Tct Credit Union Clifton Park NY | Best Auto Loans & Checking Accounts

Introduction

Welcome to Tct, your trusted partner in financial wellness, located at 520 Vischer Ferry Rd, Clifton Park, NY 12065. Established in 1959, we have proudly served our community for over six decades, building a reputation for reliability and member-focused service. With a total membership of 14,482 and assets totaling an impressive $295,303,283, we are dedicated to empowering our members with the financial tools they need to thrive. At Tct, we understand that every member's journey is unique. That's why we offer a comprehensive range of services tailored just for you from checking and savings accounts to auto loans and mortgages. Our commitment goes beyond just numbers; it's about enhancing lives within our community. We're proud to be part of Clifton Park and strive to make a positive impact through responsible lending practices and community engagement. Under the leadership of CEO Curt Cecala and Board President Peter Trombley, our team of 65 employees is here to support you every step of the way. Whether you're seeking advice on managing your finances or looking for the best loan options available, our knowledgeable staff is ready to assist you. If you ever need assistance or want to learn more about what we can do for you, please don't hesitate to reach out. You can call us at 518-383-0106 or visit our website at https://www.tctfcu.org . We look forward to welcoming you into the Tct family! While members can visit us at 520 Vischer Ferry Rd, official correspondence should be sent to the same address as there is no difference in our mailing address. Join us today and experience the difference that a community-focused credit union can make!

Branch History & Mission

Community Focus

Over the years, Tct has not only focused on financial growth but also on giving back to the community. We actively engage in partnerships and outreach efforts designed to uplift those around us. Whether it's sponsoring local events or providing educational resources on financial literacy, our commitment to making a positive impact remains unwavering.

Innovations for You

In today's fast-paced world, we know how important it is for our members to have access to modern banking conveniences. That's why we've embraced digital advancements such as online banking and mobile payment solutions. These tools allow you to manage your finances from anywhere while ensuring your experience is user-friendly and secure. With ADA compliance in mind, we strive to ensure that all members can access our services easily. Additionally, our drive-thru banking and ATM availability make transactions quick and convenient.

Join Us!

As we look toward the future, we invite you to become part of the Tct family. Experience firsthand the benefits of membership from competitive loan rates to personalized service designed just for you. Let us help you achieve your financial goals while being an active participant in our vibrant community. To learn more about membership opportunities or start your journey with us today, feel free to contact us at (518) 383-0106 or visit us online at Tct's website. Your future awaits!

Our Mission

Our mission is simple yet powerful: to provide exceptional financial services while fostering a sense of community. We understand that each member has unique needs and aspirations. That's why we offer a range of services including personal banking, auto loans, mortgage options, credit cards with rewards, and business banking solutions. We strive to make banking accessible and supportive for everyone in our community. While members can visit us at 520 Vischer Ferry Rd Clifton Park Ny 12065, official correspondence should be sent to 520 Vischer Ferry Rd, Clifton Park, NY 12065. This ensures that all communications are handled efficiently and effectively.

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind, featuring ADA-compliant facilities to ensure that everyone can visit us comfortably. Ample parking is available right outside, so you won't have to worry about finding a spot when you come in. If you're on the go, take advantage of our drive-thru banking services, where you can handle your transactions without ever leaving your vehicle.

Get in Touch

While members can visit us at 520 Vischer Ferry Rd, official correspondence should be sent to the same address. We invite you to come by during our operating hours or reach out via phone if you have any questions. Our team is excited to assist you with all your banking needs. Visit us today and discover how Tct can help you achieve your financial goals!

Services Offered

At Tct, we offer a wide range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we've got you covered. Our ATM is available for quick cash withdrawals and balance checks anytime you need it. Plus, our operating hours are designed to fit your busy schedule feel free to call us at 518-383-0106 for any inquiries or assistance.

Member Eligibility

Becoming a member of Tct means joining a warm and welcoming community that puts you first. To qualify for membership, we invite anyone who lives, works, worships, or attends school in the areas we serve to join us. This inclusive approach ensures that our services are accessible to those who truly need them. Whether you're looking for personal banking solutions, loans, or just a place where your financial goals are understood and supported, Tct is here for you. The process to open an account is straightforward and designed with your convenience in mind. You can find all the details on eligibility at https://tctfcu-cloud.lending360.com/accountopening/application?membershipanchorset=true#/membership , which will guide you through any specific requirements. When you're ready to take the next step, visit us online at https://internetloanapplication.cudl.com/tct/ to start your membership journey. If you have any questions or need assistance, feel free to reach out to us at (518) 383-0106. We look forward to welcoming you to our family at Tct, located at 520 Vischer Ferry Rd Clifton Park Ny 12065!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $15 in non-member commercial loans, providing flexible financing solutions. Imagine having access to the funds you need for expansion or new equipment our loan options can help turn those ideas into reality. Whether you're looking to buy property, invest in new technology, or simply manage cash flow, our loans are structured to fit your needs.

Merchant Services

In addition to loans, we provide merchant services that simplify payment processing for your business. Picture this: a customer makes a purchase using their card, and with our reliable merchant services, funds are transferred smoothly and quickly. This not only enhances customer satisfaction but also streamlines your operations. Let us partner with you on your journey toward success. Visit us at 520 Vischer Ferry Rd Clifton Park Ny 12065 or call us at (518) 383-0106 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we've got you covered too! Our business banking services include merchant services and business loans that can help you grow your enterprise. We understand the challenges of running a business, and our team is committed to providing solutions that work for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Tct offers robust online and mobile banking features that allow you to manage your finances anytime, anywhere. Whether you're checking balances, transferring funds, or making payments, our digital tools put control right at your fingertips. You can even enjoy easy access to ATM and cash withdrawal services, ensuring you have what you need when you need it.

Drive-Thru & ATM Services

For those who prefer face-to-face interactions but appreciate quick service, our drive-thru banking allows for deposits and withdrawals without leaving your vehicle. And with basic ATM access available for balance checks and withdrawals, managing your money has never been easier. At Tct, we believe that banking should be accessible and straightforward for everyone in the community. To learn more about how we can assist you with any of these services or if you're ready to get started on your financial journey today, don't hesitate to reach out! Call us at (518) 383-0106 or visit us online at Clifton Park. Your financial future awaits!

Loans for Every Need

Life can be unpredictable, which is why we offer personal loans and debt consolidation services. Whether you need funds for unexpected expenses or wish to simplify your finances by consolidating debts, we're here to help. Plus, with our credit cards featuring rewards programs, you can earn points on everyday purchases while enjoying the benefits of responsible spending.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are tailored for everyone. Imagine setting up an account that not only helps you manage your money but also rewards you for saving. With our diverse offerings, you'll find the right solution to help you achieve your financial goals. When it comes to financing your next vehicle, our auto loans and vehicle financing options make the process smooth and straightforward. Picture driving away in your dream car with affordable monthly payments that fit into your budget. Additionally, if you're considering buying a home or refinancing your existing mortgage, our mortgage loans are designed with competitive rates and flexible terms.

Digital & Online Banking

24/7 Accessibility

With 24/7 online banking services, you have complete control over your finances whenever it suits you. Need to check an account balance late at night? Or perhaps transfer funds during lunch? At Tct, we're here for you around the clock. Experience the freedom of real-time account management through our comprehensive digital banking solutions. Join us today and take advantage of these modern conveniences tailored just for you!

Key Features

Our services include electronic signature authorization, making it quick and easy for you to sign documents from the comfort of your home. Plus, you can opt for e-statements, which not only help reduce paper waste but also allow for easy tracking of your financial activity anytime you need it. For those on the go, our mobile application gives you access to all these features right from your smartphone. You can make mobile payments effortlessly and even send money directly to friends or family with our person-to-person transfer feature. Whether you're grabbing coffee or commuting to work, managing your finances has never been easier.

Financial Strength

Member Trust

With total share accounts reaching 33,450, our strong and growing member base shows that you trust us with your finances. Net Shares available for lending stand at $0, further enhancing our ability to support your financial needs. 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 520 Vischer Ferry Rd Clifton Park Ny 12065 or call (518) 383-0106 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Operational Efficiency

Our commitment to efficiency is reflected in our performance. Although our net income stands at $0, this figure 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 who are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $25,840,590 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $2,543 in used auto loans and $226,514,012 in total loans and leases, we support members' financial goals across various sectors.

Strong Financial Health

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.

Loan Offering

Additional Financing Options

In addition to our auto and mortgage loans, we provide lines of credit totaling $63,959,805, offering you quick access to funds whenever needed. This flexibility can be particularly useful for unexpected expenses or planned purchases. If you're considering refinancing any existing loans, we encourage you to explore our options as well. We're dedicated to ensuring that our members have access to the best financial products that suit their evolving needs. Feel free to reach out to us at (518) 383-0106, or visit us at our branch located at 520 Vischer Ferry Rd Clifton Park Ny 12065 in Clifton Park, NY. Our team is ready to assist you with any questions about our loan offerings or eligibility requirements. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with 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're purchasing a brand-new vehicle or a reliable used one, our financing options are designed to meet your specific requirements.

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 terms and competitive rates to help you secure the funding you need for your new home.

Unsecured Credit Cards

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. These cards come with no collateral required and can be an excellent choice for those looking to build or improve their credit score.

Loan Aggregator

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TCT FEDERAL CREDIT UNION - Clifton Park, NY