Credit union · NCUA insured
Torrington Federal Credit Union
A $91M credit union headquartered in Torrington, CT, with 10,858 members and 2 branches in Connecticut. Best rates: savings 0.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings822.02%at $100,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Torrington Federal Credit Union
Torrington Municipal and Teachers Federal Credit Union is a member-owned not-for-profit financial cooperative serving Litchfield County.
- Headquarters
- 777 E Main St, Torrington, CT 06790-3915
- NCUA charter
- 14003
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or goes to school in Litchfield County.
Employers and groups
- All businesses are eligible for membership and can offer membership as a benefit to their employees.
Branches
2 branches in Connecticut
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Connecticut
2 branches
- Main OfficeMain office777 E Main St, Torrington, CT 06790Directions
- Winsted Branch19 Rowley St, Winsted, CT 06098Directions
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 | 9.37% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.14% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.04% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $41 | $59 | — |
- CapitalNet worth ratio9.37%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.14%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.04%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$41Peers’ 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 Torrington 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.