Fd Community Federal Credit Union

Headquarters

601 Watertown Ave
Waterbury, CT 06708
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Notable Rates	APY	Vs.Others
Savings	0.10%	4.66% →
1-Year CD	0.45%	4.59% →
2-Year CD	0.55%	4.25% →
5-Year CD	0.90%	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Fd Community is an NCUA insured institution located in Waterbury, CT. It was founded in 1934 and has approximately $155.36 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 42
Date Established	1934
Assets	$155.36 million
Loans	$79.93 million
Deposits	$137.04 million
Capital	$16.55 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, and businesses and other legal entities located in the towns of Waterbury, Naugatuck, Cheshire, Watertown, Wolcott, Plymouth, Prospect, Oakville, Thomaston, or Middlebury, Connecticut.

Deposit Rates - July 31, 2025

Your Current Location: Washington, WA 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.10%	$2,500	$4,999	Learn More Reviews
Money Market	0.15%	$2,500	$2,999	Learn More Reviews
Money Market	0.15%	$10,000	$14,999	Learn More Reviews
Money Market	0.25%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.25%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.25%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.45%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.45%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.55%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.55%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.65%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.65%	$100,000	$199,999	Learn More Reviews
48 Mo CD	0.75%	$10,000	$14,999	Learn More Reviews
48 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews
60 Mo CD	0.90%	$10,000	$14,999	Learn More Reviews
60 Mo CD	0.90%	$100,000	$199,999	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.05%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - July 31, 2025

Your Current Location: Washington, WA 10007

There are currently no loan rates available for Fd Community

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.333%	6.250%	0.88	$2,800	$1,971	Learn More
NMLS ID: 432980	6.371%	6.250%	0.00	$4,324	$1,971	Learn More
NMLS ID: 447490	6.502%	6.375%	0.88	$4,259	$1,997	Learn More
NMLS ID: 118653 License#: CL-118653	6.556%	6.490%	0.63	$2,584	$2,021	Learn More

See More Mortgage Rates →

Featured - Washington Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 6x faster than the industry standard* Fixed rate on each draw* No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.800 % After Intro: 6.800 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 6.800 % After Intro: 6.800 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Achieve Loans See Table	Intro APR 10.125 % After Intro: 10.125 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Fd Community
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Branches

Below are Fd Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Camas,Washington

Fd Community Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Main	2626.96	A	View Lobby Hours
Watertown Avenue	2630.12	B	View Lobby Hours
Meriden Rd	2632.96	C	View Lobby Hours

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Climate Policy and Initiatives

FD COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Fd Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fd Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Fd Community	U.S. Average
4.85%	6.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2025, Fd Community had $820,250 in non-current loans and $6,850 in owned assets. To cover these potential losses it had $16,553,981 in net worth and $515,534 in loans loss reserves. That gives it a Texas Ratio of 4.85%.

Net Worth

Fd Community	U.S. Average
10.65%	14.12%

Fd Community FCU has a net worth of 10.65% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Fd Community

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