Credit union · NCUA insured
Tobacco Valley Teachers Federal Credit Union
Top CarrotA $71.3M credit union headquartered in Enfield, CT, with 3,194 members and 1 branch in Connecticut. Best rates: CDs 3.75% and savings 1.50% APY.
Tobacco Valley Teachers Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#8 of 41 in Hartford, CT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tobacco Valley Teachers Federal Credit Union
Established in 1936 in Enfield, Connecticut, Tobacco Valley Teachers Federal Credit Union is a not-for-profit, member-owned financial co-operative.
Originally called North Central Connecticut School Employees Federal Credit Union, it adopted its current name a year after 1962.
The credit union serves Board of Education employees and their families across Enfield, East Windsor, Windsor Locks, Windsor, Somers, and Suffield in Connecticut's Tobacco Valley.
- Headquarters
- 182 South Rd, Enfield, CT 06082-4454
- NCUA charter
- 1077
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Community Health Resources are eligible for membership.
Military, government and schools
- Employees, commissioners, and volunteers of the Enfield Fire Department are eligible for membership.
- All public and non-public school employees who work in the towns of Enfield, East Windsor, Windsor, Windsor Locks, Suffield and Somers, Connecticut are eligible for membership.
- Enfield High School students are eligible for membership.
Family and household
- Immediate family or household members of existing members are eligible for membership.
- Spouses of persons who passed away while within the field of membership of this credit union are eligible for membership.
1 more way to join
Other ways
- Persons retired as pensioners or annuitants from eligible employment are eligible for membership.
Cost to join
- A $25 deposit is required to open a Savings Account and join TVTFCU.
Branches
1 branch in Connecticut
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Connecticut
1 branch
- Tobacco Valley Teachers FCUMain office182 South Rd, Enfield, CT 06082Directions
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 | 9.49% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.99% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.41% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $24 | $59 | — |
- CapitalNet worth ratio9.49%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.99%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.41%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$24Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Tobacco Valley Teachers 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.