WATERBURY CONNECTICUT TEACHERS

P.O. BOX 2121
Waterbury, CT 06722

 

2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 22
Date Established 1934
Assets $233.94 million
Loans $175.00 million
Deposits $199.28 million
Capital $33.49 million

Waterbury Connecticut Teachers is an NCUA insured institution located in Waterbury, CT. It was founded in 1934 and has approximately $233.94 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

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 - September 24, 2018

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD 10K
0.20% $500 - Learn MoreShow Less
6 Mo CD 10K
1.01% $500 - Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.76% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.20% $10 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.20% $2,500 $4,999 Learn MoreShow Less
MM 10K
0.30% $10,000 $19,999 Learn MoreShow Less
MM 25K
0.40% $20,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1 - Learn MoreShow Less

Loan Rates - September 24, 2018

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
4.836% 4.750% 0.00 $2,500 $1,305 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.546% 4.500% 0.13 $1,454 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.500% 5.500% 0.00 $0 $1,420 Learn More
Ally Bank
NMLS ID: 181005
4.807% 4.750% 0.25 $1,746 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.740% $291.47 Learn More

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:
Ashburn,Virginia


Waterbury Connecticut Teachers Locations

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
2.24% 6.94

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, 2018, Waterbury Connecticut Teachers had $681,481 in non-current loans and $90,000 in owned assets. To cover these potential losses it had $33,488,248 in net worth and $985,742 in loans loss reserves. That gives it a Texas Ratio of 2.24%.

Net Worth
Waterbury Connecticut Teachers U.S. Average
14.31% 13.08%

Waterbury Connecticut Teachers FCU has a net worth of 14.31% versus the BestCashCow average of 13.08. 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 On Waterbury Connecticut Teachers

What is Waterbury Connecticut Teachers?

A federal credit union, registered with the NCUA under certificate #22.
Learn more about credit unions here.

Is Waterbury Connecticut Teachers FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Waterbury Connecticut Teachers?

Please see Field of Membership information above for information on who is eligible to join.

What are Waterbury Connecticut Teachers's share account and share certificate rates?

Waterbury Connecticut Teachers'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 Waterbury Connecticut Teachers?

Waterbury Connecticut Teachers has total capital of $33.49 million. Full information on Waterbury Connecticut Teachers's financial position is located above.

Who owns Waterbury Connecticut Teachers?

Credit Unions are owned by their members.

Where are Waterbury Connecticut Teachers branches located?

See branch locations nearby.

Are Waterbury Connecticut Teachers ATMs Open 24/7?

Do Waterbury Connecticut Teachers ATMs accept cash deposits?

Can Waterbury Connecticut Teachers customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Waterbury Connecticut Teachers have a mobile app?

Does Waterbury Connecticut Teachers have mobile deposit?

Does Waterbury Connecticut Teachers have quick pay?

How can Waterbury Connecticut Teachers transfer money to other banks or credit unions?

Does Waterbury Connecticut Teachers report to credit bureaus?

Does Waterbury Connecticut Teachers use Chexsystems?

Does Waterbury Connecticut Teachers use Equifax?

What is Waterbury Connecticut Teachers's toll free phone number?

What is Waterbury Connecticut Teachers's ACH Routing Number?

What is Waterbury Connecticut Teachers's SWIFT code?

Where can I find Waterbury Connecticut Teachers's wire transfer form?

What is the Waterbury Connecticut Teachers address for deposits?

What Products Does Waterbury Connecticut Teachers Offer

Does Waterbury Connecticut Teachers offer mortgages?

Compare mortgage rates here.

Does Waterbury Connecticut Teachers offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Waterbury Connecticut Teachers offer auto and RV loans?

Compare auto loan rates here.

Does Waterbury Connecticut Teachers offer student loans or personal loans?

Compare personal loan rates here.

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