Stuck with a high mortgage rate?
Thinking of refinancing a mortgage from another lender?
*Annual Percentage Rate (APR). All rates subject to change daily. A non-refundable application fee of $475 is required. Eligible properties include refinances of 1-4 family owner occupied detached dwellings and condominiums in FHLMC approved projects located in Connecticut and Rhode Island only. Not available for refinancing of existing Accelerator Mortgage loans. Minimum loan amount of $25,000 and a maximum loan amount of $3,000,000. Maximum loan-to-value cannot exceed 80% of the property value. An 8-year fixed rate $200,000 loan with an interest rate of 1.99% is repayable in 96 monthly payments of $2,255.29 (principal and interest only, taxes and insurance may increase actual payments). A 12-year fixed rate $200,000 loan with an interest rate of 2.50% is repayable in 144 monthly payments of $1,609.06 (principal and interest only, taxes and insurance may increase actual payments). Some fees apply for loans greater than $250,000. Loans over $500,000 are subject to a 0.25% increase above the published rate. Charter Oak Federal Credit Union requires escrows for property taxes and if applicable, flood insurance. Borrower is responsible for homeowners insurance and pre-paid interest.
|
|
|
|
The Day's Best of The Best 2021
Readers' Choice Award
|
We've done it again, thanks to all your votes! Thank you to everyone who voted for Charter Oak Federal Credit Union for Best Credit Union in The Day's Best of The Best 2021 Readers' Choice Awards. This is our seventh consecutive year in achieving this accolade!
|
|
|
|
Maximize Your Giving Power |
|
YOU GIVE. WE GIVE.
We’re giving away $100,000 in 100 days! Donate up to $500 to your favorite charity by November 24, 2021 and we’ll match it.**
This is a great way for you to maximize your giving power - $500 donations can quickly become $1,000 donations. But don't delay! Our Matching Gifts promotion will conclude within 100 days, or when the $100,000 is exhausted.
Get your donation matched TODAY!
|
|
**Valid on donations up to $500 made by primary members between 8/17/21 and 11/24/21 or until our Matching Gifts limit is met. Donations must be made to organizations recognized as tax exempt by the Internal Revenue Service under Section 501(c)(3) of the Internal Revenue Code. Some exclusions apply. Charter Oak Federal Credit Union reserves the right to deny any request, and can modify or terminate the program at any time. Submission of an application is NOT a guarantee of a match. Charter Oak Federal Credit Union is not responsible to match the donation if the charity does not properly comply with the terms mentioned above. Matching contributions that are paid by Charter Oak Federal Credit Union are exclusively owned by Charter Oak Federal Credit Union and do not qualify as a tax deduction for the participants of the program. Consult your tax advisor for the deductibility of your personal contribution for Federal and State income tax purposes. Program is only valid for Charter Oak Federal Credit Union Members. Visit CharterOak.org to view all guidelines.
|
|
Need a business loan? Charter Oak Federal Credit Union offers lending that fits your business, with great products, great rates, and great terms! Let our business lenders work with you to grow your business - and your bottom line!
|
|
MEET OUR FINANCIAL PROFESSIONALS |
|
Stephen A. Sylvester, CRPC®
Vice President
Wealth Management
Direct Line: 860.446.1842
Fax: 608.218.2199
1055 Hartford Turnpike
Waterford, CT 06385
OR
32 Chicago Avenue
Groton, CT 06340
|
|
Todd A. Gestrich
Financial Advisor
Direct Line: 860.446.3312
Fax: 608.236.8031
3 Boston Post Road
Waterford, CT 06385
|
|
Golam Ahmed
Financial Advisor
Direct Line: 860.446.3477
Fax: 608.236.6498
1 Connecticut Ave
Norwich, CT 06360
|
|
Charter Oak Retirement and Investment Financial Professionals are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.
FR-3248833.1-0920-1022
|
|
Looking to buy or refinance a home? Make sure you are on the lookout for scammers taking advantage of homeowners during the closing process. Real estate wire fraud or mortgage wire fraud is a scam in which a hacker convinces you to wire your closing costs to a fraudulent account.
|
|
Columbus Day
Monday, October 11, 2021 - CLOSED
Veterans Day
Thursday, November 11, 2021 - CLOSED
Thanksgiving
Thursday, November 25, 2021 - CLOSED
Christmas Eve
Friday, December 24, 2021 - CLOSED
Christmas Day
Saturday, December 25, 2021 - CLOSED
New Year's Day
Saturday, January 1, 2022 - CLOSED
|
|
860.446.8085 | 800.962.3237
FEDERALLY INSURED BY NCUA | EQUAL HOUSING LENDER
|
|
|
|
|
|
|
