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WATERBURY POSTAL EMPLOYEES

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WATERBURY POSTAL EMPLOYEES Rates & Review September 2026

Q: Is a member application needed to join WATERBURY POSTAL EMPLOYEES?

Yes, to access services at WATERBURY POSTAL EMPLOYEES, 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, WATERBURY POSTAL EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

WATERBURY POSTAL EMPLOYEES's Personal Loan Rates are at 8.49%. MonitorBankRates evaluates the financial stability of WATERBURY POSTAL EMPLOYEES with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.45%. Rates last updated and verified on 09/03/2026.

WATERBURY POSTAL EMPLOYEES 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 WATERBURY POSTAL EMPLOYEES? Share your experience about WATERBURY POSTAL EMPLOYEES by leaving a review below, or read customer reviews before you decide to use WATERBURY POSTAL EMPLOYEES.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.45%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

WATERBURY POSTAL EMPLOYEES
WATERBURY POSTAL EMPLOYEES FCU

135 Grand St Rm 209
WATERBURY, CT 06702-9992

https://www.waterburypostalfcu.org

WATERBURY POSTAL EMPLOYEES Savings Rates

Product	Rate	APY
Club Accounts	0.10%	0.10%
Details Compounded Quarterly Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Regular Share Account	0.10%	0.10%
Details Compounded Quarterly Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

WATERBURY POSTAL EMPLOYEES Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity Loan	5.75%	-	5.75%	5 Years
Details No application fee. No appraisal fee, based on closing. No closing costs. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Fixed Home Equity Loan	6.25%	-	6.25%	10 Years
Details No application fee. No appraisal fee, based on closing. No closing costs. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Fixed Home Equity Loan	6.85%	-	6.85%	15 Years
Details No application fee. No appraisal fee, based on closing. No closing costs. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

WATERBURY POSTAL EMPLOYEES Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Vehicle Loan	-	-	4.75%	6 Years
Details New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New & Used Vehicle Loan	-	-	5.49%	6 Years
Details New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New & Used Vehicle Loan	-	-	5.99%	7 Years
Details New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New & Used Vehicle Loan	-	-	6.25%	8 Years
Details New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

WATERBURY POSTAL EMPLOYEES Personal Loan Rates

Product	APR	Term
Unsecured - Personal Loan	8.49%	1-3 Years
Details Annual % Rate (APR) as low as Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Unsecured - Personal Loan	8.99%	4 Years
Details Annual % Rate (APR) as low as Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Unsecured - Personal Loan	9.25%	5 Years
Details Annual % Rate (APR) as low as Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Unsecured - Personal Loan	9.49%	6 Years
Details Annual % Rate (APR) as low as Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

WATERBURY POSTAL EMPLOYEES’s Texas Ratio rose from 2.67% in Q2 2023 to 5.45% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$11M	5.45%	5.0	A+
December 31, 2025	$11M	6.50%	5.0	A
September 30, 2025	$11M	3.88%	5.0	A+
June 30, 2025	$11M	5.45%	5.0	A+
March 31, 2025	$12M	4.38%	5.0	A+
December 31, 2024	$12M	3.92%	5.0	A+
September 30, 2024	$12M	5.49%	5.0	A+
June 30, 2024	$12M	5.97%	5.0	A+
March 31, 2024	$12M	4.28%	5.0	A+
December 31, 2023	$12M	4.08%	5.0	A+
September 30, 2023	$13M	3.83%	5.0	A+
June 30, 2023	$12M	2.67%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for WATERBURY POSTAL EMPLOYEES 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 WATERBURY POSTAL EMPLOYEES 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 WATERBURY POSTAL EMPLOYEES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name WATERBURY POSTAL EMPLOYEES

Website https://www.waterburypostalfcu.org

Address 135 Grand St Rm 209, WATERBURY, CT 06702-9992

Phone 203-756-2891

Fax 203-759-7147

President JOHN CETTA

CEO JOHN BROWN

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.45%

Return on Assets (ROA)

0.1322%

Return on Equity (ROE)

0.5778%

Non-Performing Loans Ratio (NPL)

6.11%

Total Assets

10,735,134

Total Amount of Shares and Deposits

8,290,523

Total Shares and Deposits < 1 Year

8,290,522

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,379,425

Total Uninsured Shares and Deposits > $250K (F+J)

3,379,425

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,911,098

Total Interest Expense (Sum of items 6 8)

10,140

IRA KEOGH Accounts

Number of Accounts for Regular Shares

974

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

581,678

Total Liabilities

8,333,572

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

WATERBURY POSTAL EMPLOYEES earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Frequently Asked Questions About WATERBURY POSTAL EMPLOYEES

How many branches does WATERBURY POSTAL EMPLOYEES operate?

WATERBURY POSTAL EMPLOYEES 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 WATERBURY POSTAL EMPLOYEES?

Yes, to access services at WATERBURY POSTAL EMPLOYEES, 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, WATERBURY POSTAL EMPLOYEES 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, WATERBURY POSTAL EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Does WATERBURY POSTAL EMPLOYEES offer online and mobile banking?

Most modern institutions like WATERBURY POSTAL EMPLOYEES 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.waterburypostalfcu.org.