Credit union · NCUA insured
Torrington Federal Credit Union Savings Rates
Torrington Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Torrington Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Torrington, CT, where Torrington Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Torrington Federal Credit Union
0.75%APY
- Minimum
- $1,000.01
- Earns on $10,000 a year
- $75
Money Market
Top rate
Torrington Savings Bank
3.79%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $379
3rd-highest rate
Northwest Community Bank
0.75%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
Torrington Federal Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0002.02%
- 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 Torrington 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.
Advanced Money Market
2.02%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $75,000 | 2.02% | — |
Money Market Plus
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $25,000 | 1.00% | — |
Money Market
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $1,000 | 0.75% | $75 |
Share Savings
0.05%APY
Establishes membership with the credit union. Dividends are declared and paid quarterly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $999,999Dividends are declared and paid at the end of each quarter and calculated on an average daily balance.$100 – $999,999 | 0.05% | $5 | Dividends are declared and paid at the end of each quarter and calculated on an average daily balance. |
Unexpected Expense Account
0.05%APY
Dividends are declared and paid quarterly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Maximum balance of $5,000.00. Dividends are declared and paid at the end of each quarter and calculated on an average daily balance.Up to $5,000 | 0.05% | — | Maximum balance of $5,000.00. Dividends are declared and paid at the end of each quarter and calculated on an average daily balance. |
Sources (1)
- tmtfcu.org/rates.php · captured Sep 19, 2026
Special-purpose accounts
Rising STAR Savings
5.00%APY
For children under age 21 with a social security number. Dividends are declared and paid quarterly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Under age 21; maximum balance of $1,000.00. Dividends are declared and paid at the end of each quarter and calculated on an average daily balance.Up to $1,000 | 5.00% | — | Under age 21; maximum balance of $1,000.00. Dividends are declared and paid at the end of each quarter and calculated on an average daily balance. |
HSA Accounts
0.05%APY
Health Savings Account for out-of-pocket health care costs. Dividends are declared and paid quarterly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $999,999Dividends are declared and paid at the end of each quarter and calculated on an average daily balance.$100 – $999,999 | 0.05% | $5 | Dividends are declared and paid at the end of each quarter and calculated on an average daily balance. |
Holiday Club Accounts
0.05%APY
Funds are transferred to share savings account in mid-October. Dividends are declared and paid quarterly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds transferred to share savings in mid-October. Dividends are declared and paid at the end of each quarter and calculated on an average daily balance.Any balance | 0.05% | $5 | Funds transferred to share savings in mid-October. Dividends are declared and paid at the end of each quarter and calculated on an average daily balance. |
IRA
0.05%APY
Offers Traditional and Roth IRAs as share accounts. Dividends are declared and paid quarterly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $999,999Dividends are declared and paid at the end of each quarter and calculated on an average daily balance.$100 – $999,999 | 0.05% | $5 | Dividends are declared and paid at the end of each quarter and calculated on an average daily balance. |
Who can join Torrington Federal Credit Union
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.
Membership information collected October 4, 2026.