Credit union · NCUA insured
Charter Oak Federal Credit Union CD Rates
A $1.7B credit union, the 294th largest of 4,329, headquartered in Waterford, CT, with 86,156 members and 15 branches in Connecticut.
How Charter Oak Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Norwich, CT, where Charter Oak Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Charter Oak Federal Credit Union
3.75%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $248
Share Certificate
Top rate
CorePlus Credit Union
4.30%APY
- Term
- 10 months
- Minimum
- $1,000
- Earns on $10,000
- $357
2nd-highest rate
Jewett City Savings Bank
4.25%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $246
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Share Certificate
Up to 3.75%APY · 11 terms
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 month30 Day term | 0.05% | — | 0.05% | $0 |
| 3 months3 Month term | 0.15% | — | 0.15% | $4 |
| 6 months6 Month term | 0.30% | — | 0.30% | $15 |
| 8 months8 Month Share Certificate Special. Offer is available for funds in existing shares. Not available with IRA. Stated APY assumes dividends remain on deposit until maturity. Early withdrawal penalty may apply | — | 3.75% | 3.75% | $248 |
| 12 months12 Month term | 0.40% | — | 0.40% | $40 |
| 18 months18 Month term | 0.50% | — | 0.50% | $75 |
| 24 months24 Month term | 0.50% | — | 0.50% | $100 |
| 30 months30 Month Share Certificate Special. Offer is available for funds in existing shares. Available with IRA. Stated APY assumes dividends remain on deposit until maturity. Early withdrawal penalty may apply | — | 3.50% | 3.50% | $898 |
| 36 months36 Month term | 0.50% | — | 0.50% | $151 |
| 48 months48 Month term | 0.50% | — | 0.50% | $202 |
| 60 months60 Month term | 0.50% | — | 0.50% | $253 |
Sources (1)
- charteroak.org/personal-banking/cd-share-certificates · captured Oct 4, 2026
IRA Certificate
Up to 3.50%APY · 10 terms
Available as Traditional, Roth, or SEP IRA.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthShort-Term IRA 30 Day term | 0.05% | — | 0.05% | $0 |
| 3 monthsShort-Term IRA 3 Month term | 0.15% | — | 0.15% | $4 |
| 6 monthsShort-Term IRA 6 Month term | 0.30% | — | 0.30% | $15 |
| 12 monthsShort-Term IRA 12 Month term | 0.40% | — | 0.40% | $40 |
| 18 monthsLong-Term Share IRA 18 Month term | 0.50% | — | 0.50% | $75 |
| 24 monthsLong-Term Share IRA 24 Month term | 0.50% | — | 0.50% | $100 |
| 30 months30 Month IRA Special. Stated APY assumes dividends remain on deposit until maturity. Early withdrawal penalty may apply | — | 3.50% | 3.50% | $898 |
| 36 monthsLong-Term Share IRA 36 Month term | 0.50% | — | 0.50% | $151 |
| 48 monthsLong-Term Share IRA 48 Month term | 0.50% | — | 0.50% | $202 |
| 60 monthsLong-Term Share IRA 60 Month term | 0.50% | — | 0.50% | $253 |
Sources (2)
All captured Oct 4, 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.