Overview / Commentary
48 Woodruff Ave
Watertown, CT 06795

Greater Watertown Federal Credit Union is headquartered in Watertown and is the 59th largest credit union in the state of Connecticut. It is also the 3,457th largest credit union in the nation. It was established in 1935 and as of June of 2018, it had grown to 5 employees and 3,145 members at 1 location. Greater Watertown Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Any persons who live, work, worship, or attend school in the towns of Watertown, Waterbury, Middlebury, Woodbury, Bethlehem, Thomaston, Morris, or Oakville, Connecticut. Any persons related by blood or through marriage to a current GWFCU member may also join.
See current membership details


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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. Greater Watertown Federal Credit Union has a low asset base.

Health Grade Components

NCUA #660
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD-0.04%
Return on Equity - YTD-0.61%
Annual Interest Income$313.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$18.7MM$18.4MM
LoansQ2 2018vs Q2 2017$8.3MM$8.3MM
DepositsQ2 2018vs Q2 2017$17.4MM$17.1MM
Equity CapitalQ2 2018vs Q2 2017$1.3MM$1.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$77.00K$78.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$145.00K$69.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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Greater Watertown Federal Credit Union Savings Account Rates

0.10%--Roth IRA
0.10%--Traditional IRA
0.05%--Regular Shares

Greater Watertown Federal Credit Union Money Market Rates

0.01%--Money Market

Greater Watertown Federal Credit Union CD Rates

0.50%$500-5 Year Share Certificate
0.50%$500-4 Year Share Certificate
0.50%$500-3 Year Share Certificate
0.25%$500-2 Year Share Certificate
0.10%$500-1 Year Share Certificate
0.10%$500-6 Month Share Certificate
0.10%$500-9 Month Share Certificate
0.10%$500-3 Month Share Certificate

Greater Watertown Federal Credit Union Locations
Branch Office48 woodruff avewatertown, CT 06795

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