TCT Credit Union Queensbury NY | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Tct, your trusted partner in financial wellness right here in Queensbury, NY! Established in 1959, we have been serving our community with dedication and integrity for over six decades. Our branch, located at 4 Hunter Brook Ln, is more than just a financial institution; it's a hub for support and growth for our 14,482 members. At Tct, we understand the importance of building strong relationships with our members. With total assets of $295,303,283 and total deposits reaching $3,310,022, we are committed to providing financial services that fit your unique needs. Whether you're looking for personal banking options like checking and savings accounts or seeking loans for your next vehicle or home, we've got you covered. Our experienced team of 65 employees is led by our CEO, Curt Cecala, and Board President, Peter Trombley. Together, they ensure that we not only meet but exceed your expectations. We pride ourselves on being responsive to your needs and are always ready to assist you whether you prefer visiting us in person or using our online banking services available at tctfcu.org. While members can visit us at our branch address, official correspondence should be sent to our mailing address: 4 Hunter Brook Ln, Queensbury, NY 12804-5858. We invite you to explore all that we offer from auto loans and mortgages to credit cards with rewards designed to help you achieve your financial goals. Feel free to reach out at 518-793-1958 or stop by anytime during our operating hours. Join us today and experience the difference of being part of the Tct family!

Branch History & Mission

Community Engagement

Tct is deeply committed to making a difference beyond banking. We actively engage in partnerships that uplift our community, supporting local events and initiatives aimed at enhancing quality of life in Queensbury and surrounding areas. Our outreach efforts are designed not only to assist financially but also to inspire growth and collaboration within the community. In addition to traditional banking services like checking accounts and savings plans, we offer personalized solutions tailored to individual needs. Members can also enjoy basic ATM access for quick cash withdrawals or balance checks. While you can always visit us at 4 Hunter Brook Ln for any inquiries or assistance, please note that official correspondence should be sent to 4 Hunter Brook Ln, Queensbury, NY 12804-5858 if different from the branch address.

Join Us Today!

As we look forward to the future, Tct remains committed to being your trusted partner in finance. We invite you to explore all the benefits that come with membership. Connect with us today at 518-793-1958 or visit our website for more information on how you can become part of our family!

Our Mission

At the heart of Tct is our mission: to empower our members by providing accessible financial services while fostering community support and engagement. We aim not just to be a bank but a resource for personal and business success. Whether it's through auto loans, mortgage refinancing, or credit card rewards programs, we strive to meet diverse needs with a focus on customer satisfaction. We also understand that modern banking requires adaptability. That's why we have embraced digital advancements that allow our members to manage their finances effortlessly through online banking and mobile payments. Additionally, with ADA-compliant facilities and a drive-thru service available, we ensure that everyone can access our services comfortably.

Branch Location & Accessibility

Accessibility Features

Your comfort is our priority. At Tct, we offer ample parking spaces and ADA-compliant features to ensure all members can easily visit us. Whether you're stopping by for a quick transaction or seeking financial advice, our friendly staff is here to help.

Convenient Services

We understand that life can get busy, which is why we provide a range of services right at your fingertips. Enjoy the convenience of drive-thru banking, available for deposits, withdrawals, and simple transactions. Plus, our ATM offers 24/7 access for cash withdrawals and balance checks.

Operating Hours

We're open during convenient hours to fit your schedule. Visit us on weekdays from 5-Sep, where our team is ready to assist you with personal banking needs, auto loans, mortgage options, and more. While members can visit us at 4 Hunter Brook Ln Queensbury Ny 12804, official correspondence should be sent to 4 Hunter Brook Ln, Queensbury, NY 12804-5858. If you have any questions or would like more information about our services, don't hesitate to reach out at (518) 793-1958. We look forward to welcoming you to Tct soon!

Member Eligibility

Becoming a member of Tct is like opening the door to a friendly community where everyone looks out for one another. If you live, work, worship, or attend school in Warren County, you're already eligible to join us! We believe that everyone deserves access to personalized financial services that truly make a difference in their lives. With membership at Tct, you'll enjoy benefits such as competitive rates on loans and savings accounts, along with exceptional customer service tailored just for you. Joining is simple! You can start your journey by visiting our website at https://tctfcu-cloud.lending360.com/accountopening/application?membershipanchorset=true#/membership to learn more about eligibility requirements. When you're ready to open an account, check out the easy process outlined here: https://internetloanapplication.cudl.com/tct/. If you have any questions or need assistance, don't hesitate to call us at (518) 793-1958. We're excited to welcome you into our family at Tct, located at 4 Hunter Brook Ln Queensbury Ny 12804!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In today's competitive marketplace, efficient payment processing is crucial. Our merchant services streamline transactions, allowing you to focus on what you do best running your business. Whether it's accepting card payments or managing online sales, we provide tools that enhance customer experience and improve cash flow. Located at 4 Hunter Brook Ln Queensbury Ny 12804 in Queensbury, NY, we are here to partner with you every step of the way. Let us help you navigate the path to success! For more information, feel free to call us at (518) 793-1958.

Tailored 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 the financial backing to invest in new equipment, expand your operations, or boost your marketing efforts. Our loan products can help turn these ideas into reality.

Comprehensive List Of Services

Additional Financial Services

Need a little extra cash? Our Personal Loans & Debt Consolidation services can assist you in achieving financial flexibility. Whether it's funding a special project or consolidating high-interest debt, we're here to support you. In today's world, having access to credit is important. That's why we offer Credit Cards with Rewards that not only give you purchasing power but also earn you rewards on your everyday spending. If you're a business owner, you'll be pleased to know that we have tailored solutions for you too! Our Business Banking services include merchant services and business loans designed to help your company thrive in today's competitive environment.

Convenient Access Options

Accessibility is key at Tct. We provide convenient ATM & Cash Withdrawal Services, allowing you quick access to your funds whenever needed. Plus, if you prefer face-to-face interactions, our Basic Drive-Thru Banking offers deposits and withdrawals without needing to leave your vehicle. We also feature basic ATM access for withdrawals and balance checks so that you can manage your finances on the go without hassle. At Tct, we're more than just a credit union; we're part of the community in Queensbury. With friendly service at every turn and an array of financial products tailored just for you, we're here to help make your banking experience simple and effective. Ready to explore how we can support your financial needs? Give us a call at (518) 793-1958 or visit us at 4 Hunter Brook Ln Queensbury Ny 12804. Let's work together toward achieving your financial goals today!

Personal Banking Solutions

One of our core offerings includes Personal Banking, which features both checking and savings accounts. Whether you're saving for a dream vacation or managing day-to-day expenses, our accounts are designed to help you achieve your goals. Imagine easily accessing your funds through Online & Mobile Banking right from your phone or computer. You can check balances, make transfers, and even pay bills with just a few clicks. When it comes to financing your vehicle, our Auto Loans & Vehicle Financing options offer competitive rates that can help you get behind the wheel without breaking the bank. Picture yourself driving off in that new car while knowing you secured a great deal with us! For those looking to purchase their dream home, we provide Mortgage Loans & Refinancing services. Our knowledgeable team will guide you through the mortgage process, making it as straightforward as possible. If you're already a homeowner, consider our refinancing options to potentially lower your monthly payments.

Digital & Online Banking

Get Started Today!

Whether you're at home or out and about, Tct ensures that managing your finances is both convenient and safe. Explore all that we have to offer by visiting https://www.tctfcu.org/ today!

Key Features

Our online banking service puts you in control with features that enhance your banking experience. Need to check your balance or pay bills? You can do it all with just a few clicks. Plus, our mobile application lets you manage your accounts on the go, giving you the flexibility to handle transactions whenever it suits you. With the option for electronic signature authorization, signing documents has never been easier or more secure. You don't have to worry about mailing paperwork back and forth; simply sign electronically and get things done faster.

Security and Convenience

Safety is our top priority. Our online banking services use advanced security measures to protect your information while ensuring a user-friendly experience. Your financial data is safeguarded, so you can focus on what really matters your life. We also offer e-statements for those who prefer going paperless. This not only helps reduce clutter but also allows you to view your statements anytime from anywhere. And if you ever need to send money quickly, our person-to-person transfer feature makes it simple to send funds directly from your account.

Financial Strength

Efficient Operations

Our $285,261 reflects our operational efficiency, enabling 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.

Growing Membership Base

Our total share accounts stand at 33,450, showcasing a strong and growing member base that trusts us with their finances. This reflects the confidence our members have placed in us as their financial partner. 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 4 Hunter Brook Ln Queensbury Ny 12804 or call (518) 793-1958 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.

Solid 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 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.

Strong Earnings Reinvestment

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 supported by $2,543 in used auto loans and $226,514,012 in total loans and leases, helping you achieve your financial goals across various sectors.

Loan Offering

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. We have options for both new and used vehicles, allowing you to choose what best fits your budget.

Credit Lines and Unsecured Loans

For those who need a little extra help managing expenses, we provide flexible terms on unsecured credit card loans, with a total of $10,691,303 in loans helping members manage their finances effectively. Additionally, our total credit lines available are $63,959,805, giving you more freedom to spend as needed.

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 aim to make the process straightforward so that you can focus on making your house a home.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, our team is ready to assist. We can guide you through the steps and help find the best solution for your financial situation. At Tct, we prioritize transparency and accessibility. Our goal is to ensure that every member feels confident in their financial choices. If you're interested in learning more about our loan offerings or if you have any questions, feel free to reach out at (518) 793-1958 or visit us at 4 Hunter Brook Ln Queensbury Ny 12804 in Queensbury, NY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you reach your financial goals!

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TCT FEDERAL CREDIT UNION - Queensbury, NY

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