Rates Effective 10/06/08

All rates subject to change daily.

Home Equity Loans

For home improvement, debt consolidation, education, or a new car. Whatever your personal dream is, a fixed rate home equity loan is the smart way to borrow. We offer loans from $5,000 to $200,000 with absolutely no fees or closing costs. With approved credit, you may even borrow up to 90% of the appraised value of your home (minus your first mortgage balance, if any). And, in most cases, the interest is tax deductible (consult your tax adviser).

• Low fixed rates!
• Convenient terms from 3 to 20 years!
• No application fees, appraisal fees, annual fees or closing costs!
• Even if you've had credit problems, we can help you get a fast, affordable home equity loan!

*Your rate may vary depending on your credit history.
Other terms and rates available.
Call the phone center at (800) 962-3237, ext. 102

Home Equity Line of Credit

For the ultimate in convenience, nothing beats a Charter Oak Home Equity Line. You can access your credit line by just writing a check. You may use the money you borrow for any purpose - home improvement, debt consolidation, education, a new car, your dream vacation, etc. - and, in most cases, the interest is tax deductible (consult your tax adviser). And, of course, we charge no fees for a flexible Charter Oak Home Equity Line of Credit!

• Borrow up to 95% of the value of your home!
• Low variable interest rate!
• Low monthly payments!
• No points, application fees, appraisal fees, closing costs or annual fees!

*Variable APR is based on the Wall Street Journal Prime Rate published the last business day of each month, minus a margin of 0.25% for a borrower with a loan-to-value ratio of 80% and lower. Margin is based on a loan-to-value ratio. Maximum APR is 18%.

Vehicle Loans

Charter Oak financing is available in the showrooms of 50 area dealerships. Pick out the car of your dreams and get convenient, low cost Charter Oak financing without having to make an extra trip to our office. Please check our list of participating automobile dealers to locate your favorite. Check out our current rates, too!

• The same low rates for both new and used vehicles!
• Convenient terms up to 72 months!
• 100% financing available to qualified applicants!
• Even if you've had credit problems, we can help you get a fast, affordable loan on the car you need!

*Your rate may vary depending on your credit history. Vendor single interest insurance premium of $50.00 required on all auto loans.

Boats, Motorcycles, & Recreational Vehicles

*Your rate may vary, depending on your credit history.
Long-term financing available. Vendor single interest insurance premium of $50.00 required on all boat, motorcycle and recreational vehicle loans.

Personal Loans

It's simple: you have wishes and dreams. Charter Oak has the money to help you see them come true. For over 60 years we've helped thousands of people with loans from $500 to $60,000. We're here to serve you, too.

• Low, fixed rates!
• Convenient terms from 1 to 60 months!
• Even if you've had credit problems, look to us for a fast, affordable personal loan!

*Your rate may vary, depending on your credit history.

Readi-Cash Too

Imagine…a perfect loan for busy people just like you. Your perfect loan is now available. It’s called Readi-Cash Too. Now you can enjoy a truly great rate coupled with convenient access. Readi-Cash Too is an open-end credit product with limits to $10,000. It can be activated from across town or across country easily via our Phone Center, Info-Phone, the web, an ATM, or simply by writing a check. For more information or to apply, please call (860) 446-8085 ext. 102 (local) or (800) 962-3237 ext. 102 (long distance), or apply online. Imagine no more!