Compare Bank & Credit Union Rates
Best savings rates in Waterbury, CT
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Waterbury, CT
- Liberty BankMoney Market SpecialMoney Market Special · $25 min · 2.00%–3.00% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Minimum to open is $25. Minimum daily balance to earn APY is $0.01. If the account owner is under the age of 18, the account must be a joint with a parent or guardian. Avoid $2 monthly paper statement fee with eStatements (account holders age 65 or over are exempt). Rate is variable and subject to change at any time. Must visit a branch to open.
1.98% interest rate · Effective Jan 5, 2026
Rate by balance
Rate by balance for Money Market Special Balance APY Up to $50,000Your amount 2.00% $50,000 – $100,000 2.25% $100,000 – $250,000 2.75% $250,000 and up 3.00% Rate checked
More details - Police Credit Union of CTMoney MarketMoney Market · $0 min · 1.66%–2.17% by balance
Credit union · 1 branch
1.66%APY$166 a year on $10,0001.65% interest rate · Effective Dec 18, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $20,000Your amount 1.66% $20,001 – $50,000 1.92% $50,000 and up 2.17% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Planning for Cash Emergencies. For unexpected life events (job loss, medical emergencies, home/auto repairs). $5.00 minimum deposit in Share Savings required for membership. $50.00 fee applies to withdrawals used for non-qualifying purposes or lacking required documentation.
Offer: A minimum daily balance of $100.00 is required to earn the advertised APY and avoid a monthly service fee. Variable rate.
1.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Baby On Board. Prepare for new arrival and set aside funds for big purchases or appointments. $5.00 minimum deposit in Share Savings required for membership. $50.00 fee applies to withdrawals used for non-qualifying purposes or lacking required documentation.
Offer: A minimum daily balance of $100.00 is required to earn the advertised APY and avoid a monthly service fee. Variable rate.
1.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Home Energy Liquidity Plan. Assists with expenses related to home energy efficiency & improvements. $5.00 minimum deposit in Share Savings required for membership. $50.00 fee applies to withdrawals used for non-qualifying purposes or lacking required documentation.
Offer: A minimum daily balance of $100.00 is required to earn the advertised APY and avoid a monthly service fee. Variable rate.
1.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Home Ownership Made Easier. Save for costs associated with purchasing a home. $5.00 minimum deposit in Share Savings required for membership. $50.00 fee applies to withdrawals used for non-qualifying purposes or lacking required documentation.
Offer: A minimum daily balance of $100.00 is required to earn the advertised APY and avoid a monthly service fee. Variable rate.
1.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - FD Community Federal Credit UnionTiered Money Market AccountTiered Money Market Account · $2,500 min · 0.75%–2.00% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Minimum average balance of $2,500.00 to earn dividends. Dividends are paid and compounded quarterly. Tiered rate account where the dividend rate and APY for a met balance range apply to the full balance of the account.
Offer: Minimum average balance of $2,500.00 to earn dividend. Dividends paid and compounded quarterly.
Compounded quarterly
Rate by balance
Rate by balance for Tiered Money Market Account Balance APY $2,500 – $10,000Your amount 0.75% $10,001 – $75,000 1.00% $75,001 and up 2.00% Rate checked
More details - America's First Network Credit UnionMoney MarketMoney Market · 0.35%–1.01% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Fees may reduce the earnings on the account.
Offer: Balance requirement: Over $100,000. Fees may reduce the earnings on the account.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Any balance 1.01% $1,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.50% $25,000 – $100,000 0.70% Rate checked
More details - Skyline Financial Federal Credit UnionConsumer Money MarketConsumer Money Market · $0 min · 0.00%–2.79% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Minimum to qualify for money market dividend is $5,000.00. Maximum for money market dividend is $499,999.99. All funds on deposit in money market account over $500,000 will receive a dividend rate of 0.000% dividend. Dividends on money market accounts may be repriced at any time, without notice. Dividend calculation is based on average daily balance.
0.00% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Consumer Money Market Balance APY Up to $5,000 0.00%* $5,000 – $25,000Your amount 0.50%* $25,000 – $75,000 0.60%* $75,000 – $100,000 0.70%* $100,000 – $500,000 2.79%* $500,000 and up 0.00%* Rate checked
More details - Ion BankMoney Market AccountMoney Market Account · $1,000 min · 0.05%–1.15% by balance
Bank · 2 branches
0.40%APY$40 a year on $10,0000.05% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 0.40% $100,000 – $250,000 0.65% $250,000 and up 1.15% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Offer: Tier I
0.05% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amountTier II 0.35% $100,000 and upTier III 0.80% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Fees may reduce the earnings on the account.
Offer: Balance requirement: Under $1,000. Fees may reduce the earnings on the account.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
0.15% interest rate · Effective Dec 18, 2025
Rate checked
More details - Greater Waterbury Healthcare Federal Credit UnionSavings AccountsSavings · $50 min
Credit union · 1 branch
0.11%APY$11 a year on $10,000Requirements
Offer: Rates as of 7/16/2026.
0.10% interest rate · Effective Jul 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Waterbury, CT
37 accounts at 12 banks and credit unions · checked Oct 16–22
- Typical
- 0.05%
- Top 10% from
- 1.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Waterbury, CT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MSCUCredit union · 3 branches
- Police Credit Union of CTCredit union · 1 branch
- CSE Credit UnionCredit union · 1 branch