Best Banks & Credit Unions in Waterbury, Connecticut
Banks and credit unions serving Waterbury, Connecticut. Compare up to 3.30% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Waterbury, Connecticut. All rankings inherit from the Connecticut state directory. Every institution listed is licensed to serve Waterbury residents and is either headquartered in Connecticut or operates branches in the metro.
Top options in Waterbury
- USALLIANCE Financial: 4.36% APY. 12-month Certificate Account: $500 minimum balance; the special and the regular 12-month certificate carry the same rate; a premature withdrawal incurs a significant penalty. Read Sep 7, 2026 on usalliance.org. Rates as of 2026-09-01 per the page.
- Navy Federal Credit Union: 3.70% APY. 12-month Short-Term Certificate: $1K minimum APY column; 3.70% at $1K and $20K, 3.75% at $100K; penalties apply for early withdrawal. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
- USALLIANCE Financial: 3.30% APY. High Dividend Savings: $500.00 minimum balance required; day-of-deposit/day-of-withdrawal, rate may change daily; the rate table attaches no direct-deposit, card-use or balance-cap condition. Read Sep 7, 2026 on usalliance.org. Rates as of 2026-09-01 per the page.
- Newtown Savings Bank: 3.00% APY. 12-month 1 Year CD: All types of CDs require a minimum deposit of $500 to be opened and to earn the advertised APY; 180 days interest early-withdrawal penalty. Read Sep 7, 2026 on nsbonline.com. Rates as of 2026-05-19 per the page.
- Thomaston Savings Bank: 2.95% APY. 12-month Certificate of Deposit - Fixed Rate: $1,000 minimum to open; daily balances below $1,000 do not earn APY; APY effective date 09/02/2026. Read Sep 7, 2026 on thomastonsavingsbank.com. Rates as of 2026-09-02 per the page.
- Polish & Slavic Federal Credit Union: 1.20% APY. 12-month Term Share Account: Term Share Account $500-$49,999 band; minimum to earn the disclosed APY is $500; early withdrawal penalties may apply. Read Sep 7, 2026 on psfcu.com. Rates as of 2026-09-06 per the page.
Banks with more than one branch in Waterbury
Each opens every one of that bank's offices in Waterbury, with the address of each and what it holds.
- Santander Bank, N.A. in Waterbury: 5 branches
Other Connecticut cities
See the full Connecticut banks directory for every institution we've verified in the state, plus the underlying methodology.