Waterbury Connecticut Teachers Federal Credit Union
Headquarters
P.o. Box 2121
Waterbury, CT 06722
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2024 Overview
General Credit Union Information
Waterbury Connecticut Teachers is an NCUA insured institution located in Waterbury, CT. It was founded in 1934 and has approximately $318.44 millions in assets.
Who can join?
Waterbury Connecticut Teachers Federal Credit Union serves teachers, administrators and other eligible public and parochial school personnel, their families, and permanent members of their households. Also, spouses of people who died while within our field of membership. Eligible employees in the following towns are encouraged to join the Waterbury Connecticut Teachers Federal Credit Union:
• Beacon Falls
• Bethel
• Bethlehem
• Bethany
• Bridgewater
• Brookfield
• Danbury
• Easton
• Middlebury
• Monroe
• Naugatuck
• New Fairfield
• New Milford
• Newtown
• Oxford
• Prospect
• Redding
• Ridgefield
• Roxbury
• Sherman
• Southbury
• Trumbull
• Washington
• Waterbury
• Watertown
• Wolcott
• Woodbury
Also included are eligible employees of:
• Waterbury Campus of the UCONN
• Post University
• Arch Bridge School
• Education Connection
• Fraser Woods School
• Hudson County Montesorri School
• Cheshire Academy
• Wesley Learning Center
• Chase Collegiate School
• Ridgefield Academy
• Washington Montessori School
• The Taft School
• Immaculate High School
• Maimonides Academy of Western CT
• Westover School
• Children's Community School
• Beth El Synagogue of Waterbury
• Wooster School
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 22 |
| Date Established | 1934 |
| Assets | $318.44 million |
| Loans | $249.14 million |
| Deposits | $268.16 million |
| Capital | $48.92 million |
Field of Membership Restrictions
Waterbury Connecticut Teachers Federal Credit Union membership is open to teachers, administrators and other eligible public and parochial school personnel and their families who live in certain towns in Connecticut or work for select schools.
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $99 | Learn More |
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Waterbury Connecticut Teachers
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.894% | 6.750% | 0.88 | $4,746 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Waterbury Connecticut Teachers
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Waterbury Connecticut Teachers 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:
Columbus,Ohio
Climate Policy and Initiatives
WATERBURY CONNECTICUT TEACHERS 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
Waterbury Connecticut Teachers Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Waterbury Connecticut Teachers. 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
| Waterbury Connecticut Teachers | U.S. Average |
|---|---|
| 1.60% | 6.97 |
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, 2023, Waterbury Connecticut Teachers had $258,895 in non-current loans and $540,496 in owned assets. To cover these potential losses it had $48,924,675 in net worth and $1,064,131 in loans loss reserves. That gives it a Texas Ratio of 1.60%.
Net Worth
| Waterbury Connecticut Teachers | U.S. Average |
|---|---|
| 15.34% | 13.62% |
Waterbury Connecticut Teachers FCU has a net worth of 15.34% versus the BestCashCow average of 13.62. 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 Waterbury Connecticut Teachers
Mike Ecsedy
September 13, 2019 |
Great experiences dealing with Ms. Bickelhaupt at the Danbury branch. I always ask for her.
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