Credit union · NCUA insured
Charter Oak Federal Credit Union Auto Loan Rates
Charter Oak Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Charter Oak Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Norwich, CT, where Charter Oak Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Charter Oak Federal Credit Union
4.99%APR
- Terms
- —
- Discount
- None included
Auto Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
Dutch Point Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Charter Oak Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Charter Oak Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Vendor Single Interest (VSI) Insurance is required on all vehicle loans. Loan to value is based on total amount of funded loan divided by MSRP for new vehicle and NADA Retail for used vehicles. Maximum mileage for used vehicles is 125,000. No commercial use vehicles, max GVW 10,000 lbs. Rate may vary depending on credit history, year of vehicle, and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Model year 2025 & Newer. Rate as low as 4.99% APR. |
| — | 6.74% | Model year 2017 – 2019. Rate as low as 6.74% APR. |
| — | 7.74% | Model year 2016. Rate as low as 7.74% APR. |
Sources (1)
- charteroak.org/consumer-lending/auto-loan · captured Oct 22, 2026
Who can join Charter Oak Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, go to school, worship, volunteer, or donate in New London County or Windham County are eligible for membership.
Cost to join
- When a member opens an account, Charter Oak deposits a penny into their savings account.
Membership information collected October 4, 2026.