Credit union · NCUA insured
FD Community Federal Credit Union Savings Rates
Top CarrotFD Community Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Tiered Money Market Account. Rates checked October 22, 2026.
How FD Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Waterbury, CT, where FD Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FD Community Federal Credit Union
0.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $75
Tiered Money Market Account
Top rate
Nutmeg State Financial Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Torrington Savings Bank
3.79%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $379
FD Community Federal Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where FD Community Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Tiered Money Market Account
0.75%APY
Minimum average balance of $2,500.00 to earn dividends. Dividends are paid and compounded quarterly. Tiered rate account where the dividend rate and APY for a met balance range apply to the full balance of the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Minimum average balance of $2,500.00 to earn dividend. Dividends paid and compounded quarterly. | 0.75% | $75 | Minimum average balance of $2,500.00 to earn dividend. Dividends paid and compounded quarterly. |
| $10,001 – $75,000Minimum average balance of $2,500.00 to earn dividend. Dividends paid and compounded quarterly. | 1.00% | — | Minimum average balance of $2,500.00 to earn dividend. Dividends paid and compounded quarterly. |
| $75,001 and upMinimum average balance of $2,500.00 to earn dividend. Dividends paid and compounded quarterly. | 2.00% | — | Minimum average balance of $2,500.00 to earn dividend. Dividends paid and compounded quarterly. |
Sources (2)
- fdcommunityfcu.org/Accounts/Sa…red-Money-Market-Account
- fdcommunityfcu.org/Accounts/Savings/Payment-of-Dividends
All captured Oct 15, 2026
Share Savings Account
0.10%APY
Open account with as little as $25. Dividends paid and compounded quarterly. Dividends calculate on average daily balance method. Up to 6 preauthorized/automatic transfers per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid & compounded qtrly.Any balance | 0.10% | $10 | Dividends paid & compounded qtrly. |
Special-purpose accounts
Club Accounts
0.10%APY
Dividends paid and compounded quarterly. Up to 6 preauthorized/automatic transfers per month. Dividends calculate on average daily balance method. Includes Vacation Share and Holiday Share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid & compounded qtrly.Any balance | 0.10% | $10 | Dividends paid & compounded qtrly. |
IRA Regular Share
0.10%APY
Dividends paid and compounded quarterly. Dividends calculate on average daily balance method. Traditional and Roth IRA options available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid & compounded qtrly.Any balance | 0.10% | $10 | Dividends paid & compounded qtrly. |
Who can join FD Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.