Credit union · NCUA insured
Waterbury CT Teachers Federal Credit Union Auto Loan Rates
Waterbury CT Teachers Federal Credit Union auto loans start at 5.95% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Waterbury CT Teachers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bridgeport, CT, where Waterbury CT Teachers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Waterbury CT Teachers Federal Credit Union
5.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Auto New or Used 2021 - 2026
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Albright Credit Union
4.44%APR
- Terms
- up to 60 months
- Discount
- None included
Waterbury CT Teachers Federal Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.95%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Waterbury CT Teachers Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto - Used 2020 or Older
Interest rates are determined by the borrower's credit history. Stated rates are the lowest rates offered. Other rates and terms are available. Above rates reflect a discount of .25% if Member agrees to pay by automatic payroll deduction, direct deposit or automatic transfer from shares. Available to qualified, eligible Members.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.40% | Monthly repayment of $44.05 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 36 months | 5.40% | Monthly repayment of $30.15 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 48 months | 5.40% | Monthly repayment of $23.21 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 66 months | 5.50% | Monthly repayment of $17.60 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
Sources (1)
- wctfcu.com/about-us/rates · captured Oct 22, 2026
Auto New or Used 2021 - 2026
Interest rates are determined by the borrower's credit history. Stated rates are the lowest rates offered. Other rates and terms are available. Above rates reflect a discount of .25% if Member agrees to pay by automatic payroll deduction, direct deposit or automatic transfer from shares. Available to qualified, eligible Members.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.65% | Monthly repayment of $43.71 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 36 months | 4.65% | Monthly repayment of $29.82 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 48 months | 4.65% | Monthly repayment of $22.87 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 66 months | 4.75% | Monthly repayment of $17.25 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 78 months | 5.25% | 2023 Models or Newer. Monthly repayment of $15.16 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 84 months | 5.95% | New Car Only. Monthly repayment of $14.59 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
Sources (1)
- wctfcu.com/about-us/rates · captured Oct 22, 2026
Motorcycle 2020 or Older
Interest rates are determined by the borrower's credit history. Stated rates are the lowest rates offered. Other rates and terms are available. Above rates reflect a discount of .25% if Member agrees to pay by automatic payroll deduction, direct deposit or automatic transfer from shares. Available to qualified, eligible Members.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.40% | Monthly repayment of $44.05 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 36 months | 5.40% | Monthly repayment of $30.15 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 48 months | 5.40% | Monthly repayment of $23.21 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 66 months | 5.50% | Monthly repayment of $17.60 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
Sources (1)
- wctfcu.com/about-us/rates · captured Oct 22, 2026
Motorcycle 2021-2026
Interest rates are determined by the borrower's credit history. Stated rates are the lowest rates offered. Other rates and terms are available. Above rates reflect a discount of .25% if Member agrees to pay by automatic payroll deduction, direct deposit or automatic transfer from shares. Available to qualified, eligible Members.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.65% | Monthly repayment of $43.71 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 36 months | 4.65% | Monthly repayment of $29.82 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 48 months | 4.65% | Monthly repayment of $22.87 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 66 months | 4.75% | Monthly repayment of $17.25 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 78 months | 5.25% | 2023 Models or Newer. Monthly repayment of $15.16 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
| up to 84 months | 5.95% | New Motorcycle Only. Monthly repayment of $14.59 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares. |
Sources (1)
- wctfcu.com/about-us/rates · captured Oct 22, 2026
Who can join Waterbury CT Teachers Federal Credit Union
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.
Membership information collected October 4, 2026.