Waterbury Connecticut Teachers Federal Credit Union

Headquarters

P.o. Box 2121
Waterbury, CT 06722
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 2.55% →
1-Year CD 0.50% 2.80% →
2-Year CD 0.70% 3.20% →
5-Year CD 1.20% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 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 $318.37 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 $318.37 million
Loans $217.65 million
Deposits $277.28 million
Capital $40.09 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 - August 16, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 16, 2022

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
JWH Financial, Inc
NMLS ID: 1433621
4.536% 4.375% 0.75 $4,772 $1,249 Learn More
CHASE
NMLS ID: 399798
5.570% 5.490% 0.88 $2,225 $1,418 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 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:
San Diego,California


Waterbury Connecticut Teachers Locations



Climate 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.

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
2.27% 4.75

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 March 31, 2022, Waterbury Connecticut Teachers had $398,120 in non-current loans and $540,496 in owned assets. To cover these potential losses it had $40,086,502 in net worth and $1,241,013 in loans loss reserves. That gives it a Texas Ratio of 2.27%.

Net Worth
Waterbury Connecticut Teachers U.S. Average
12.59% 12.28%

Waterbury Connecticut Teachers FCU has a net worth of 12.59% versus the BestCashCow average of 12.28. 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


  • September 13, 2019 |

    CDs 18 Month Rates

    Great experiences dealing with Ms. Bickelhaupt at the Danbury branch. I always ask for her.

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