Credit union · NCUA insured
Waterbury CT Teachers Federal Credit Union Savings Rates
Waterbury CT Teachers Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Waterbury CT Teachers Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Bridgeport, CT, where Waterbury CT Teachers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Waterbury CT Teachers Federal Credit Union
0.75%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $75
Money Market Account
Top rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nutmeg State Financial Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Waterbury CT Teachers Federal Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.00%
- 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 Waterbury CT Teachers 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.
Money Market Account
0.75%APY
Minimum deposit to open is $500. Minimum balance to earn APY is $500. Rates are tiered and based on average monthly balance. Dividends are compounded and paid monthly. Withdrawals have a minimum of $500 and can be made at any time without a fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Compounded and paid monthly. Minimum balance to earn APY is $500. | 0.35% | — | Compounded and paid monthly. Minimum balance to earn APY is $500. |
| $2,500 – $4,999Compounded and paid monthly. Minimum balance to earn APY is $500. | 0.50% | — | Compounded and paid monthly. Minimum balance to earn APY is $500. |
| $5,000 – $9,999Compounded and paid monthly. Minimum balance to earn APY is $500. | 0.65% | — | Compounded and paid monthly. Minimum balance to earn APY is $500. |
| $10,000 – $19,999Compounded and paid monthly. Minimum balance to earn APY is $500. | 0.75% | $75 | Compounded and paid monthly. Minimum balance to earn APY is $500. |
| $20,000 – $49,999Compounded and paid monthly. Minimum balance to earn APY is $500. | 0.85% | — | Compounded and paid monthly. Minimum balance to earn APY is $500. |
| $50,000 and upCompounded and paid monthly. Minimum balance to earn APY is $500. | 1.00% | — | Compounded and paid monthly. Minimum balance to earn APY is $500. |
Regular Share Account
0.10%APY
Establishes membership with the Credit Union; must be opened prior to applying for credit union products and services. For ages 18 and older. Limit one Regular prime share savings account per member. Compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompounded quarterly. Minimum balance to earn APY is $5.00.$5 and up | 0.10% | $10 | Compounded quarterly. Minimum balance to earn APY is $5.00. |
Sources (3)
- wctfcu.com/accounts/accounts/young-adult-accounts
- wctfcu.com/accounts/accounts/savings
- wctfcu.com/about-us/rates
All captured Oct 15, 2026
Special-purpose accounts
Head Start Savings
0.10%APY
For children through age 17. A joint owner is required on minor accounts. Limit one Head Start Savings account per member. When a member turns 18, the entire account will earn the regular savings rate. Compounded quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Compounded quarterly. Minimum balance to earn APY is $5. Tier applies to balances $0 to $1,000. | 4.60% | — | Compounded quarterly. Minimum balance to earn APY is $5. Tier applies to balances $0 to $1,000. |
| $1,000 and upCompounded quarterly. Funds over $1,000 earn the regular savings rate. | 0.10% | $10 | Compounded quarterly. Funds over $1,000 earn the regular savings rate. |
Sources (3)
- wctfcu.com/accounts/accounts/young-adult-accounts
- wctfcu.com/accounts/accounts/savings
- wctfcu.com/about-us/rates
All captured Oct 15, 2026
Club Accounts
0.10%APY
Can make direct deposits or transfer funds from share savings account on a regular basis. Includes Vacation Club, Summer Check Club, and Holiday Club. Compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompounded quarterly. Minimum balance to earn APY is $5. Pays dividends at the Regular Share Rate. Holiday Club funds paid out in October.$5 and up | 0.10% | $10 | Compounded quarterly. Minimum balance to earn APY is $5. Pays dividends at the Regular Share Rate. Holiday Club funds paid out in October. |
Regular IRA Shares
0.10%APY
Individual Retirement Account share savings (Roth IRA and Traditional IRA). Compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upCompounded quarterly. Minimum balance to earn Annual Percentage Yield on IRA Share Accounts is $10. May be opened at any time with a deposit of $10 or more.$10 and up | 0.10% | $10 | Compounded quarterly. Minimum balance to earn Annual Percentage Yield on IRA Share Accounts is $10. May be opened at any time with a deposit of $10 or more. |
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.