FD COMMUNITY

601 WATERTOWN AVE
Waterbury, CT 06708

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
Reviews

2019 Overview

General Credit Union Information


NCUA Insured	Yes
Charter Number #	# 42
Date Established	1934
Assets	$81.18 million
Loans	$59.84 million
Deposits	$72.19 million
Capital	$8.26 million

Fd Community is an NCUA insured institution located in Waterbury, CT. It was founded in 1934 and has approximately $81.18 millions in assets.

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 - June 18, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.25%	$25	-	Learn MoreShow Less
Money Market	0.25%	$2,500	$10,000	Learn MoreShow Less
Money Market	0.75%	$10,001	$75,000	Learn MoreShow Less

Fixed IRA Rates	APY	MIN	MAX
Fixed IRA	1.41%	$1,000	-	Learn MoreShow Less

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	1.06%	$500	-	Learn MoreShow Less
12 Mo CD	1.41%	$500	-	Learn MoreShow Less
18 Mo CD	2.02%	$500	-	Learn MoreShow Less
24 Mo CD	2.32%	$500	-	Learn MoreShow Less
36 Mo CD	2.43%	$500	-	Learn MoreShow Less
48 Mo CD	2.53%	$500	-	Learn MoreShow Less
60 Mo CD	2.78%	$500	-	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.25%	$25	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.15%	$500	-	Learn MoreShow Less

Loan Rates - June 18, 2019

Your Current Location: Washington, WA 98109

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 2019

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 3030	4.500%	4.500%	0.00	$0	$1,267	Learn More
NMLS ID: 3030	5.250%	5.250%	0.00	$0	$1,381	Learn More

See More Mortgage Rates →

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loans	4.490 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Figure Home Equity Line	5.490 %	N/A	Learn More More Info
Approval is contingent upon a full application, and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. The loan amounts, rates, and terms available to you are dependent on many factors, including your credit profile, debt and income at the time of application, and your current loan-to-value (LTV) for the property which you are using as collateral. Annual percentage rates (APRs) will be higher for longer-term loans and properties that are not your primary residence. Loans are only available for single-family residences, townhomes, PUDs, and condos; we are unable to extend loans for other types of dwellings, including but not limited to: multi-family dwellings, co-ops, and manufactured homes. Our APRs range from 4.99% to 14.00%. The lowest APR is only available to consumers with excellent credit. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-3% of your initial draw depending on the state in which your property is located. Five-day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or if the 5-day period includes a weekend or holiday. Funding in 5 days is not available for first lien loans secured by owner-occupied properties in Vermont. Low fixed loan rate. Borrow $15,000-$100,000. Approvals in 5 minutes, funding in as few as 5 days No appraisal fee. No maintenance fee. No pre-payment fee. No late fee. Low origination fee (included in the loan amount) Potentially tax deductible
PenFed Credit Union	5.500 %	$0	Learn More More Info
Variable APR of Prime + 0% (Floor 3.75%). APR based on LTV of 80% or lower, for loan amounts $10,000 - $400,000. Save when you borrow from PenFed! Equal housing lender. Available to members online seven days a week, 24 hours a day Federally insured by NCUA

See More Home Equity Rates →

Note to FD COMMUNITY
To upload and update your bank's rates please register. It is free to register and add rates.

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:
Seattle,Washington

Fd Community Locations

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
9.18%	7.49

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 December 31, 2018, Fd Community had $795,959 in non-current loans and $3,000 in owned assets. To cover these potential losses it had $8,258,433 in net worth and $447,470 in loans loss reserves. That gives it a Texas Ratio of 9.18%.

Net Worth

Fd Community	U.S. Average
10.17%	13.61%

Fd Community FCU has a net worth of 10.17% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Fd Community

Branches and Savings

What is Fd Community?

A federal credit union, registered with the NCUA under certificate #42.
Learn more about credit unions here.

FD COMMUNITY

2019 Overview

General Credit Union Information

Field of Membership Restrictions

Deposit Rates - June 18, 2019

Loan Rates - June 18, 2019

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Featured - Washington Home Equity Line Of Credit Rates 2019

Branches

Fd Community Locations

Financial Details

Fd Community Ratio Analysis

Texas Ratio

Net Worth

Frequently Asked Questions About Fd Community

Branches and Savings

What is Fd Community?

Is Fd Community FDIC insured?

Who can join Fd Community?

What are Fd Community's share account and share certificate rates?

How big is Fd Community?

Who owns Fd Community?

Where are Fd Community branches located?

Are Fd Community ATMs Open 24/7?

Do Fd Community ATMs accept cash deposits?

Can Fd Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Fd Community have a mobile app?

Does Fd Community have mobile deposit?

Does Fd Community have quick pay?

How can Fd Community transfer money to other banks or credit unions?

Does Fd Community report to credit bureaus?

Does Fd Community use Chexsystems?

Does Fd Community use Equifax?

What is Fd Community's toll free phone number?

What is Fd Community's ACH Routing Number?

What is Fd Community's SWIFT code?

Where can I find Fd Community's wire transfer form?

What is the Fd Community address for deposits?

What Products Does Fd Community Offer

Does Fd Community offer mortgages?

Does Fd Community offer home equity lines of credit and home equity loans?

Does Fd Community offer auto and RV loans?

Does Fd Community offer student loans or personal loans?

Customer Reviews for Fd Community