Waterbury Connecticut Teachers Federal Credit Union

Headquarters: Waterbury, Connecticut
Charter: Credit Union
Assets: $365.2M
Fed district: Boston

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Waterbury Connecticut Teachers Federal Credit Union: $4.95
Waterbury Connecticut Teachers Federal Credit Union: $4.95
U.S. median: no median
Overdraft (OD)
Waterbury Connecticut Teachers Federal Credit Union: $35
Waterbury Connecticut Teachers Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Waterbury Connecticut Teachers Federal Credit Union: $25
Waterbury Connecticut Teachers Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Connecticut, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Connecticut: Banks and credit unions headquartered in Connecticut that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Among its peers

Waterbury Connecticut Teachers Federal Credit Union · $365M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$356M to $373M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Waterbury Connecticut Teachers Federal Credit Union(this institution)	Waterbury, CT	$365M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aero Federal Credit Union	Glendale, AZ	$364M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Affidian Federal Credit Union	Denver, CO	$360M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Allegiance Federal Credit Union	Oklahoma City, OK	$372M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
C-Plant Federal Credit Union	Paducah, KY	$366M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cardinal Credit Union, Inc.	Mentor, OH	$366M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Class Act Federal Credit Union	Louisville, KY	$365M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Alliance Federal Credit Union	Rochester, MN	$358M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Capital Federal Credit Union	York, PA	$368M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Basin Federal Credit Union	Reno, NV	$373M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
HUDSON RIVER COMMUNITY	Corinth, NY	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Industrial Federal Credit Union	Lafayette, IN	$356M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Marshall Community Federal Credit Union	Marshall, MI	$372M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mass Bay Federal Credit Union	South Boston, MA	$367M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Mobility Credit Union	Irving, TX	$358M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
My Federal Credit Union	Bloomington, MN	$366M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Panhandle Federal Credit Union	Panama City, FL	$368M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Peninsula Federal Credit Union	Escanaba, MI	$356M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peopleschoice Federal Credit Union	Biddeford, ME	$367M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Piedmont Advantage Credit Union	Winston Salem, NC	$368M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharepoint Federal Credit Union	Bloomington, MN	$360M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Signal Financial Federal Credit Union	Kensington, MD	$364M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Jean'S Federal Credit Union	lynn, MA	$373M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Summit Federal Credit Union	Greensboro, NC	$369M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sunbelt Federal Credit Union	Hattiesburg, MS	$366M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Financial Federal Credit Union	Saginaw, MI	$360M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $4.95, against a peer median of $5 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Waterbury Connecticut Tea…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Waterbury Connecticut Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$4.95
per month
If account is closed within 90 days$10
Dormant Account Fee$3
per month
Account Research/Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft/NSF‐Paid$35
per item
Returned ACH$25
Overdraft Transfer$3
per item

ATM & Card

ATM fees$5
ATM fees$4.99
Replacement ATM/VISA Debit Card$20
VISA Card Replacement$10

Wire Transfers

Wire Transfers: Outgoing ‐ Domestic$20
per item
Wire Transfers: Incoming$10
Wire Transfers: Outgoing ‐ International$45
per item

Check Services

Stop Payment$20
Copy of Check/Other Document$5
per item

Cash & Deposit

Deposited Item Return$10
per item

Account Services

IRS/Government/Court Ordered Levy$50

Retirement & IRA

Outgoing IRA Transfer$25

Other Fees

Statement Copy Provided on Flash Drive$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$4.95	per month	None
If account is closed within 90 days	$10	Not stated	None
Dormant Account Fee	$3	per month	None
Account Research/Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft/NSF‐Paid	$35	per item	None
Returned ACH	$25	Not stated	None
Overdraft Transfer	$3	per item	None
ATM & Card
ATM fees	$5	Not stated	None
ATM fees	$4.99	Not stated	None
Replacement ATM/VISA Debit Card	$20	Not stated	None
VISA Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing ‐ Domestic	$20	per item	None
Wire Transfers: Incoming	$10	Not stated	None
Wire Transfers: Outgoing ‐ International	$45	per item	None
Check Services
Stop Payment	$20	Not stated	None
Copy of Check/Other Document	$5	per item	None
Cash & Deposit
Deposited Item Return	$10	per item	None
Account Services
IRS/Government/Court Ordered Levy	$50	Not stated	None
Retirement & IRA
Outgoing IRA Transfer	$25	Not stated	None
Other Fees
Statement Copy Provided on Flash Drive	$25	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Waterbury Connecticut Teachers Federal Credit Union's early account closure changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Waterbury Connecticut Teachers Federal Credit Union: $4.95
Waterbury Connecticut Teachers Federal Credit Union: $4.95
U.S. median: no median
Overdraft (OD)
Waterbury Connecticut Teachers Federal Credit Union: $35
Waterbury Connecticut Teachers Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Waterbury Connecticut Teachers Federal Credit Union: $25
Waterbury Connecticut Teachers Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Connecticut, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Connecticut: Banks and credit unions headquartered in Connecticut that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Among its peers

Waterbury Connecticut Teachers Federal Credit Union · $365M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$356M to $373M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Waterbury Connecticut Teachers Federal Credit Union(this institution)	Waterbury, CT	$365M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aero Federal Credit Union	Glendale, AZ	$364M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Affidian Federal Credit Union	Denver, CO	$360M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Allegiance Federal Credit Union	Oklahoma City, OK	$372M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
C-Plant Federal Credit Union	Paducah, KY	$366M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cardinal Credit Union, Inc.	Mentor, OH	$366M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Class Act Federal Credit Union	Louisville, KY	$365M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Alliance Federal Credit Union	Rochester, MN	$358M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Capital Federal Credit Union	York, PA	$368M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Basin Federal Credit Union	Reno, NV	$373M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
HUDSON RIVER COMMUNITY	Corinth, NY	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Industrial Federal Credit Union	Lafayette, IN	$356M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Marshall Community Federal Credit Union	Marshall, MI	$372M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mass Bay Federal Credit Union	South Boston, MA	$367M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Mobility Credit Union	Irving, TX	$358M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
My Federal Credit Union	Bloomington, MN	$366M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Panhandle Federal Credit Union	Panama City, FL	$368M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Peninsula Federal Credit Union	Escanaba, MI	$356M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peopleschoice Federal Credit Union	Biddeford, ME	$367M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Piedmont Advantage Credit Union	Winston Salem, NC	$368M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharepoint Federal Credit Union	Bloomington, MN	$360M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Signal Financial Federal Credit Union	Kensington, MD	$364M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Jean'S Federal Credit Union	lynn, MA	$373M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Summit Federal Credit Union	Greensboro, NC	$369M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sunbelt Federal Credit Union	Hattiesburg, MS	$366M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Financial Federal Credit Union	Saginaw, MI	$360M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $4.95, against a peer median of $5 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Waterbury Connecticut Tea…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Waterbury Connecticut Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$4.95
per month
If account is closed within 90 days$10
Dormant Account Fee$3
per month
Account Research/Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft/NSF‐Paid$35
per item
Returned ACH$25
Overdraft Transfer$3
per item

ATM & Card

ATM fees$5
ATM fees$4.99
Replacement ATM/VISA Debit Card$20
VISA Card Replacement$10

Wire Transfers

Wire Transfers: Outgoing ‐ Domestic$20
per item
Wire Transfers: Incoming$10
Wire Transfers: Outgoing ‐ International$45
per item

Check Services

Stop Payment$20
Copy of Check/Other Document$5
per item

Cash & Deposit

Deposited Item Return$10
per item

Account Services

IRS/Government/Court Ordered Levy$50

Retirement & IRA

Outgoing IRA Transfer$25

Other Fees

Statement Copy Provided on Flash Drive$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$4.95	per month	None
If account is closed within 90 days	$10	Not stated	None
Dormant Account Fee	$3	per month	None
Account Research/Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft/NSF‐Paid	$35	per item	None
Returned ACH	$25	Not stated	None
Overdraft Transfer	$3	per item	None
ATM & Card
ATM fees	$5	Not stated	None
ATM fees	$4.99	Not stated	None
Replacement ATM/VISA Debit Card	$20	Not stated	None
VISA Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing ‐ Domestic	$20	per item	None
Wire Transfers: Incoming	$10	Not stated	None
Wire Transfers: Outgoing ‐ International	$45	per item	None
Check Services
Stop Payment	$20	Not stated	None
Copy of Check/Other Document	$5	per item	None
Cash & Deposit
Deposited Item Return	$10	per item	None
Account Services
IRS/Government/Court Ordered Levy	$50	Not stated	None
Retirement & IRA
Outgoing IRA Transfer	$25	Not stated	None
Other Fees
Statement Copy Provided on Flash Drive	$25	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.