Credit Unions in Waterbury, CT
5 member-owned, NCUA-insured credit unions headquartered in or near Waterbury, serving a combined 40,766 members. The largest is Waterbury Connecticut Teachers. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Waterbury Connecticut Teachers
WATERBURY, CT🇺🇸
21,965 members
Credit Unions & BankingView details →Fd Community
Waterbury, CT🇺🇸
12,718 members
Credit Unions & BankingView details →Skyline Financial
Waterbury, CT🇺🇸
4,218 members
Credit Unions & BankingView details →Greater Waterbury Healthcare
WATERBURY, CT🇺🇸
995 members
Credit Unions & BankingView details →Waterbury Postal Employees
WATERBURY, CT🇺🇸
870 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Waterbury: they are based in or near Waterbury. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Waterbury
1 more credit union headquartered elsewhere has a branch in Waterbury, CT. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
- Police Credit Union Of Connecticut — branch: 255 E Main St Waterbury, CT 06702-2301
How to join a credit union in Connecticut
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Waterbury or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Waterbury — common questions
How many credit unions are in Waterbury?
5 member-owned, NCUA-insured credit unions are headquartered in or near Waterbury, Connecticut, with a combined 40,766 members. The largest is Waterbury Connecticut Teachers.
Are these the closest credit unions to me in Waterbury?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Waterbury, geocoded to the city. The second list adds 1 more credit union headquartered elsewhere that NCUA shows with a branch in Waterbury, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Waterbury?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Connecticut accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Waterbury?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.