Featured Savings Rates
Featured Accounts
Overview / Commentary
416 Rowland St
Ballston Spa, NY 12020

Tct Federal Credit Union is headquartered in Ballston Spa and is the 52nd largest credit union in the state of New York. It is also the 1,031st largest credit union in the nation. It was established in 1959 and as of June of 2016, it had grown to 52 employees and 12,367 members at 4 locations. Tct Federal Credit Union's money market rates are 48% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to employees or students of the Ballston Spa Central School District or the Cambridge Central School District. Membership is also open to employees of the credit union's select employer group.
See current membership details


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #12957
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD7.88%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$188.5MM$168.2MM
LoansQ2 2016vs Q2 2015$127.5MM$110.4MM
DepositsQ2 2016vs Q2 2015$161.2MM$153.2MM
Equity CapitalQ2 2016vs Q2 2015$14.8MM$12.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$553.00K$557.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$565.00K$797.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Tct Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Tct Federal Credit Union Savings Account Rates

1.10%*$250k*-Traditional IRA Share
OTHER TIERS: 0.25% Up to $50k | 0.45% $50k - $100k | 0.55% $100k - $150k | 0.90% $150k - $250k
1.10%*$250k*-Roth IRA Share
OTHER TIERS: 0.25% Up to $50k | 0.45% $50k - $100k | 0.55% $100k - $150k | 0.90% $150k - $250k
0.15%--Regular Share
0.15%--Club Account
0.15%--Vacation Club Account
0.15%--Holiday Club Account

Tct Federal Credit Union Money Market Rates

0.65%$60k-Money Market Special
0.55%*$50k*-Regular Money Market
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $25k | 0.40% $25k - $50k

Tct Federal Credit Union CD Rates

1.00%$1k-36 Month CD
0.65%$1k-24 Month CD
0.50%$1k-18 Month CD
0.35%$1k-12 Month CD
0.30%$1k-9 Month CD
0.25%$1k-6 Month CD

Tct Federal Credit Union IRA Rates

1.00%$1k-36 Month IRA
0.65%$1k-24 Month IRA
0.50%$1k-18 Month IRA
0.35%$1k-12 Month IRA
0.30%$1k-9 Month IRA
0.25%$1k-6 Month IRA

Tct Federal Credit Union Locations
Branch Office520 Vischer Ferry RdClifton Park, NY 12065
Branch Office17 Gilbert StCambridge, NY 12816-2614
Branch Office416 Rowland StBallston Spa, NY 12020
Branch Office4 Hunter Brook LnQueensbury, NY 12804-5858