Waterbury Connecticut Teachers Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 10^th largest credit union in the state of Connecticut. It is also the 942^nd largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 32 employees and 22,054 members at 2 locations. Waterbury Connecticut Teachers Federal Credit Union's CD rates are 4X the national average, and it boasts 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

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	22
Year Chartered	1934
Employees	32
Primary Regulator

Profit Margin
Return on Assets - YTD	1.5%
Return on Equity - YTD	9.69%
Annual Interest Income	$4.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$347.6MM$324MM
Loans	Q1 2025vs Q1 2024	$234.1MM$247.1MM
Deposits	Q1 2025vs Q1 2024	$291.3MM$272.5MM
Equity Capital	Q1 2025vs Q1 2024	$53MM$47.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.6MM$1.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$737K$762K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

Report an Issue

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

APY	MIN	MAX	ACCOUNT NAME
4.60%^*	$0	$1k	Head Start Savings
OTHER TIERS: 0.10% → $1k+
0.10%	$5	-	Regular Share Account
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$50k^*	-	Money Market
OTHER TIERS: 0.35% → $0 - $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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.05%	$0	$10k	A+ Checking
0.05%	$5	-	Regular Checking

Waterbury Connecticut Teachers Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	6 Month Certificate
3.85%	$500	-	12 Month Certificate
3.75%	$500	-	14 Month Certificate
3.75%	$500	-	9 Month Certificate
3.25%	$500	-	60 Month Certificate
3.20%	$500	-	48 Month Certificate
3.10%	$500	-	24 Month Certificate
3.00%	$500	-	18 Month Certifiacte
3.00%	$500	-	36 Month Certificate
2.85%	$500	-	30 Month Certificate
0.75%	$500	-	3 Month Certificate

Waterbury Connecticut Teachers Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	6 Month IRA
3.85%	$500	-	12 Month IRA
3.75%	$500	-	14 Month IRA
3.75%	$500	-	9 Month IRA
3.25%	$500	-	60 Month IRA
3.20%	$500	-	48 Month IRA
3.10%	$500	-	24 Month IRA
3.00%	$500	-	18 Month IRA
3.00%	$500	-	36 Month IRA
2.85%	$500	-	30 Month IRA
0.75%	$500	-	3 Month IRA
0.10%	$10	-	Regular IRA Shares

Locations

Waterbury Connecticut Teachers Federal Credit Union Locations
Branch Office	773 Straits Tpke	Middlebury, CT 06762-2852
Branch Office	110 Federal Rd	Danbury, CT 06811-4077

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.