TCT Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.75% | 5-year CD | 60 Month Savvy Saver CD 3.00% - Barclays 60 Month Online CD |
| 0.35% | 1-year CD | 12 Month CD 2.30% - Ally Bank High Yield 12-Month CD |
| 0.15% | Savings | Regular Share |
TCT Federal Credit Union is headquartered in Ballston Spa and is the 51st largest credit union in the state of New York. It is also the 1,049th largest credit union in the nation. It was established in 1959 and as of March of 2018, it had grown to 53 employees and 12,951 members at 4 locations. TCT Federal Credit Union's money market rates are 48% higher than the national average, and it has a B+ 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
Data as of Q1 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 12957 |
| Year Chartered | 1959 |
| Employees | 53 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.93% |
| Return on Equity - YTD | 11.86% |
| Annual Interest Income | $1.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2018vs Q1 2017 | $201.0MM$192.3MM |
| Loans | Q1 2018vs Q1 2017 | $154.9MM$137.7MM |
| Deposits | Q1 2018vs Q1 2017 | $174.6MM$166.1MM |
| Equity Capital | Q1 2018vs Q1 2017 | $15.8MM$14.9MM |
| Loan Loss Allowance | Q1 2018vs Q1 2017 | $763.00K$743.00K |
| Unbacked Noncurrent Loans | Q1 2018vs Q1 2017 | $512.00K$411.00K |
| Real Estate Owned | Q1 2018vs Q1 2017 | $0$0 |
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
TCT Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
TCT Federal Credit Union IRA Rates
| TCT Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 520 Vischer Ferry Rd | Clifton Park, NY 12065 |
| Branch Office | 17 Gilbert St | Cambridge, NY 12816-2614 |
| Branch Office | 416 Rowland St | Ballston Spa, NY 12020 |
| Branch Office | 4 Hunter Brook Ln | Queensbury, NY 12804-5858 |