Charter Oak CU (CT) Offers 17-Month Go Certificate Special


Availability: Residents of New London and Windham Counties, Connecticut

Charter Oak Credit Union (Connecticut) has brought back its 17-month GO Share Certificate Special (2.00% APY). The minimum opening deposit is $1K, with a maximum aggregate total of $200K for all GO Certificates per qualified member.

According to CSR, the Early Withdrawal Penalty is 180 days interest.

This promotional rate is automatically available to Charter Oak Credit Union Gold Rewards members, while non-Gold Rewards members must fulfill the following requirements to receive the 2.00% APY. In addition, non-Gold Rewards members must use new money to open the 17-month GO Share Certificate (CD) Special.

  • Monthly direct deposits of at least $750 during the term of the CD, OR
  • 4 unique monthly "Bill Pays" during the term of the CD

If the above conditions are not met, the rate on the 17-month GO CD Special will be reduced to 0.60% APY until maturity. The 17-month GO CD Special will not renew, and at maturity will roll over into a Jumbo Money Market Account. Complete details can be found on the 17-month GO CD Special promotion page.

GO Checking

Charter Oak CU also has a GO Checking account earning 3.00% APY on balances up to $10K; balances over $10K earn 0.25% APY. The GO Checking account can be opened with a $50 deposit and has the following requirements to earn the stated APY:

  • e-Statement
  • Online Banking
  • 10 Debit Card transactions monthly
  • AND

  • Monthly direct deposits of at least $750, OR
  • 4 unique monthly "Bill Pays"

If any one of the above requirements are not met during a calendar month, the APY will be reduced to 0.05% on all tiered balances. (These requirements do not apply to the month in which the account is opened.) Complete details can be found on the GO Checking promotion page.

Many thanks to DA member, Carpline, for his Forum post about these deals.


Headquartered in Waterford, Charter Oak Credit Union offers membership to anyone who lives, works, attends school, volunteers, or worships in New London and Windham Counties, Connecticut.

Immediate family and household members of current Charter Oak CU members are also eligible to join.

Joining Charter Oak CU and opening an account can be initiated online or done in-person at any of 13 Connecticut branches located in Dayville (2), Groton (3), New London, Niantic, Norwich, Pawcatuck, Putnam, Uncasville, Waterford, and Willimantic.

Credit Union Overview

Charter Oak Credit Union has an overall "A" health rating at, with a Texas ratio of 4.72% (excellent), based on March 31, 2015 data. In the past year, Charter Oak Credit Union's total deposits have grown by $38.66 Million, an excellent annual growth rate of 5.67%. Please refer to our financial overview of Charter Oak Credit Union for more details.

Charter Oak Credit Union (NCUA Charter # 3413) was founded in 1939 as the Groton Shipbuilder's Federal Credit Union, with 436 members joining in its first year. Currently, Charter Oak CU is Connecticut’s 2nd largest credit union, with a membership of 56,000+ and assets in excess of $868 Million.

Charter Oak CU is committed to the eastern Connecticut community, and through its Community Giving Program has awarded well over $1 Million to non-profits, charitable groups, and scholarship winners since 2009.

How the CD Compares

When compared to the 156 similar length-of-term CDs tracked by, requiring a similar minimum deposit and available to Connecticut residents, Charter Oak Credit Union’s 17-month GO Share Certificate Special currently leads the list.

The above rates are accurate as of 7/13/2015.

To search for nationwide CD rates and CD rates in your state, please refer to the CD rates section of

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