Credit union · NCUA insured
Waterbury CT Teachers Federal Credit Union
A $360.9M credit union headquartered in Middlebury, CT, with 22,061 members and 2 branches in Connecticut. Best rates: savings 0.75% APY.
Waterbury CT Teachers Federal Credit Union Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#8 of 38 in Bridgeport, CT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Waterbury CT Teachers Federal Credit Union
Waterbury CT Teachers Federal Credit Union has served 28 Connecticut towns across Fairfield, Litchfield, and New Haven counties since 1934.
- Headquarters
- 773 Straits Tpke, Middlebury, CT 06762-2852
- NCUA charter
- 22
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Teachers, administrators, and other school personnel paid directly by the Board of Education in eligible towns/districts qualify for membership.
- Personnel from any public school or approved private or parochial school or university located within the eligible towns qualify for membership.
Family and household
- Immediate family members of existing WCTFCU members qualify for membership.
Cost to join
- A minimum deposit of $5.00 into a new Savings Account is required to join.
Branches
2 branches in Connecticut
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Connecticut
2 branches
Waterbury area · 1
- Middlebury - MainMain office773 Straits Tpke, Middlebury, CT 06762Directions
Bridgeport area · 1
- Danbury Branch110 Federal Rd, Danbury, CT 06811Directions
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 | 17.05% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.26% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.64% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio17.05%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.26%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.64%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ 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 Waterbury CT 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.