Fd Community Federal Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.10% 4.15% →
1-Year CD 0.45% 4.59% →
2-Year CD 0.55% 4.45% →
5-Year CD 0.90% 4.50% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

Fd Community is an NCUA insured institution located in Waterbury, CT. It was founded in 1934 and has approximately $156.07 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 42
Date Established 1934
Assets $156.07 million
Loans $91.93 million
Deposits $137.33 million
Capital $17.52 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 - September 14, 2026

Your Current Location: Mississippi, MS

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
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 - September 14, 2026

Your Current Location: Mississippi, MS

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 - Mississippi 30 Year Fixed Mortgage Rates 2026

View more mortgage rates

Featured - Mississippi Home Equity Line Of Credit Rates 2026

View 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:
Bay Saint Louis,Mississippi


Fd Community Locations


BranchDistance Map View Lobby Hours

Main

1163.92 A View Lobby Hours

Watertown Avenue

1164.64 B View Lobby Hours

Meriden Rd

1165.86 C View Lobby Hours


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
4.42% 6.78

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, 2025, Fd Community had $790,972 in non-current loans and $6,042 in owned assets. To cover these potential losses it had $17,519,296 in net worth and $515,534 in loans loss reserves. That gives it a Texas Ratio of 4.42%.

Net Worth
Fd Community U.S. Average
11.27% 14.48%

Fd Community FCU has a net worth of 11.27% versus the BestCashCow average of 14.48. 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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