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 Torrington Municipal & Teachers Federal Credit Union Rates & Review August 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.
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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 and Verified: August 29, 2026
Torrington Municipal & Teachers Federal Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Torrington Municipal & Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.24%. Rates last updated and verified on 08/29/2026. Torrington Municipal & Teachers 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 Torrington Municipal & Teachers Federal Credit Union? Share your experience about Torrington Municipal & Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Torrington Municipal & Teachers Federal Credit Union. Torrington Municipal & Teachers Federal Credit Union
Main Office 777 E Main St
https://tmtfcu.org Torrington, CT 06790 3915 
Torrington Municipal & Teachers Federal Credit Union Auto Loan Rates
Torrington Municipal & Teachers Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Torrington Municipal & Teachers 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 Torrington Municipal & Teachers 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 Torrington Municipal & Teachers Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Torrington Municipal & Teachers Federal Credit Union
Website
https://tmtfcu.org
Address
777 E Main St,
Torrington, CT 06790 3915
Phone
860-489-2212
Fax
860-496-7024
President
Michael Tyler
CEO
Donna Marie Battistoni
Full-Time Employees
16
Part-Time Employees
3
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.24%
Return on Assets (ROA)
0.8206%
Return on Equity (ROE)
8.8319%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
87,132,559
Total Amount of Shares and Deposits
78,992,568
Total Shares and Deposits < 1 Year
74,677,326
Total Shares and Deposits 1 3 Years
4,250,884
Total Shares and Deposits > 3 Years
64,358
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,477,841
Total Uninsured Shares and Deposits > $250K (F+J)
3,477,841
Total Insured Shares and Deposits > $250K (item 17 less item K)
75,514,727
Total Interest Expense (Sum of items 6 8)
639,965
Share Certificates
542
Number of Accounts for Share Drafts
6,730
IRA KEOGH Accounts
279
Number of Accounts for Regular Shares
12,867
All other shares
1,231
Money Market Shares
604
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)
3,842,813
Total Liabilities
79,049,309
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Frequently Asked Questions About Torrington Municipal & Teachers Federal Credit UnionHow many branches does Torrington Municipal & Teachers Federal Credit Union operate?Torrington Municipal & Teachers 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 Torrington Municipal & Teachers Federal Credit Union?Yes, to access services at Torrington Municipal & Teachers 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, Torrington Municipal & Teachers 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, Torrington Municipal & Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Torrington Municipal & Teachers Federal Credit Union offer online and mobile banking?Most modern institutions like Torrington Municipal & Teachers 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://tmtfcu.org. Compare to Other Credit Unions
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