Featured Savings Rates
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TCT Federal Credit Union

Popular Accounts at this Credit Union

1.75%5-year CD60 Month Savvy Saver CD
0.35%1-year CD12 Month CD
0.15%SavingsRegular Share

Overview / Commentary
416 Rowland St
Ballston Spa, NY 12020

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 1,045th largest credit union in the nation. It was established in 1959 and as of September of 2017, it had grown to 52 employees and 12,825 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


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Health Grade Components

NCUA #12957
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD7.97%
Annual Interest Income$5.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$195.8MM$188.4MM
LoansQ3 2017vs Q3 2016$148.1MM$133.7MM
DepositsQ3 2017vs Q3 2016$167.2MM$159.4MM
Equity CapitalQ3 2017vs Q3 2016$15.6MM$14.9MM
Loan Loss AllowanceQ3 2017vs Q3 2016$793.00K$643.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$447.00K$594.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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* 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*-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%--Sub-Share Club Accounts

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

1.75%$1k-60 Month Savvy Saver CD
1.50%$1k-39 Month Savvy Saver CD
1.35%$1k-13 Month Savvy Saver CD
1.25%$1k-7 Month Savvy Saver CD
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

1.75%$1k-60 Month Savvy Saver IRA
1.50%$1k-39 Month Savvy Saver IRA
1.35%$1k-13 Month Savvy Saver IRA
1.25%$1k-7 Month Savvy Saver IRA
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