Fd Community Federal Credit Union


601 Watertown Ave
Waterbury, CT 06708
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.45% 0.75% →
2-Year CD 0.55% 0.80% →
5-Year CD 0.90% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

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

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 - October 24, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
0.90% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

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
Learn More
Quicken Loans NMLS #3030
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
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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



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:

Fd Community Locations

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.

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

Fd Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

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 mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Fd Community offer auto and RV loans?

Compare auto loan rates here.

Does Fd Community offer student loans or personal loans?

Compare personal loan rates here.

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