Credit union · NCUA insured
FD Community Federal Credit Union
Top CarrotA $159.9M credit union headquartered in Waterbury, CT, with 13,506 members and 3 branches in Connecticut. Best rates: CDs 4.25% and savings 0.75% APY.
FD Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 83% of U.S. banks and credit unions
#5 of 24 in Waterbury, CT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About FD Community Federal Credit Union
- Headquarters
- 601 Watertown Ave, Waterbury, CT 06708
- NCUA charter
- 42
Branches
3 branches in Connecticut
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Connecticut
3 branches
- Watertown AvenueMain office601 Watertown Ave, Waterbury, CT 06708Directions
- Meriden Rd281 Meriden Rd, Waterbury, CT 06705Directions
- Woodruff Ave48 Woodruff Ave, Watertown, CT 06795Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.12% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.89% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.72% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio11.12%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.89%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of FD Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.