Featured Savings Rates
Featured Accounts

TCT Federal Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
518-884-7002
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 1,049th 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

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Health
B+

Health Grade Components

Overall
NCUA #12957
Year Chartered1959
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD11.86%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$201.0MM$192.3MM
LoansQ1 2018vs Q1 2017$154.9MM$137.7MM
DepositsQ1 2018vs Q1 2017$174.6MM$166.1MM
Equity CapitalQ1 2018vs Q1 2017$15.8MM$14.9MM
Loan Loss AllowanceQ1 2018vs Q1 2017$763.00K$743.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$512.00K$411.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-7 Month Savvy Saver CD
1.75%$1k-13 Month Savvy Saver CD
1.75%$1k-39 Month Savvy Saver CD
1.75%$1k-60 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-7 Month Savvy Saver IRA
1.75%$1k-13 Month Savvy Saver IRA
1.75%$1k-39 Month Savvy Saver IRA
1.75%$1k-60 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
Locations


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

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