convenience with personalized service. Our team emphasizes transparency, ethical practices, and community engagement through scholarship programs and charitable initiatives. Federally insured by NCUA, we ensure security and reliability for all members. Our experienced professionals bring decades of industry knowledge to deliver tailored financial solutions. By focusing on member needs rather than profit motives, we maintain our reputation as a trusted local financial institution.
Services
Personal Checking
Savings Accounts
Auto Loans
Mortgage Lending
Business Banking
Home Equity Loans
Credit Cards
Wealth Management
Digital Banking
Financial Education
Details
- Year established: 1939
Highlights and features
- 84+ years serving Connecticut communities with personalized service
- Gold Rewards program pays annual $100 cash bonuses to members
- 24/7 access to 5,600 shared branches and 30,000 ATMs nationwide
- Federally insured deposits with competitive APYs and APRs
- Free financial literacy workshops and educational resources
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Personal Checking
Our personal checking accounts offer 3.00% APY with no monthly fees. Features include free debit cards, mobile check deposit, and access to 30,000 ATMs. Designed for everyday spending needs with real-time transaction alerts and fraud protection.
Auto Loans
Competitive auto loans with rates starting at 5.49% APR for new vehicles. Terms up to 84 months with $25 rebates for automatic payments. We finance both new and used vehicles up to 125,000 miles with no commercial use restrictions.
Mortgage Lending
Fixed and adjustable-rate mortgages with terms from 10 to 30 years. Special programs include low down payment options and HELOCs starting at 6.750% APR. We offer refinancing and first-time homebuyer assistance programs.
Digital Banking
24/7 digital access through our bankNgo platform with bill pay, mobile check deposit, and real-time alerts. Voice-activated phone banking and SMS opt-in security codes enhance convenience while maintaining NCUA-insured protection.
Financial Education
Free virtual financial workshops cover budgeting, credit building, and investment basics. Our calculators help plan mortgages, savings goals, and loan payments. Resources include fraud prevention guides and retirement planning tools.
Questions
What assistance programs exist during government shutdowns?
We offer payment deferrals and fee waivers for affected members through our temporary hardship programs.
How do I activate voice-activated banking?
Text START to 860-446-3251, verify your phone number, then call 860-446-8085 and press 1 to set up your access code.
Are your ATMs accessible 24/7?
All branches have 24-hour ATMs with cash deposit capabilities and surcharge-free access for members.
What loan discounts are available?
$25 rebates for automatic payments on auto, personal, and mortgage loans. Gold Rewards members receive exclusive rate offers.
How can I report fraudulent activity?
Contact us immediately at 860-446-8085 or visit any branch to report suspicious transactions or phishing attempts.
