Overview / Commentary
601 Watertown Ave
Waterbury, CT 06708

FD Community Federal Credit Union is headquartered in Waterbury and is the 21st largest credit union in the state of Connecticut. It is also the 1,802nd largest credit union in the nation. It was established in 1934 and as of June of 2018, it had grown to 17 employees and 9,188 members at 3 locations. FD Community Federal Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

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.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. FD Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #42
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD6.04%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$83.4MM$77.8MM
LoansQ2 2018vs Q2 2017$57.1MM$53.9MM
DepositsQ2 2018vs Q2 2017$74.8MM$70.1MM
Equity CapitalQ2 2018vs Q2 2017$8.0MM$7.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$251.00K$257.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$733.00K$510.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$48.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FD Community Federal Credit Union Savings Account Rates

0.25%$25-Regular Share
0.25%--Club Account
0.25%--IRA Regular Share

FD Community Federal Credit Union Money Market Rates

1.05%*$75k*-Money One Account
OTHER TIERS: 0.25% $2.5k - $10k | 0.75% $10k - $75k

FD Community Federal Credit Union Checking Account Rates

0.15%$500-Draft Account

FD Community Federal Credit Union CD Rates

2.78%$500-60 Month CD
2.53%$500-48 Month CD
2.43%$500-36 Month CD
2.32%$500-24 Month CD
2.02%$500-18 Month CD
1.41%$500-12 Month CD
1.06%$500-6 Month CD

FD Community Federal Credit Union IRA Rates

2.78%$500-60 Month IRA
2.53%$500-48 Month IRA
2.43%$500-36 Month IRA
2.32%$500-24 Month IRA
2.02%$500-18 Month IRA
1.41%$500-12 Month IRA

FD Community Federal Credit Union Locations
Branch Office236 Grand StWaterbury, CT 06702
Branch Office601 Watertown AveWaterbury, CT 06708
Branch Office281 Meriden RdWaterbury, CT 06705

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