FD Community Credit Union

Waterbury, Connecticut
Last verified: August 4, 2026
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Verified rate book

Current FD Community Credit Union rates

53 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

12 offers
FD Community Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Outstanding Auto Loan Rates! (Rates as low as)auto3.990% APR3.990%—Standard
New, Unregisteredauto_new_36mo3.990% APR3.990%36 mo · newStandard
Auto Loan Rates (New, Unregistered)auto_new3.990% APR3.990%newStandard
New, Unregisteredauto_new_48mo4.125% APR4.125%48 mo · newStandard
Auto Loan Rates (New, Unregistered)auto_new_60mo4.250% APR4.250%60 mo · newStandard
Auto Loan (2021–2026)auto4.490% APR4.490%—Standard
Auto Loan Rates (New, Unregistered)auto_new_72mo4.500% APR4.500%72 mo · newStandard
60-Month Auto Loan (2021–2026)auto_any_60mo4.750% APR4.750%60 moStandard
72-Month Auto Loan (2021–2026)auto_any_72mo5.000% APR5.000%72 moStandard
Auto Loan (2016–2020)auto5.490% APR5.490%—Standard
60-Month Auto Loan (2016–2020)auto_any_60mo5.750% APR5.750%60 moStandard
72-Month Auto Loan (2016–2020)auto_any_72mo6.000% APR6.000%72 moStandard

HELOC rates

3 offers
FD Community Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loan (Fixed)heloc_fixed6.125% APR6.125%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed6.375% APR6.375%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed6.625% APR6.625%—Standard

Personal loan rates

4 offers
FD Community Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36-Month Signature Loanpersonal_unsecured_36mo8.990% APR8.990%36 moStandard
Consumer Loan Rates (Signature)personal_unsecured8.990% APR8.990%—Standard
48-Month Signature Loanpersonal_unsecured_48mo9.990% APR9.990%48 moStandard
Consumer Loan Rates (Signature)personal_unsecured_60mo10.990% APR10.990%60 moStandard

Savings & CD rates

34 offers
FD Community Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share Rates (IRA Regular Share)ira0.10% APY0.10%—Standard
Club Accountcd_36mo0.10% APY0.10%36 moSpecialty offer
Share Rates (Club Accounts)savings0.10% APY0.10%—Specialty offer
IRA Regular Shareira0.10% APY0.10%36 moStandard
Share Rates (Tier 1: $2,500 - $10,000)savings0.50% APY0.50%—Standard
Tier 1: $2,500 - $10,000cd_36mo0.50% APY0.50%36 moStandard
Tier 2: $10,001 - $75,000cd_36mo0.85% APY0.85%36 moStandard
Share Rates (Tier 2: $10,001 - $75,000)savings0.85% APY0.85%—Standard
Share Rates (Tier 3: $75,001 & Greater)savings1.00% APY1.00%—Standard
Tier 3: $75,001 & Greatercd_36mo1.00% APY1.00%36 moStandard
18-Month IRA Certificateira_cd_18mo1.98% APY1.98%18 moStandard
18 Monthcd_36mo1.98% APY1.98%36 moStandard
18 Monthcd_48mo2.00% APY2.00%48 moStandard
IRA Certificateira_cd2.00% APY2.00%—Standard
36-Month Certificatecd_36mo2.23% APY2.23%36 moStandard
36-Month IRA Certificateira_cd_36mo2.23% APY2.23%36 moStandard
36 Monthcd_48mo2.25% APY2.25%48 moStandard
48 Monthcd_36mo2.72% APY2.72%36 moStandard
48-Month IRA Certificateira_cd_48mo2.72% APY2.72%48 moStandard
48-Month Certificatecd_48mo2.75% APY2.75%48 moStandard
60-Month IRA Certificateira_cd_60mo2.96% APY2.96%60 moStandard
60 Monthcd_36mo2.96% APY2.96%36 moStandard
60 Monthcd_48mo3.00% APY3.00%48 moStandard
24 Monthcd_36mo3.20% APY3.20%36 moStandard
24-Month IRA Certificateira_cd_24mo3.20% APY3.20%24 moStandard
24 Monthcd_48mo3.25% APY3.25%48 moStandard
9 Month CD Onlycd_36mo3.45% APY3.45%36 moStandard
CDs & IRA Rates (9 Month CD Only)ira_cd_9mo3.45% APY3.45%9 moStandard
9 Month CD Onlycd_48mo3.50% APY3.50%48 moStandard
12-Month IRA Certificateira_cd_12mo3.59% APY3.59%12 moStandard
12 Monthcd_48mo3.65% APY3.65%48 moStandard
6 Month CD Onlycd_36mo3.93% APY3.93%36 moStandard
CDs & IRA Rates (6 Month CD Only)ira_cd_6mo3.93% APY3.93%6 moStandard
6 Month CD Onlycd_48mo4.00% APY4.00%48 moStandard

Auto loans available from 3.99% APR. HELOC rates from 6.125% APR. Personal loan rates from 8.99% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from FD Community Credit Union's official website

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About FD Community Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
13.5K
Assets
$159.9M
Founded
1934
Locations reported
3
NCUA charter
42
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Greater Waterbury HealthcareGreater Waterbury healthcare FCU · Waterbury · CT · 06708Branch in the same ZIPPolice Credit Union of ConnecticutWaterbury Branch · Waterbury · CT · 06702-2301About 1.4 miles awayWaterbury Postal EmployeesWATERBURY POSTAL EMPLOYEES FCU · WATERBURY · CT · 06702-9992About 1.4 miles awayWaterbury Connecticut TeachersMiddlebury - Main · Middlebury · CT · 06762-2852About 3.2 miles awaySkyline FinancialMain Office · Waterbury · CT · 06705About 4.0 miles awayMutual SecurityWATERTOWN BRANCH · WATERTOWN · CT · 06795About 5.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join FD Community Credit Union

Membership eligibility from FD Community Credit Union's own published criteria. How we verify this.

Community charter: live/work in Waterbury, CT

  • LocationCT

Verified from FD Community Credit Union's membership page. Final membership determination is always made by the credit union.

Work at FD Community Credit Union?

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Frequently Asked Questions

What rates does FD Community Credit Union offer?

FD Community Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are FD Community Credit Union rates updated?

RateAPI verifies FD Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get FD Community Credit Union's rate data?

Rate data is collected directly from FD Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are FD Community Credit Union's auto loan rates?

As of August 4, 2026, FD Community Credit Union offers auto loans from 3.99% APR.

What is FD Community Credit Union's HELOC rate?

As of August 4, 2026, FD Community Credit Union offers home equity lines of credit from 6.125% APR.

What is FD Community Credit Union's personal loan rate?

As of August 4, 2026, FD Community Credit Union offers personal loans from 8.99% APR.

What is FD Community Credit Union's best CD rate?

As of August 4, 2026, FD Community Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare FD Community Credit Union's rates against national credit-union benchmarks.

More Connecticut credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for FD Community Credit Union
curl "https://api.rateapi.dev/credit-unions/connecticut/fd-community" \
  -H "Authorization: Bearer YOUR_API_KEY"
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