Waterbury Connecticut Teachers Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

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Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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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 11^th largest credit union in the state of Connecticut. It is also the 954^th largest credit union in the nation. It was established in 1934 and as of December of 2024, it had grown to 31 employees and 22,033 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

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Health

A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	22
Year Chartered	1934
Employees	31
Primary Regulator

Profit Margin
Return on Assets - YTD	1.48%
Return on Equity - YTD	9.6%
Annual Interest Income	$17.4MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$336MM$318.4MM
Loans	Q4 2024vs Q4 2023	$238.4MM$249.1MM
Deposits	Q4 2024vs Q4 2023	$281MM$268.2MM
Equity Capital	Q4 2024vs Q4 2023	$51.4MM$46.5MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$1.7MM$1.6MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$858K$668K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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

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Money Market
Checking
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IRA

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* 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

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