Charter Oak Bank is a California based bank with headquarters located in Napa, California.  The bank was founded in 2004 and along with the Napa office has an additional bank branch in St. Helena, California.  Charter Oak Bank one of the fastest growing banks in the Napa Valley.  Charter Oak Bank is a community bank that is established to meet the needs and expectations of its customers of Napa Valley.

Charter Oak Bank offers a number of banking services in California.  The bank’s services include business accounts and consumer accounts.  Consumer accounts offered by the bank include certificates of deposits with competitive California CD rates, money market accounts, savings accounts and high-interest tiered checking account.  The bank also offers consumer loans such as lines of credit, term loans, consumer loans, and loans for construction, real estate, wineries, and vineyards.  Charter Oak Bank also offers ACH origination, remote deposit and online banking services.

Charter Oak Bank products and service are established to help the growth of local businesses and to simplify personal banking for the regions consumers. 

Charter Oak Bank certificates of deposits have a $1,000 minimum opening deposit.  California CD rates offered by Charter Oak Bank include a variety of different terms and interest rates.  Bank CD interest is compounded daily with terms of 7 days to 5 years.  Bank CD account holders can earn higher rates with higher balances and longer terms.

Current CD rates in California offered by Charter Oak with a minimum investment of $1,000.00 include:

7 days to 89 days CD interest rate is 0.50% 
3 month CD rate is 0.75% 
6 month CD interest rate 1.40% 
1 year bank CD rate 1.76% 
2 years and over bank CD rates are 2.02%
 
CD rates are subject to change without notice and additional conditions may apply.  Fees on these bank CDs could reduce earnings on accounts.  For current CD rates and account information contact the bank directly at 707.265.2000.  Additional bank rates and bank information is available on the Charter Oak Bank web site located at www.charteroakbank.com.

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