TCT Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.75%	5-year CD	3.10% - Barclays 60 Month Online CD
0.35%	1-year CD	2.75% - Barclays 12 Month Online CD
0.15%	Savings	0.27% - National Average

View all TCT Federal Credit Union rates »

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 1,023^rd largest credit union in the nation. It was established in 1959 and as of December of 2018, it had grown to 53 employees and 13,142 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.
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Health

B+

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	12957
Year Chartered	1959
Employees	53
Primary Regulator

Profit Margin
Return on Assets - YTD	0.71%
Return on Equity - YTD	8.83%
Annual Interest Income	$7.9MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$212.8MM$200.7MM
Loans	Q4 2018vs Q4 2017	$166.9MM$152.5MM
Deposits	Q4 2018vs Q4 2017	$182.4MM$171.9MM
Equity Capital	Q4 2018vs Q4 2017	$17.0MM$15.8MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$841.00K$783.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$544.00K$621.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Money Market
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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
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%	$5	-	Regular Share
0.15%	-	-	Sub-Share Club Accounts

TCT Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
2.75%	$1k	-	60 Month Savvy Saver CD
2.70%	$1k	-	7 Month Savvy Saver CD
2.65%	$1k	-	13 Month Savvy Saver CD
2.65%	$1k	-	39 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

APY	MIN	MAX	ACCOUNT NAME
2.75%	$1k	-	60 Month Savvy Saver IRA
2.70%	$1k	-	7 Month Savvy Saver IRA
2.65%	$1k	-	13 Month Savvy Saver IRA
2.65%	$1k	-	39 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 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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