What are the current interest rates at Waterbury Connecticut Teachers Federal Credit Union?

Current rates for Waterbury Connecticut Teachers Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 2.75%, 24-Month CD: 2.85%, 60-Month CD: 3.20%, Savings: 4.60%, MMA: 1.00%

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Waterbury Connecticut Teachers Federal Credit Union

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Waterbury Connecticut 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, Waterbury Connecticut 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 12, 2026

Waterbury Connecticut Teachers Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 12 Month CD, 4.60% APY on savings, 1.00% APY on money market accounts, 1.05% APY on checking, personal loans from 8.24% APR, and credit cards from 8.00% APR, according to rates verified by MonitorBankRates. Other Waterbury Connecticut Teachers Federal Credit Union CD rates include 12 Month IRA CD at 4.00%, 9 Month CD at 3.85%, and 9 Month IRA CD at 3.85%. MonitorBankRates evaluates the financial stability of Waterbury Connecticut Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.99%. Rates last updated and verified on 10/12/2026.

Waterbury Connecticut 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 Waterbury Connecticut Teachers Federal Credit Union? Share your experience about Waterbury Connecticut Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Waterbury Connecticut 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

0.99%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Waterbury Connecticut Teachers Federal Credit Union
Middlebury - Main

773 Straits Tpke
Middlebury, CT 06762-2852

https://www.wctfcu.com

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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.

Waterbury Connecticut Teachers Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.93%	4.00%	12 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 12, 20264.00%▲ from 3.65% Sep 16, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12 Month IRA Certificate	3.93%	4.00%	12 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 12, 20264.00%▲ from 3.65% Sep 16, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
9 Month Certificate	3.78%	3.85%	9 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25% Oct 12, 20263.85%▲ from 3.25% Sep 16, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
9 Month IRA Certificate	3.78%	3.85%	9 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25% Oct 12, 20263.85%▲ from 3.25% Sep 16, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month Certificate	3.69%	3.75%	6 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 12, 20263.75%▲ from 3.50% Sep 16, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6 Month IRA Certificate	3.69%	3.75%	6 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 12, 20263.75%▲ from 3.50% Sep 16, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
60 Month Certificate	3.15%	3.20%	60 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05% Oct 12, 20263.20%▲ from 3.05% Sep 16, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
60 Month IRA Certificate	3.15%	3.20%	60 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05% Oct 12, 20263.20%▲ from 3.05% Sep 16, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
48 Month Certificate	3.06%	3.10%	48 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.95% → 3.10% ▲ 0.15 pts · high 3.10% / low 2.95% Oct 12, 20263.10%▲ from 2.95% Sep 16, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
48 Month IRA Certificate	3.06%	3.10%	48 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.95% → 3.10% ▲ 0.15 pts · high 3.10% / low 2.95% Oct 12, 20263.10%▲ from 2.95% Sep 16, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
36 Month Certificate	2.96%	3.00%	36 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85% Oct 12, 20263.00%▲ from 2.85% Sep 16, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
36 Month IRA Certificate	2.96%	3.00%	36 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85% Oct 12, 20263.00%▲ from 2.85% Sep 16, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
30 Month Certificate	2.86%	2.90%	30 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75% Oct 12, 20262.90%▲ from 2.75% Sep 16, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
30 Month IRA Certificate	2.86%	2.90%	30 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75% Oct 12, 20262.90%▲ from 2.75% Sep 16, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24 Month Certificate	2.81%	2.85%	24 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.70% → 2.85% ▲ 0.15 pts · high 2.85% / low 2.70% Oct 12, 20262.85%▲ from 2.70% Sep 16, 20262.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24 Month IRA Certificate	2.81%	2.85%	24 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.70% → 2.85% ▲ 0.15 pts · high 2.85% / low 2.70% Oct 12, 20262.85%▲ from 2.70% Sep 16, 20262.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month Certificate	2.72%	2.75%	18 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Oct 12, 20262.75%▲ from 2.60% Sep 16, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
18 Month IRA Certificate	2.72%	2.75%	18 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Oct 12, 20262.75%▲ from 2.60% Sep 16, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
14 Month Certificate	2.62%	2.65%	14 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 12, 20262.65%▲ from 2.50% Sep 16, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
14 Month IRA Certificate	2.62%	2.65%	14 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 12, 20262.65%▲ from 2.50% Sep 16, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
3 Month Certificate	0.75%	0.75%	3 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
3 Month IRA Certificate	0.75%	0.75%	3 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Waterbury Connecticut Teachers Federal Credit Union Savings Rates

Product	Rate	APY
Head Start Savings	4.50%	4.60%
Min Balance $5 Details Balance: $0-$1000; Compounded Quarterly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Head Start Savings	4.50%	4.60%
Min Balance $0 Details Balance: $0-$1000; Compounded Quarterly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Club Accounts	0.10%	0.10%
Min Balance $5 Details Compounded Quarterly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Head Start Savings	0.10%	0.10%
Min Balance $5 Details Balance: Over $1000; Compounded Quarterly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Head Start Savings	0.10%	0.10%
Min Balance $1,000 Details Balance: Over $1000; Compounded Quarterly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Regular Share Account	0.10%	0.10%
Min Balance $5 Details Compounded Quarterly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Waterbury Connecticut Teachers Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.00%	1.00%
Min Deposit $500 Min Balance $50,000 Details Balance: $50000 +; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Money Market	0.85%	0.85%
Min Deposit $500 Min Balance $20,000 Details Balance: $20000-$49999; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Money Market	0.75%	0.75%
Min Deposit $500 Min Balance $10,000 Details Balance: $10000-$19999; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Money Market	0.65%	0.65%
Min Deposit $500 Min Balance $5,000 Details Balance: $5000-$9999; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Money Market	0.50%	0.50%
Min Deposit $500 Min Balance $2,500 Details Balance: $2500-$4999; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Money Market	0.35%	0.35%
Min Deposit $500 Min Balance $0 Details Balance: $0-$2499; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Waterbury Connecticut Teachers Federal Credit Union Checking Rates

Product	Rate	APY
A+ Checking	1.05%	1.05%
Min Balance $5 Details Balance: $0-$10,000; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
A+ Checking	1.05%	1.05%
Min Balance $0 Details Balance: $0-$10,000; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
A+ Checking	0.10%	0.10%
Min Balance $5 Details Balance: Over $10,000; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
A+ Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: Over $10,000; Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Regular Checking	0.05%	0.05%
Min Balance $5 Details Compounded Quarterly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
A+ Checking - Non-QUALIFYING Rate	0.03%	0.03%
Min Balance $5 Details Compounded Monthly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Waterbury Connecticut Teachers Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - 80% Loan To Value - 5 Years	-	-	6.00%	5 Years
Details up to $300,000; As Low As; 80% Loan to Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity Loan - 80% Loan To Value	-	-	6.00%	5 Years
Details up to $300,000; As Low As; 80% Loan To Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity - 80% Loan To Value - 10 Years	-	-	6.25%	10 Years
Details up to $300,000; As Low As; 80% Loan to Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity Loan - 80% Loan To Value	-	-	6.25%	10 Years
Details up to $300,000; As Low As; 80% Loan To Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity - 80% Loan To Value - 15 Years	-	-	6.49%	15 Years
Details up to $300,000; As Low As; 80% Loan to Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity Loan - 80% Loan To Value	-	-	6.49%	15 Years
Details up to $300,000; As Low As; 80% Loan To Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity Accelerator Loan	-	-	6.75%	8 Years
Details As Low As; 75% Loan to value up to $300,000 Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity - 90% Loan to Value	-	-	7.00%	5 Years
Details up to $300,000; As Low As; 90% Loan to Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity 90% Loan to Value - 5 Years	-	-	7.00%	5 Years
Details up to $300,000; As Low As; 90% Loan to Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity Accelerator Loan	-	-	7.00%	12 Years
Details As Low As; 75% Loan to value up to $300,000 Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity - 90% Loan to Value	-	-	7.25%	10 Years
Details up to $300,000; As Low As; 90% Loan to Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity 90% Loan to Value - 10 Years	-	-	7.25%	10 Years
Details up to $300,000; As Low As; 90% Loan to Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity Accelerator Loan	-	-	7.25%	15 Years
Details As Low As; 75% Loan to value up to $300,000 Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity - 90% Loan to Value	-	-	7.49%	15 Years
Details up to $300,000; As Low As; 90% Loan to Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Home Equity 90% Loan to Value - 15 Years	-	-	7.49%	15 Years
Details up to $300,000; As Low As; 90% Loan to Value up to $300,000; includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
No Equity Home Equity - 10 Years	-	-	8.75%	10 Years
Details As Low As; 100% Loan to value up to $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
No Equity Home Equity - 5 Years	-	-	8.75%	5 Years
Details As Low As; 100% Loan to value up to $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Waterbury Connecticut Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto New or Used 2021 - 2026 - 24 Months	-	-	4.65%	24 Months
Details As Low As; Includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.65% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Auto New or Used 2021 - 2026 - 36 Months	-	-	4.65%	36 Months
Details As Low As; Includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.65% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Auto New or Used 2021 - 2026 - 48 Months	-	-	4.65%	48 Months
Details As Low As; Includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.65% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Auto New or Used 2021 - 2026 - 66 Months	-	-	4.75%	66 Months
Details As Low As; Includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Auto New or Used 2021 - 2026 - 78 Months	-	-	5.25%	78 Months
Details As Low As; 2023 Models or Newer; Includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Auto - Used 2020 or Older - 24 Months	-	-	5.40%	24 Months
Details As Low As; Rates effective as of 3/1/2026; includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Auto - Used 2020 or Older - 36 Months	-	-	5.40%	36 Months
Details As Low As; Rates effective as of 3/1/2026; includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Auto - Used 2020 or Older - 48 Months	-	-	5.40%	48 Months
Details As Low As; Rates effective as of 3/1/2026; includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Auto - Used 2020 or Older - 66 Months	-	-	5.50%	66 Months
Details As Low As; Rates effective as of 3/1/2026; includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Auto New or Used 2021 - 2026 - 84 Months	-	-	5.95%	84 Months
Details As Low As; New Car Only; Includes .25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Waterbury Connecticut Teachers Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle 2021-2026 - 24 Months Loan	-	4.65%	24 Months
Details As Low As; Rates reflect a 0.25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2021-2026 - 36 Months Loan	-	4.65%	36 Months
Details As Low As; Rates reflect a 0.25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2021-2026 - 48 Months Loan	-	4.65%	48 Months
Details As Low As; Rates reflect a 0.25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2021-2026 - 66 Months Loan	-	4.75%	66 Months
Details As Low As; Rates reflect a 0.25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2021-2026 - 78 Months Loan	-	5.25%	78 Months
Details As Low As; 2023 Models or Newer; Rates reflect a 0.25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2020 or Older - 24 Months Loan	-	5.40%	24 Months
Details As Low As; Includes 0.25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2020 or Older - 36 Months Loan	-	5.40%	36 Months
Details As Low As; Includes 0.25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2020 or Older - 48 Months Loan	-	5.40%	48 Months
Details As Low As; Includes 0.25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2020 or Older Loan	-	5.40%	24 Months
Details As Low As; Includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2020 or Older - 66 Months Loan	-	5.50%	66 Months
Details As Low As; Includes 0.25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2020 or Older Loan	-	5.50%	66 Months
Details As Low As; Includes .25% discount for automatic payment Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Motorcycle 2021-2026 - 84 Months Loan	-	5.95%	84 Months
Details As Low As; New Motorcycle Only; Rates reflect a 0.25% discount with automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Boat, RV, or Travel Trailer - 24 Months Loan	-	7.01%	24 Months
Details As Low As; Includes .25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Boat, RV, or Travel Trailer - 48 Months Loan	-	7.01%	48 Months
Details As Low As; Includes .25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Boat, RV, or Travel Trailer - 60 Months Loan	-	7.01%	60 Months
Details As Low As; Includes .25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Boat, RV, or Travel Trailer - 72 Months Loan	-	8.01%	72 Months
Details As Low As; 2022 & Newer; Includes .25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Boat, RV, or Travel Trailer - 84 Months Loan	-	9.01%	84 Months
Details As Low As; 2023 & Newer; Includes .25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Boat, RV, or Travel Trailer - 120 Months Loan	-	10.01%	120 Months
Details As Low As; New only; Includes .25% discount for automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Waterbury Connecticut Teachers Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Gold Credit Card	-	8.00%
Details As Low As; Fixed Rate. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
VISA Platinum Credit Card	-	8.50%
Details As Low As; Fixed Rate. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
VISA Cashback Credit Card	-	9.00%
Details As Low As; Fixed Rate. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
VISA Student Credit Card	-	9.90%
Details As Low As; Fixed Rate. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Waterbury Connecticut Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan	8.24%	Up to 72 Months
Details As Low As; Rate reflects a discount of .25% if Member agrees to pay by automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Unsecured Personal Loan	8.24%	Up to 72 Months
Details As Low As; Personal loan; rate reflects a discount of .25% if Member agrees to pay by automatic payroll deduction, direct deposit or automatic transfer from shares Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Personal Line of Credit	8.49%	Revolving
Details As Low As; APR is for a revolving unsecured line Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Unsecured Personal Line of Credit	8.49%	Revolving
Details As Low As; Revolving Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Waterbury Connecticut Teachers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
FLEX Loan	-	-	6.95%
Details Borrow up to $5,000.00 for a term of one year. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Regular IRA Shares	0.10%	-	0.10%
Min Balance $10 Details Compounded Quarterly Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 12 Month Certificate	3.93%	-	4.00%	12 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 14 Month Certificate	2.62%	-	2.65%	14 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 18 Month Certificate	2.72%	-	2.75%	18 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 24 Month Certificate	2.81%	-	2.85%	24 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 3 Month Certificate	0.75%	-	0.75%	3 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 30 Month Certificate	2.86%	-	2.90%	30 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 36 Month Certificate	2.96%	-	3.00%	36 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 48 Month Certificate	3.06%	-	3.10%	48 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 6 Month Certificate	3.69%	-	3.75%	6 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 60 Month Certificate	3.15%	-	3.20%	60 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth IRA Certificates - 9 Month Certificate	3.78%	-	3.85%	9 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 12 Month Certificate	3.93%	-	4.00%	12 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 14 Month Certificate	2.62%	-	2.65%	14 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 18 Month Certificate	2.72%	-	2.75%	18 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 24 Month Certificate	2.81%	-	2.85%	24 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 3 Month Certificate	0.75%	-	0.75%	3 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 30 Month Certificate	2.86%	-	2.90%	30 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 36 Month Certificate	2.96%	-	3.00%	36 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 48 Month Certificate	3.06%	-	3.10%	48 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 6 Month Certificate	3.69%	-	3.75%	6 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 60 Month Certificate	3.15%	-	3.20%	60 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Roth Share Certificate - 9 Month Certificate	3.78%	-	3.85%	9 months
Min Deposit $500 Min Balance $500 Details Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

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

Waterbury Connecticut Teachers Federal Credit Union’s Texas Ratio stayed near 0.98% in Q3 2023 to 0.99% in Q2 2026, so its financial health has stayed 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	$365M	0.99%	5.0	A+
March 31, 2026	$361M	0.99%	5.0	A+
December 31, 2025	$354M	1.32%	5.0	A+
September 30, 2025	$351M	0.90%	5.0	A+
June 30, 2025	$356M	0.91%	5.0	A+
March 31, 2025	$348M	1.30%	5.0	A+
December 31, 2024	$336M	1.55%	5.0	A+
September 30, 2024	$330M	1.08%	5.0	A+
June 30, 2024	$337M	1.00%	5.0	A+
March 31, 2024	$324M	1.47%	5.0	A+
December 31, 2023	$318M	1.32%	5.0	A+
September 30, 2023	$313M	0.98%	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 Waterbury Connecticut 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 Waterbury Connecticut 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 Waterbury Connecticut Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Waterbury Connecticut Teachers Federal Credit Union

Website https://www.wctfcu.com

Address 773 Straits Tpke, Middlebury, CT 06762-2852

Phone 203-758-9500

Fax 203-758-8514

President Peter McCasland

CEO Martin Misset

Full-Time Employees 32

Part-Time Employees 0

Branch Locations 2

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

0.99%

Return on Assets (ROA)

0.8094%

Return on Equity (ROE)

4.7436%

Non-Performing Loans Ratio (NPL)

0.26%

Total Assets

365,203,145

Total Amount of Shares and Deposits

300,676,428

Total Shares and Deposits < 1 Year

295,788,868

Total Shares and Deposits 1 3 Years

3,404,941

Total Shares and Deposits > 3 Years

1,482,619

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

24,987,653

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

24,987,653

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

275,688,775

Total Interest Expense (Sum of items 6 8)

2,730,398

Share Certificates

4,682

Number of Accounts for Share Drafts

12,372

IRA KEOGH Accounts

1,307

Number of Accounts for Regular Shares

23,276

Money Market Shares

1,465

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)

22,565,115

Total Liabilities

304,328,124

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Waterbury Connecticut Teachers Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Waterbury Connecticut Teachers Federal Credit Union

How many branches does Waterbury Connecticut Teachers Federal Credit Union operate?

Waterbury Connecticut 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 Waterbury Connecticut Teachers Federal Credit Union?

Yes, to access services at Waterbury Connecticut 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, Waterbury Connecticut 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, Waterbury Connecticut Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Waterbury Connecticut Teachers Federal Credit Union offer online and mobile banking?

Most modern institutions like Waterbury Connecticut 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://www.wctfcu.com.

Current Waterbury Connecticut Teachers Federal Credit Union Rates

12-Month CD4.00%
18-Month CD2.75%
24-Month CD2.85%
60-Month CD3.20%
Savings4.60%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Waterbury Connecticut Teachers Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Waterbury Connecticut Teachers Federal Credit Union Texas Ratio

Waterbury Connecticut Teachers Federal Credit Union Health Trend

Waterbury Connecticut Teachers Federal Credit Union CD Rates

Waterbury Connecticut Teachers Federal Credit Union Savings Rates

Waterbury Connecticut Teachers Federal Credit Union Money Market Rates

Waterbury Connecticut Teachers Federal Credit Union Checking Rates

Waterbury Connecticut Teachers Federal Credit Union Home Equity & HELOC

Waterbury Connecticut Teachers Federal Credit Union Auto Loan Rates

Waterbury Connecticut Teachers Federal Credit Union RV, Boat and Powersport Loan Rates

Waterbury Connecticut Teachers Federal Credit Union Credit Card Rates

Waterbury Connecticut Teachers Federal Credit Union Personal Loan Rates

Waterbury Connecticut Teachers Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Waterbury Connecticut Teachers Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Waterbury Connecticut Teachers Federal Credit Union

How many branches does Waterbury Connecticut Teachers Federal Credit Union operate?

Is a member application needed to join Waterbury Connecticut Teachers Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Waterbury Connecticut Teachers Federal Credit Union offer online and mobile banking?

Current Waterbury Connecticut Teachers Federal Credit Union Rates

Compare to Other Credit Unions