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Waterbury Connecticut Teachers Federal Credit Union


Overview / Commentary
www.wctfcu.com
203-758-9500
773 Straits Tpke
Middlebury, CT 06762

Waterbury Connecticut Teachers Federal Credit Union is headquartered in Middlebury and is the 11th largest credit union in the state of Connecticut. It is also the 964th largest credit union in the nation. It was established in 1934 and as of June of 2023, it had grown to 32 employees and 21,065 members at 2 locations. Waterbury Connecticut Teachers Federal Credit Union's money market rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Waterbury Connecticut Teachers Federal Credit Union membership is open to persons paid through the Board of Education in 28 towns in three Connecticut counties (Fairfield, Litchfield, New Haven). This includes teachers, administrators, and any staff member working in a public, private or parochial school or at a university that is located in one of the eligible towns. Immediate family members of existing WCTFCU members may also join.
See current membership details

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Health
A

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #22
Year Chartered1934
Employees32
Primary Regulator
Profit Margin
Return on Assets - YTD1.98%
Return on Equity - YTD14.16%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$323.6MM$322.5MM
LoansQ2 2023vs Q2 2022$247.0MM$226.0MM
DepositsQ2 2023vs Q2 2022$276.4MM$280.9MM
Equity CapitalQ2 2023vs Q2 2022$44.4MM$39.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$1.1MM$1.2MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$302.00K$184.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Waterbury Connecticut Teachers Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Waterbury Connecticut Teachers Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.60%*-$1kHead Start Savings
OTHER TIERS: 0.10% → $1k+
0.10%$5-Regular Share Account
0.10%$10-Regular IRA Shares
0.10%$5-Vacation Club
0.10%$5-Summer Check Club
0.10%$5-Holiday Club

Waterbury Connecticut Teachers Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$50k*-Money Market
OTHER TIERS: 0.35% → Up to $2.5k | 0.50% → $2.5k - $5k | 0.65% → $5k - $10k | 0.75% → $10k - $20k | 0.85% → $20k - $50k

Waterbury Connecticut Teachers Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%-$10kA+ Checking
0.05%$5-Regular Checking

Waterbury Connecticut Teachers Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-9 Month Certificate Special
4.50%$500-6 Month Certificate Special
2.50%$500-60 Month Certificate
2.25%$500-48 Month Certificate
2.00%$500-36 Month Certificate
1.75%$500-30 Month Certificate
1.50%$500-24 Month Certificate
1.25%$500-18 Month Certifiacte
1.20%$500-14 Month Certificate
1.15%$500-12 Month Certificate
0.75%$500-3 Month Certificate

Waterbury Connecticut Teachers Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-9 Month IRA Special
4.50%$500-6 Month IRA Special
2.50%$500-60 Month IRA
2.25%$500-48 Month IRA
2.00%$500-36 Month IRA
1.75%$500-30 Month IRA
1.50%$500-24 Month IRA
1.25%$500-18 Month IRA
1.20%$500-14 Month IRA
1.15%$500-12 Month IRA
0.75%$500-3 Month IRA
Locations


Waterbury Connecticut Teachers Federal Credit Union Locations
Branch Office773 Straits TpkeMiddlebury, CT 06762-2852
Branch Office110 Federal RdDanbury, CT 06811-4077

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