TCT Credit Union Ballston Spa NY | Best Auto Loans & Business Banking

Introduction

Welcome to Tct, your trusted partner in financial services located at 416 Rowland St, Ballston Spa, NY 12020. Since our establishment in 1959, we have been dedicated to serving our community with integrity and care. With a robust membership of over 14,482 individuals, we strive to provide a range of financial solutions tailored to meet your needs. At Tct, we're not just about numbers; we're about people. Our total assets of $295,303,283 and deposits totaling $3,310,022 reflect the trust our members place in us. Under the leadership of CEO Curt Cecala and Board President Peter Trombley, we focus on fostering relationships that empower our members financially. We also take pride in employing a committed team of 65 professionals, all dedicated to ensuring you receive exceptional service every time you visit. We offer various services ranging from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Whether you're looking for a new vehicle or planning for your future with a mortgage, we have you covered. Plus, enjoy the convenience of online and mobile banking, ATMs, and drive-thru services designed for your busy lifestyle. While members can visit us at our branch location, official correspondence should be sent to the same address: 416 Rowland St, Ballston Spa, NY 12020. Feel free to reach out to us at 518-884-7002 for any inquiries or assistance you may need. Join us at Tct today and experience a credit union that truly cares about your financial well-being! Visit our website at tctfcu.org or stop by our branch we look forward to serving you!

Branch History & Mission

Join Us

As we look ahead, we remain committed to enhancing our services and continuing our tradition of community support. We invite you to become part of the Tct family and experience firsthand the benefits of membership with us. Explore how we can help you achieve your financial goals together, let's build a brighter future! Visit us today or check out our website at Tct for more information on joining us or accessing our services.

Our Commitment

At Tct, our mission is simple: to empower individuals and families on their financial journeys while ensuring that everyone feels valued and supported. We strive to provide accessible financial services that cater to all needs be it through mobile banking apps or user-friendly online platforms. With features like ATM availability and drive-thru banking services, we make it easy for you to manage your finances on your terms. While members can visit us at 416 Rowland St for all their banking needs, official correspondence should be sent to the same address. Our operating hours are designed with your convenience in mind; feel free to reach out at 518-884-7002 during business hours.

Our Journey

From our humble beginnings, Tct has consistently evolved to meet the changing needs of our members. What started as a small credit union has transformed into a full-service financial institution dedicated to providing exceptional banking solutions. Over the decades, we have embraced technology and innovation while maintaining our commitment to personalized service. Today, we offer a wide range of services including personal banking accounts, auto loans, mortgage options, and business banking solutions. Our mission extends beyond financial services; it's about building strong relationships within our community. We believe in supporting local initiatives and fostering partnerships that enhance the quality of life for our members. Whether through community outreach programs or local sponsorships, we are devoted to making a positive impact in Ballston Spa and surrounding areas.

Branch Location & Accessibility

Accessibility Features

At Tct, we understand that accessibility is important for everyone. Our branch features ADA-compliant entrances and ramps to ensure that all members can easily access our services. We also have ample parking available right outside the door so you can visit us without any hassle.

Call to Action

If you're looking for a credit union that puts its members first, come visit us at Tct today! For any questions or assistance before your visit, feel free to call us at 518-884-7002. We look forward to helping you achieve your financial goals!

Operating Hours & Services

Our friendly staff is ready to assist you during our operating hours on weekdays from 9 AM to 5 PM. Need help after hours? Don't worry! We have an ATM available around the clock for your convenience. Plus, if you prefer the drive-thru option, you can take advantage of our basic drive-thru banking services for deposits and withdrawals. We offer a variety of services tailored just for you, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. You can also enjoy online and mobile banking features that allow you to manage your finances from anywhere.

Member Eligibility

At Tct, we believe that everyone deserves a chance to be part of a caring community. Becoming a member is an easy and welcoming process! If you live, work, worship, or attend school in our vibrant area, you're likely eligible to join us. We aim to support individuals from all walks of life, so even if you're unsure about your eligibility, don't hesitate to reach out. You can find more detailed information about the specific criteria by visiting our website at https://tctfcu-cloud.lending360.com/accountopening/application?membershipanchorset=true#/membership. Joining Tct comes with fantastic benefits, such as access to personalized financial services and community-focused banking solutions tailored just for you. Opening an account is straightforward; simply visit us at our branch located at 416 Rowland St Ballston Spa Ny 12020, or check out our online application process here: https://internetloanapplication.cudl.com/tct/. If you have any questions or need assistance, feel free to give us a call at (518) 884-7002. We're excited to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $15 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer tailored merchant services that simplify transactions for your business. Picture this: a customer buys a product, and with our efficient payment processing solutions, the transaction is smooth and quick. This not only enhances customer satisfaction but also streamlines your operations. Visit us at 416 Rowland St Ballston Spa Ny 12020 in Ballston Spa, NY or contact us at (518) 884-7002 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a vehicle? Our auto loans provide competitive rates that can help make your next car purchase more affordable. We understand how important reliable transportation is for getting to work or school, so our financing options are designed to put you behind the wheel quickly and easily.

Business Banking

Entrepreneurs can benefit from our business banking services which include merchant services and business loans. We understand the challenges of running a business and offer solutions that can help streamline operations and support growth.

Convenient Access Services

To ensure easy access for all members, we provide ATM services for cash withdrawals and balance checks without hassle. Our drive-thru banking allows for simple transactions like deposits and withdrawals while you're on the go. At Tct, our mission is not only about providing financial products but also about building relationships with our members in Ballston Spa. We're committed to making banking easier and more accessible than ever before. Ready to explore these services? Give us a call at (518) 884-7002 or visit us online at Milton today!

Credit Cards with Rewards

Our credit card options include rewards programs that allow you to earn points on everyday purchases. Whether it's groceries or gas, enjoy benefits that can lead to travel rewards or cashback on future spending.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with flexible terms and competitive rates. Owning a home is a significant milestone, and we're here to guide you through the process from pre-approval to closing. Our experienced loan officers will work closely with you to find the best solution tailored to your situation.

Personal Banking

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you're just starting out or planning for retirement, we offer options that can grow with you. Imagine having easy access to your money through our online and mobile banking platforms, allowing you to manage your finances anytime, anywhere. Plus, with features like e-statements and mobile payments, keeping track of your finances has never been simpler.

Personal Loans & Debt Consolidation

If you're managing debt or need extra funds for unexpected expenses, our personal loans can provide quick access to cash. These loans can also be used for debt consolidation, helping simplify your payments into one manageable monthly installment.

Digital & Online Banking

Key Features

Our online banking platform lets you check your account balances, transfer funds, and pay bills with just a few clicks. If you want to send money to friends or family, our person-to-person transfer feature makes it quick and simple. Plus, our mobile application allows you to manage your accounts right from your smartphone, giving you the freedom to bank on the go. For those who prefer going paperless, we provide e-statements that you can access anytime. This not only helps you stay organized but also contributes to a more sustainable environment. Additionally, with electronic signature authorization, signing documents has never been easier or more secure.

Security and Accessibility

Security is a top priority for us at Tct. Our systems are designed with robust security measures to protect your personal information. You can feel safe knowing that your data is in good hands while using our digital services. Whether you're making payments through mobile payments or keeping track of transactions via our online platform, everything is user-friendly and straightforward. We aim to ensure that every member can easily navigate their finances without hassle. In summary, our digital banking services at Tct empower you with the tools needed for effective account management while prioritizing security and convenience. Explore all these features today by visiting https://www.tctfcu.org/!

Financial Strength

At Tct, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a reliable financial partner is essential. That's why we strive to ensure our financial health remains robust and reassuring. With a net worth of $26,110,118, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.83% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $64,555,194 in share certificates and $37,197,989 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to innovation is reflected in our $25,840,590 in undivided earnings, which we reinvest into developing better banking tools and stronger lending options to serve you even better. With $2,543 in used auto loans and $226,514,012 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is evident as shown by our $285,261. This success allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 64 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 33,450, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Tct is your trusted partner. Visit us at 416 Rowland St Ballston Spa Ny 12020 or call (518) 884-7002 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have issued over $38,414,119 in used vehicle loans and $21,166,301 in new vehicle loans already helping members get on the road. Whether you prefer a brand-new model or a reliable used vehicle, we are here to support your journey with financing options that fit your budget.

Credit Lines and Other Services

For those who need additional flexibility, our total credit lines amounting to $63,959,805 provide easy access to funds when you need them most. This way, you can respond to financial opportunities or emergencies without delay. If you're considering refinancing any existing loans or want to know about eligibility options, we're here to guide you through the process. Our experienced team will help clarify all available options tailored specifically for your situation. Our dedicated staff at Tct, located at 416 Rowland St Ballston Spa Ny 12020, is ready to assist you with any questions or applications you may have. Feel free to give us a call at (518) 884-7002 for more information about how our loan products can work for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you find the perfect loan solution today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,214,365, make buying or refinancing simple. We offer various mortgage products tailored to meet different needs, ensuring that every member has access to affordable housing solutions.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $10,691,303 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping your costs low.

Loan Aggregator

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TCT FEDERAL CREDIT UNION - Ballston Spa, NY

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