Tct Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.35%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.15%	Savings	Regular Share 1.20% - Goldman Sachs Bank USA Online Savings
1.00%	3-year CD	36 Month CD 1.85% - Synchrony Bank 36 Month CD

View all Tct Federal Credit Union rates »

Overview / Commentary

www.tctfcu.org

416 Rowland St
Ballston Spa, NY 12020

Tct Federal Credit Union is headquartered in Ballston Spa and is the 53^rd largest credit union in the state of New York. It is also the 1,057^th largest credit union in the nation. It was established in 1959 and as of March of 2017, it had grown to 53 employees and 12,644 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.
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Health

A

Data as of Q1 2017

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Health Grade Components

Overall
NCUA #	12957
Year Chartered	1959
Employees	53
Primary Regulator

Profit Margin
Return on Assets - YTD	0.59%
Return on Equity - YTD	7.62%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$192.3MM$180.3MM
Loans	Q1 2017vs Q1 2016	$137.7MM$122.2MM
Deposits	Q1 2017vs Q1 2016	$166.1MM$158.0MM
Equity Capital	Q1 2017vs Q1 2016	$14.9MM$14.3MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$743.00K$602.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$411.00K$588.00K
Real Estate Owned	Q1 2017vs Q1 2016	$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^*	-	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

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
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
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