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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 FD Community Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
FD Community Federal Credit Union's 6 Month CD Only rates are at 4.00%, 9 Month CD Only rates are at 3.50%. FD Community Federal Credit Union's money market rates are at 0.50%. FD Community Federal Credit Union's Personal Loan Rates are at 4.50%. MonitorBankRates evaluates the financial stability of FD Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.67%. Rates were last updated on 04/11/2026. FD Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FD Community Federal Credit Union? Share your experience about FD Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use FD Community Federal Credit Union. FD Community Federal Credit Union
Watertown Avenue 601 Watertown Ave
https://www.fdcommunityfcu.org Waterbury, CT 06708 
FD Community Federal Credit Union CD Rates
FD Community Federal Credit Union Savings Rates
FD Community Federal Credit Union Money Market Rates
FD Community Federal Credit Union Checking Rates
FD Community Federal Credit Union Auto Loan Rates
FD Community Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FD Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather FD Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with FD Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FD Community Federal Credit Union
Website
https://www.fdcommunityfcu.org
Address
601 Watertown Ave,
Waterbury, CT 06708
Phone
203-753-9201
Fax
203-756-6886
President
Joseph DelBuono
CEO
Michael DOrlando
Full-Time Employees
26
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.67%
Return on Assets (ROA)
0.5738%
Return on Equity (ROE)
5.1317%
Non-Performing Loans Ratio (NPL)
1.13%
Total Assets
153,412,037
Total Amount of Shares and Deposits
135,104,068
Total Shares and Deposits < 1 Year
132,286,626
Total Shares and Deposits 1 3 Years
2,088,226
Total Shares and Deposits > 3 Years
729,216
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,289,290
Total Uninsured Shares and Deposits > $250K (F+J)
14,289,290
Total Insured Shares and Deposits > $250K (item 17 less item K)
120,814,778
Total Interest Expense (Sum of items 6 8)
968,027
Share Certificates
876
Number of Accounts for Share Drafts
8,123
IRA KEOGH Accounts
330
Number of Accounts for Regular Shares
13,695
All other shares
29
Money Market Shares
255
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,889,681
Total Liabilities
136,291,106
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About FD Community Federal Credit UnionIs FD Community Federal Credit Union a safe place to deposit money?Yes, FD Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.6688450522409%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does FD Community Federal Credit Union operate?FD Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join FD Community Federal Credit Union?Yes, to access services at FD Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, FD Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, FD Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does FD Community Federal Credit Union offer online and mobile banking?Most modern institutions like FD Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fdcommunityfcu.org. Current FD Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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