What are the current interest rates at Torrington Municipal & Teachers Federal Credit Union?

Current rates for Torrington Municipal & Teachers Federal Credit Union include: 12-Month CD: 4.07%, 18-Month CD: 4.07%, 24-Month CD: 4.13%, 60-Month CD: 4.23%, MMA: 2.02%

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Torrington Municipal & Teachers Federal Credit Union

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Torrington Municipal & Teachers Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Torrington Municipal & Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Torrington Municipal & Teachers Federal Credit Union's top rates as of October 9, 2026 are 4.23% APY on its 36 Month Regular/IRA CD, 2.02% APY on money market accounts, and personal loans from 10.99% APR, according to rates verified by MonitorBankRates. Other Torrington Municipal & Teachers Federal Credit Union CD rates include 60 Month Regular/IRA CD at 4.23%, 30 Month Regular/IRA CD at 4.18%, and 24 Month Regular/IRA CD at 4.13%. MonitorBankRates evaluates the financial stability of Torrington Municipal & Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.55%. Rates last updated and verified on 10/09/2026.

Torrington Municipal & Teachers Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Torrington Municipal & Teachers Federal Credit Union? Share your experience about Torrington Municipal & Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Torrington Municipal & Teachers Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.55%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Torrington Municipal & Teachers Federal Credit Union
Main Office

777 E Main St
Torrington, CT 06790-3915

https://tmtfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Torrington Municipal & Teachers Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Regular/IRA Share Certificate	4.15%	4.23%	36 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56% Oct 9, 20264.23%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
60 Month Regular/IRA Share Certificate	4.15%	4.23%	60 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61% Oct 9, 20264.23%▲ from 3.61% Sep 18, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
30 Month Regular/IRA Share Certificate	4.10%	4.18%	30 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.51% → 4.18% ▲ 0.67 pts · high 4.18% / low 3.51% Oct 9, 20264.18%▲ from 3.51% Sep 18, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
24 Month Regular/IRA Share Certificate	4.05%	4.13%	24 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 4.13% ▲ 0.68 pts · high 4.13% / low 3.45% Oct 9, 20264.13%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
12 Month Regular/IRA Share Certificate	4.00%	4.07%	12 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.71% → 4.07% ▲ 0.36 pts · high 4.07% / low 3.71% Oct 9, 20264.07%▲ from 3.71% Sep 18, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
18 Month Regular/IRA Share Certificate	4.00%	4.07%	18 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45% Oct 9, 20264.07%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
6 Month Regular/IRA Share Certificate	3.75%	3.82%	6 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 9, 20263.82%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Torrington Municipal & Teachers Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Advanced Money Market	2.00%	2.015%
Min Deposit $75,000 Min Balance $75,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Torrington Municipal & Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	3.25%	24 Months
Details As low as; Cost Per $1000: $43.09 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
New Vehicles Loan	-	-	3.99%	36 Months
Details As low as; Cost Per $1000: $29.52 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
New Vehicles Loan	-	-	3.99%	48 Months
Details As low as; Cost Per $1000: $22.57 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Used Vehicles Loan	-	-	4.25%	24 Months
Details As low as; Cost Per $1000: $43.54 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
New Vehicles Loan	-	-	4.29%	60 Months
Details As low as; Cost Per $1000: $18.55 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.29% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
New Vehicles Loan	-	-	4.75%	72 Months
Details As low as; Cost Per $1000: $15.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Used Vehicles Loan	-	-	4.90%	36 Months
Details As low as; Cost Per $1000: $29.97 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Used Vehicles Loan	-	-	4.99%	48 Months
Details As low as; Cost Per $1000: $23.02 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Used Vehicles Loan	-	-	5.29%	60 Months
Details As low as; Cost Per $1000: $19.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Used Vehicles Loan	-	-	5.75%	72 Months
Details As low as; Cost Per $1000: $16.46 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Torrington Municipal & Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	10.99%	12-24 months
Details As low as; Cost Per $1000: $88.38-$46.60 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Personal Loans	11.24%	36 Months
Details As low as; Cost Per $1000: $32.85 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Personal Loans	11.74%	48 months
Details As low as; Cost Per $1000: $26.21 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Debt Consolidation Loans	13.99%	48 months
Details As low as; Cost Per $1000: $27.32 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Torrington Municipal & Teachers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Rising STAR	4.91%	-	5.00%
Details Under age 21 Maximum of $1,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91% Sep 21, 20265.00%▲ from 4.91% Sep 18, 20264.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Torrington Municipal & Teachers Federal Credit Union’s Texas Ratio fell from 2.63% in Q3 2023 to 0.55% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$94M	0.55%	5.0	A+
March 31, 2026	$91M	0.76%	5.0	A+
December 31, 2025	$89M	0.84%	5.0	A+
September 30, 2025	$87M	1.24%	5.0	A+
June 30, 2025	$87M	4.95%	5.0	A+
March 31, 2025	$87M	1.09%	5.0	A+
December 31, 2024	$83M	1.07%	5.0	A+
September 30, 2024	$81M	2.01%	5.0	A+
June 30, 2024	$81M	1.88%	5.0	A+
March 31, 2024	$80M	1.89%	5.0	A+
December 31, 2023	$75M	2.63%	5.0	A+
September 30, 2023	$76M	2.63%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Torrington Municipal & Teachers Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Torrington Municipal & Teachers Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Torrington Municipal & Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Torrington Municipal & Teachers Federal Credit Union

Website https://tmtfcu.org

Address 777 E Main St, Torrington, CT 06790-3915

Phone 860-489-2212

Fax 860-496-7024

President Michael Tyler

CEO Donna Marie Battistoni

Full-Time Employees 16

Part-Time Employees 3

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.55%

Return on Assets (ROA)

0.5100%

Return on Equity (ROE)

5.4427%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

93,598,852

Total Amount of Shares and Deposits

84,804,458

Total Shares and Deposits < 1 Year

84,483,468

Total Shares and Deposits 1 3 Years

196,611

Total Shares and Deposits > 3 Years

124,379

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,262,842

Total Uninsured Shares and Deposits > $250K (F+J)

5,262,842

Total Insured Shares and Deposits > $250K (item 17 less item K)

79,541,616

Total Interest Expense (Sum of items 6 8)

458,862

Share Certificates

580

Number of Accounts for Share Drafts

6,721

IRA KEOGH Accounts

274

Number of Accounts for Regular Shares

12,880

All other shares

1,261

Money Market Shares

606

Net Income (unless the amount is already included in Undivided Earnings)

477,323

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,636,114

Total Liabilities

84,828,837

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Torrington Municipal & Teachers Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Torrington Municipal & Teachers Federal Credit Union

How many branches does Torrington Municipal & Teachers Federal Credit Union operate?

Torrington Municipal & Teachers Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Torrington Municipal & Teachers Federal Credit Union?

Yes, to access services at Torrington Municipal & Teachers Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Torrington Municipal & Teachers Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Torrington Municipal & Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Torrington Municipal & Teachers Federal Credit Union offer online and mobile banking?

Most modern institutions like Torrington Municipal & Teachers Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://tmtfcu.org.