Fd Community Federal Credit Union
601 Watertown Ave
Waterbury, CT 06708
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2021 Overview
General Credit Union Information
Fd Community is an NCUA insured institution located in Waterbury, CT. It was founded in 1934 and has approximately $118.29 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 42 |
| Date Established | 1934 |
| Assets | $118.29 million |
| Loans | $60.30 million |
| Deposits | $107.86 million |
| Capital | $10.00 million |
Field of Membership Restrictions
Deposit Rates - October 24, 2021
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - October 24, 2021
Your Current Location: Connecticut, CT 06828
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 - Connecticut 30 Year Fixed Mortgage Rates 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 541760 |
3.172% | 3.100% | 0.88 | $2,315 | $1,068 | Learn More |
NMLS ID: 330511 |
3.166% | 3.125% | 0.50 | $1,312 | $1,071 | Learn More |
NMLS ID: 2890 License#: 13256 |
2.904% | 2.875% | 0.38 | $928 | $1,038 | Learn More |
NMLS ID: 3030 |
3.736% | 3.625% | 0.88 | $3,438 | $1,141 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR 2.990 % After Intro: 3.750 % Intro Period: 12 months |
$25,000 |
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More Info |
Third Federal Savings and Loan See Table |
2.240 %
|
$0 |
Learn More
More Info |
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:
Fairfield,Connecticut
Climate 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.
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 |
|---|---|
| 8.96% | 3.79 |
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 June 30, 2021, Fd Community had $924,346 in non-current loans and $6,850 in owned assets. To cover these potential losses it had $9,998,749 in net worth and $398,525 in loans loss reserves. That gives it a Texas Ratio of 8.96%.
Net Worth
| Fd Community | U.S. Average |
|---|---|
| 8.45% | 12.22% |
Fd Community FCU has a net worth of 8.45% versus the BestCashCow average of 12.22. 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.
Is Fd Community FDIC insured?
No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Fd Community is insured by the NCUA.
Who can join Fd Community?
Please see Field of Membership information above for information on who is eligible to join.
How big is Fd Community?
Fd Community has total capital of $10.00 million. Full information on Fd Community's financial position is located above.
Who owns Fd Community?
Credit Unions are owned by their members.
Where are Fd Community branches located?
See branch locations nearby.
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 home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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