TCT FEDERAL CREDIT UNION

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!

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!

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 $883 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 $0. 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.

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