CD Rates Waterbury, Connecticut (CT) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Current Waterbury, Connecticut CD rates include FD Community Federal Credit UnionFD Community Federal Credit Union601 Watertown Ave, Waterbury, CT 06708A+5.0 ★Texas Ratio: 5.67% offering 6 Month CD Only at 4.00% APY, Liberty Bank Middletown, CTLiberty Bank Middletown, CT1030 Hamilton Ave, Waterbury, CT 06706A+5.0 ★Texas Ratio: 5.26% offering 6-Month Business CD at 3.80% APY, Webster BankWebster Bank5 Wigwam Ave, Waterbury, CT 06704A+5.0 ★Texas Ratio: 2.48% offering Private 6-Month CD at 3.75% APY, Police Federal Credit Union Of ConnecticutPolice Federal Credit Union Of Connecticut255 E Main St, Waterbury, CT 06702 2301A5.0 ★Texas Ratio: 7.60% offering 1 Year Term Share Certificates at 3.45% APY, and TD BankTD Bank2 W Main St, Waterbury, CT 06702A5.0 ★Texas Ratio: 6.30% offering 3 Month Choice CD at 1.00% APY. CD rates as of April 4, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Waterbury, Connecticut, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 4, 2026
Compare Best CD Rates in Waterbury, Connecticut & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1030 Hamilton Ave, Waterbury, CT 06706
3-Month Business CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2 W Main St, Waterbury, CT 06702
3 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 4, 2026
Details
Relationship APY
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
910 Wolcott St, Waterbury, CT 06705
IRA 3 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 Wigwam Ave, Waterbury, CT 06704
3 Month Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
117 Prospect St, Stamford, CT 06901
3 Month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Must be opened in branch; New Money Only
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Atwood Pl, West Haven, CT 06516 2047
3 Month Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
7 Old Tavern Rd, Orange, CT 06477
3 Month Star Relationship CD
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
294 West St, Litchfield, CT 06759
3 Month Time Deposit & IRA
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
129 Main St, Torrington, CT 06790
3 Month CD
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
84 Wadsworth St, Hartford, CT 06106
3 Month Certificate
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
39 Clovelly Rd, Stamford, CT 06902
3-Month Share Certificate
$1,000
2.28%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
299 Whalley Ave, New Haven, CT 06511
3 month Certificates of Deposit (Regular and IRAs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Essex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
35 Plains Rd, Essex, CT 06426
3 Month Certificate
$0
0.76%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT 06762 2852
3 Month Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
39 Main St, Newtown, CT 06470
3 Month CD
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
444 E Putnam Ave, Cos Cob, CT 06807
Business CDs 3 Month
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
30 Bridge St, Suffield, CT 06078
Certificates of Deposit & IRA 3 month
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
601 Watertown Ave, Waterbury, CT 06708
6 Month CD Only
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 minimum, dividends compounded monthly. Early withdrawal penalty = 90 days dividend.
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1030 Hamilton Ave, Waterbury, CT 06706
6-Month Business CD
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 Wigwam Ave, Waterbury, CT 06704
Private 6-Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
for existing or new Private Checking account holders.
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
910 Wolcott St, Waterbury, CT 06705
6 Month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
39 Clovelly Rd, Stamford, CT 06902
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
270 Broad St, New Britain, CT 06053
Certificate and IRA Certificates 6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bankwell Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.53%
156 Cherry St, New Canaan, CT 06840
6 Month CD
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
APY effective 12/18/2025 and subject to change. $1,000 minimum opening deposit to open the account and earn APY. Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Fees may reduce earnings. This offer is not available to brokers or financial institutions. Offer may be withdrawn at any time.
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT 06762 2852
6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
up to
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
129 Main St, Torrington, CT 06790
6 Month CD
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
11 Cranbrook Blvd, Enfield, CT 06082
6 Month Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
IRA Not Available
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
7 Old Tavern Rd, Orange, CT 06477
6 Month Certificate of Deposit (CD)
$0
3.00%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
299 Whalley Ave, New Haven, CT 06511
6 month Certificates of Deposit (Regular and IRAs)
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2 Furnace Ave, Stafford Springs, CT 06076
6 Month Certificate
$1,000
2.28%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
294 West St, Litchfield, CT 06759
6 Month Time Deposit & IRA
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Essex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
35 Plains Rd, Essex, CT 06426
6 Month Certificate
$0
1.53%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
20 York St, New Haven, CT 06510
6 Month Term Share Certificates and IRA Term Share Certificates
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.20%
616 Burnside Ave, East Hartford, CT 06108
6 month CD Premier Membership
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
202 Salem Tpke, Norwich, CT 06360
6 Month Certificate
$500
0.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Northeast Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
233 Main St, Manchester, CT 06042 3539
6 Month Share Certificate
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
444 E Putnam Ave, Cos Cob, CT 06807
Business CDs 6 Month
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
30 Bridge St, Suffield, CT 06078
Certificates of Deposit & IRA 6 month
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
255 E Main St, Waterbury, CT 06702 2301
1 Year Term Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1030 Hamilton Ave, Waterbury, CT 06706
1-Year CD
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
910 Wolcott St, Waterbury, CT 06705
IRA 12 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Skyline Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
3528 E Main St, Waterbury, CT 06705
IRA Share Certificates 1 Year
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 Wigwam Ave, Waterbury, CT 06704
12 Month Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Broadway, North Haven, CT 06473
Share Certificate 1 year
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Atwood Pl, West Haven, CT 06516 2047
12 Month Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
39 Clovelly Rd, Stamford, CT 06902
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
233 Main St, Manchester, CT 06042 3539
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bankwell Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.53%
156 Cherry St, New Canaan, CT 06840
12 Month CD
$1,000
3.80%
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
APY effective 12/18/2025 and subject to change. $1,000 minimum opening deposit to open the account and earn APY. Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Fees may reduce earnings. This offer is not available to brokers or financial institutions. Offer may be withdrawn at any time.
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
270 Broad St, New Britain, CT 06053
Certificate and IRA Certificates 1 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts 1 Year
$500
3.57%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
84 Wadsworth St, Hartford, CT 06106
12 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
182 South Rd, Enfield, CT 06082 4454
1 Year Share Certificate or more
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$1,000
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT 06762 2852
12 Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
11 Cranbrook Blvd, Enfield, CT 06082
12 Month Certificate
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
7 Old Tavern Rd, Orange, CT 06477
1 Year Star Relationship CD
$0
3.27%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
39 Main St, Newtown, CT 06470
1 Year CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
117 Prospect St, Stamford, CT 06901
1 Year IRA CD
$0
3.15%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
129 Main St, Torrington, CT 06790
12 Month CD
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Perryridge Rd, Greenwich, CT 06830 4608
1 Year Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
299 Whalley Ave, New Haven, CT 06511
1 year Certificates of Deposit (Regular and IRAs)
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
964 Asylum Ave, Hartford, CT 06105
1 Year Certificate and IRA Certificate
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
294 West St, Litchfield, CT 06759
1 Year Time Deposit & IRA
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
120 Woodford Ave, Plainville, CT 06062 2335
12 month IRA Certificate
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
12-Month Certificate
$0
1.65%
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Essex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
35 Plains Rd, Essex, CT 06426
1 Year Certificate
$0
1.02%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
20 York St, New Haven, CT 06510
12 Month Term Share Certificates and IRA Term Share Certificates
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.20%
616 Burnside Ave, East Hartford, CT 06108
12 month CD Premier Membership
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
202 Salem Tpke, Norwich, CT 06360
1 Year Certificate
$500
0.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Lawrence Memorial Hospital Employees FCU
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
365 Montauk Ave, New London, CT 06320
12 month IRA Certificate
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
32 Chicago Ave, Groton, CT 06340
12 Month Short-Term Share Certificates
$0
0.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
33 Broad St, Milford, CT 06460
1 Year or Longer Floating IRA
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Variable interest rate. Interest is compounded and paid monthly. Deposits are accepted without extending the maturity date of the CD.
The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
444 E Putnam Ave, Cos Cob, CT 06807
12 Month CD
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
30 Bridge St, Suffield, CT 06078
Certificates of Deposit & IRA 12 month
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2 W Main St, Waterbury, CT 06702
18 Month Choice CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Relationship APY
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
910 Wolcott St, Waterbury, CT 06705
IRA 18 Month Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 Wigwam Ave, Waterbury, CT 06704
18 Month Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Atwood Pl, West Haven, CT 06516 2047
18 Month Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Hartford Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
776 Maple Ave, Hartford, CT 06114 2317
18 Month Share Certificate Special
$5,000
3.75%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
New money only. $5,000 min/$100,000 max.
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
117 Prospect St, Stamford, CT 06901
18 Month No Penalty CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Must be opened in branch
Northeast Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
233 Main St, Manchester, CT 06042 3539
18 Month Share or IRA Certificate
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
84 Wadsworth St, Hartford, CT 06106
18 Month IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
294 West St, Litchfield, CT 06759
18 Month Time Deposit & IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
129 Main St, Torrington, CT 06790
18 Month CD
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.20%
616 Burnside Ave, East Hartford, CT 06108
18 Month Special Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
NEW MONEY ONLY; Premier Membership
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
7 Old Tavern Rd, Orange, CT 06477
18 Month Star Relationship CD
$0
2.76%
▼
Rate2.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT 06762 2852
18 Month Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
40 Main St, Putnam, CT 06260
Individual Retirement Account (IRA) CD 18 Month
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Premium APY
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
964 Asylum Ave, Hartford, CT 06105
1.5 Year Certificate and IRA Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
39 Main St, Newtown, CT 06470
18 Month CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
120 Woodford Ave, Plainville, CT 06062 2335
18 month IRA Certificate
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Essex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
35 Plains Rd, Essex, CT 06426
18 Month Certificate
$0
1.02%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
32 Chicago Ave, Groton, CT 06340
Long-Term Share Certificates 18 Month
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Perryridge Rd, Greenwich, CT 06830 4608
18 Month Certificate
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
115 E Putnam Ave, Greenwich, CT 06830
18 Month Certificate of Deposit Accounts for Businesses
$500
0.30%
▼
Rate0.29%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
18-Month (Bump Up) Certificate
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
30 Bridge St, Suffield, CT 06078
Certificates of Deposit & IRA 18 month
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
33 Broad St, Milford, CT 06460
18 Month Certificate
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Fixed rate for the term of the deposit. Interest is compounded and credited monthly.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1030 Hamilton Ave, Waterbury, CT 06706
2-Year CD
$0
1.05%
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
910 Wolcott St, Waterbury, CT 06705
IRA 24 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 Wigwam Ave, Waterbury, CT 06704
2 Year Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
120 Woodford Ave, Plainville, CT 06062 2335
24 month IRA Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Atwood Pl, West Haven, CT 06516 2047
24 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Rate Special
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
39 Clovelly Rd, Stamford, CT 06902
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Northeast Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
233 Main St, Manchester, CT 06042 3539
2 Year Share or IRA Certificate
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
182 South Rd, Enfield, CT 06082 4454
2 Year Share Certificate or more
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$50,000
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Broadway, North Haven, CT 06473
Share Certificate 2 year
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
294 West St, Litchfield, CT 06759
2 Year Time Deposit & IRA
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
129 Main St, Torrington, CT 06790
24 Month CD
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
7 Old Tavern Rd, Orange, CT 06477
2 Year Star Relationship CD
$0
2.76%
▼
Rate2.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
299 Whalley Ave, New Haven, CT 06511
2 year Certificates of Deposit (Regular and IRAs)
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT 06762 2852
24 Month Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts 2 Year
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
40 Main St, Putnam, CT 06260
Individual Retirement Account (IRA) CD 2 Year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
964 Asylum Ave, Hartford, CT 06105
2 Year Certificate and IRA Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
200 Folly Brook Blvd, Wethersfield, CT 06109
2 Year CD
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Essex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
35 Plains Rd, Essex, CT 06426
2 Year Certificate
$0
1.02%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.20%
616 Burnside Ave, East Hartford, CT 06108
24 month CD Premier Membership
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
202 Salem Tpke, Norwich, CT 06360
2 Year Certificate
$500
0.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Perryridge Rd, Greenwich, CT 06830 4608
2 Year Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
115 E Putnam Ave, Greenwich, CT 06830
24 Month Certificate of Deposit Accounts for Businesses
$500
0.35%
▼
Rate0.34%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
24-Month Certificate
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
30 Bridge St, Suffield, CT 06078
Certificates of Deposit & IRA 24 month
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
33 Broad St, Milford, CT 06460
2 Year Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Fixed rate for the term of the deposit. Interest is compounded and credited monthly.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1030 Hamilton Ave, Waterbury, CT 06706
3-Year CD
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2 W Main St, Waterbury, CT 06702
3 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 4, 2026
Details
Relationship APY
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
910 Wolcott St, Waterbury, CT 06705
IRA 36 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Atwood Pl, West Haven, CT 06516 2047
36 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Rate Special
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
39 Clovelly Rd, Stamford, CT 06902
3-Year Share Certificate
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
182 South Rd, Enfield, CT 06082 4454
3 Year Share Certificate or more
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$50,000
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
233 Main St, Manchester, CT 06042 3539
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
84 Wadsworth St, Hartford, CT 06106
36 Month IRA
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
39 Main St, Newtown, CT 06470
3 Year CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT 06762 2852
36 Month Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
964 Asylum Ave, Hartford, CT 06105
3 Year Certificate and IRA Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
299 Whalley Ave, New Haven, CT 06511
3 year Certificates of Deposit (Regular and IRAs)
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts 3 Year
$500
2.54%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
40 Main St, Putnam, CT 06260
Individual Retirement Account (IRA) CD 3 Year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Premium APY
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Broadway, North Haven, CT 06473
Share Certificate 3 year
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
120 Woodford Ave, Plainville, CT 06062 2335
36 month IRA Certificate
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
7 Old Tavern Rd, Orange, CT 06477
3 Year Certificate of Deposit (CD)
$0
2.25%
▼
Rate2.19%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
11 Cranbrook Blvd, Enfield, CT 06082
36 Month Certificate
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
200 Folly Brook Blvd, Wethersfield, CT 06109
3 Year CD
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Essex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
35 Plains Rd, Essex, CT 06426
3 Year Certificate
$0
1.12%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.20%
616 Burnside Ave, East Hartford, CT 06108
36 month CD Premier Membership
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Perryridge Rd, Greenwich, CT 06830 4608
3 Year Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
115 E Putnam Ave, Greenwich, CT 06830
36 Month Certificate of Deposit Accounts for Businesses
$500
0.50%
▼
Rate0.49%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
444 E Putnam Ave, Cos Cob, CT 06807
Business CDs 3 Year
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
30 Bridge St, Suffield, CT 06078
Certificates of Deposit & IRA 36 month
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1030 Hamilton Ave, Waterbury, CT 06706
4-Year CD
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
910 Wolcott St, Waterbury, CT 06705
IRA 48 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Atwood Pl, West Haven, CT 06516 2047
48 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
39 Clovelly Rd, Stamford, CT 06902
4-Year Share Certificate
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
39 Main St, Newtown, CT 06470
4 Year CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northeast Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
233 Main St, Manchester, CT 06042 3539
4 Year Share or IRA Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
294 West St, Litchfield, CT 06759
4 Year Time Deposit & IRA
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT 06762 2852
48 Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
129 Main St, Torrington, CT 06790
48 Month CD
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
299 Whalley Ave, New Haven, CT 06511
4 year Certificates of Deposit (Regular and IRAs)
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Broadway, North Haven, CT 06473
Share Certificate 4 year
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
120 Woodford Ave, Plainville, CT 06062 2335
48 month IRA Certificate
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts 4 Year
$500
2.54%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
40 Main St, Putnam, CT 06260
Individual Retirement Account (IRA) CD 4 Year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Premium APY
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
7 Old Tavern Rd, Orange, CT 06477
4 Year Certificate of Deposit (CD)
$0
2.25%
▼
Rate2.19%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
11 Cranbrook Blvd, Enfield, CT 06082
48 Month Certificate
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
200 Folly Brook Blvd, Wethersfield, CT 06109
4 Year CD
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Scient Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
60 Colver Ave, Groton, CT 06340 3808
IRA Share Certificates 48 Month
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Available as Traditional, Roth or Educational/Coverdell
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
202 Salem Tpke, Norwich, CT 06360
4 Year Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.20%
616 Burnside Ave, East Hartford, CT 06108
48 month CD Premier Membership
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Perryridge Rd, Greenwich, CT 06830 4608
4 Year Certificate
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
48-Month Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
32 Chicago Ave, Groton, CT 06340
Long-Term Share Certificates 48 Month
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
444 E Putnam Ave, Cos Cob, CT 06807
Business CDs 4 Year
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1030 Hamilton Ave, Waterbury, CT 06706
5-Year CD
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2 W Main St, Waterbury, CT 06702
5 Year Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 4, 2026
Details
Relationship APY
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
910 Wolcott St, Waterbury, CT 06705
60 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Atwood Pl, West Haven, CT 06516 2047
60 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
39 Clovelly Rd, Stamford, CT 06902
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Northeast Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
233 Main St, Manchester, CT 06042 3539
5 Year Share or IRA Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT 06762 2852
60 Month Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
294 West St, Litchfield, CT 06759
5 Year Time Deposit & IRA
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
129 Main St, Torrington, CT 06790
60 Month CD
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Broadway, North Haven, CT 06473
Share Certificate 5 year
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
964 Asylum Ave, Hartford, CT 06105
2.5 Year Certificate and IRA Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts 5 Year
$500
2.54%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
299 Whalley Ave, New Haven, CT 06511
5 year Certificates of Deposit (Regular and IRAs)
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
40 Main St, Putnam, CT 06260
Individual Retirement Account (IRA) CD 5 Year
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
11 Cranbrook Blvd, Enfield, CT 06082
60 Month Certificate
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
200 Folly Brook Blvd, Wethersfield, CT 06109
5 Year CD
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
202 Salem Tpke, Norwich, CT 06360
5 Year Certificate
$1,000
1.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Essex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
35 Plains Rd, Essex, CT 06426
5 Year Certificate
$0
1.17%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.20%
616 Burnside Ave, East Hartford, CT 06108
60 month CD Premier Membership
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Perryridge Rd, Greenwich, CT 06830 4608
5 Year Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
60-Month Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
115 E Putnam Ave, Greenwich, CT 06830
60 Month Certificate of Deposit Accounts for Businesses
$500
0.60%
▼
Rate0.59%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
117 Prospect St, Stamford, CT 06901
5 Year IRA CD
$0
0.55%
▼
Rate0.54%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
39 Main St, Newtown, CT 06470
5 Year CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
30 Bridge St, Suffield, CT 06078
Certificates of Deposit & IRA 60 month
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
33 Broad St, Milford, CT 06460
5 Year Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Fixed rate for the term of the deposit. Interest is compounded and credited monthly.
The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
444 E Putnam Ave, Cos Cob, CT 06807
Business CDs 2.5 Year
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Frequently Asked Questions about CD Rates in Waterbury, Connecticut
Are CD rates in Waterbury, Connecticut FDIC insured?
Yes, most established banks in Waterbury, Connecticut are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Waterbury, Connecticut?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Waterbury, Connecticut.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Waterbury, Connecticut may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Waterbury, Connecticut?
Here are recent top rates found for this area:
- FD Community Federal Credit Union: 4.00% APY (6 Month CD Only)
- Liberty Bank Middletown, CT: 3.80% APY (6-Month Business CD)
- Webster Bank: 3.75% APY (Private 6-Month CD)
- Police Federal Credit Union Of Connecticut: 3.45% APY (1 Year Term Share Certificates)
- Ion Bank: 1.00% APY (IRA 24 Month Certificate)
- TD Bank: 1.00% APY (5 Year Choice CD)
- Skyline Financial Federal Credit Union: 0.25% APY (IRA Share Certificates 1 Year)
- USALLIANCE: 4.10% APY (18 Month Certificate)
- New Haven County Credit Union: 4.08% APY (Share Certificate 1 year)
- United Business and Industry Federal Credit Union: 4.00% APY (24 month IRA Certificate)
Rates reflect recent verified offers available in Waterbury, Connecticut. Last Updated: April 4, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Waterbury, Connecticut directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Waterbury, Connecticut. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 4, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking