TCT Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.tctfcu.org

518-884-7002

416 Rowland St
Ballston Spa, NY 12020

TCT Federal Credit Union is headquartered in Ballston Spa and is the 50^th largest credit union in the state of New York. It is also the 1,069^th largest credit union in the nation. It was established in 1959 and as of March of 2025, it had grown to 64 employees and 14,463 members at 4 locations. TCT Federal Credit Union 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+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	12957
Year Chartered	1959
Employees	64
Primary Regulator

Profit Margin
Return on Assets - YTD	0.29%
Return on Equity - YTD	3.89%
Annual Interest Income	$3.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$281.8MM$296.5MM
Loans	Q1 2025vs Q1 2024	$220.3MM$224.9MM
Deposits	Q1 2025vs Q1 2024	$249.7MM$238.8MM
Equity Capital	Q1 2025vs Q1 2024	$20.9MM$18.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$594K$708K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$462K$531K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$5	-	Regular Share
0.10%	$0	-	Sub-Share Club Accounts

TCT Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	$60k	-	Money Market Special
0.25%^*	$50k^*	-	Regular Money Market
OTHER TIERS: 0.15% → $500 - $25k \| 0.20% → $25k - $50k

TCT Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.60%	$1k	-	6 Month CD
3.60%	$1k	-	6 Month CD Special
1.40%	$1k	-	7 Month CD
0.65%	$1k	-	60 Month CD
0.60%	$1k	-	36 Month CD
0.55%	$1k	-	24 Month CD
0.50%	$1k	-	18 Month CD
0.50%	$1k	-	13 Month CD
0.35%	$1k	-	12 Month CD
0.30%	$1k	-	9 Month CD

TCT Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.60%	$1k	-	6 Month IRA
1.40%	$1k	-	7 Month IRA
0.65%	$1k	-	60 Month IRA
0.60%	$1k	-	36 Month IRA
0.55%	$1k	-	24 Month IRA
0.50%	$1k	-	18 Month IRA
0.50%	$1k	-	13 Month IRA
0.45%^*	$250k^*	-	IRA Share
OTHER TIERS: 0.25% → $0 - $100k \| 0.35% → $100k - $250k
0.35%	$1k	-	12 Month IRA
0.30%	$1k	-	9 Month IRA

Locations

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

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