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Overview / Commentary
416 Rowland St
Ballston Spa, NY 12020

Tct Federal Credit Union is headquartered in Ballston Spa and is the 52nd largest credit union in the state of New York. It is also the 1,040th largest credit union in the nation. It was established in 1959 and as of December of 2016, it had grown to 53 employees and 12,585 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 - YTD0.62%
Return on Equity - YTD8%
Annual Interest Income$6.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$190.5MM$175.3MM
LoansQ4 2016vs Q4 2015$137.5MM$119.2MM
DepositsQ4 2016vs Q4 2015$162.0MM$153.9MM
Equity CapitalQ4 2016vs Q4 2015$14.6MM$13.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$686.00K$581.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$535.00K$524.00K
Real Estate OwnedQ4 2016vs Q4 2015$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*-Traditional IRA Share
OTHER TIERS: 0.25% Up to $50k | 0.45% $50k - $100k | 0.55% $100k - $150k | 0.90% $150k - $250k
1.10%*$250k*-Roth 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%--Club Account
0.15%--Vacation Club Account
0.15%--Holiday Club Account

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

1.00%$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

1.00%$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