Overview / Commentary
416 Rowland St
Ballston Spa, NY 12020

TCT Federal Credit Union is headquartered in Ballston Spa and is the 50th largest credit union in the state of New York. It is also the 1,023rd 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.
See current membership details


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Health Grade Components

NCUA #12957
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD8.83%
Annual Interest Income$7.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$212.8MM$200.7MM
LoansQ4 2018vs Q4 2017$166.9MM$152.5MM
DepositsQ4 2018vs Q4 2017$182.4MM$171.9MM
Equity CapitalQ4 2018vs Q4 2017$17.0MM$15.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$841.00K$783.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$544.00K$621.00K
Real Estate OwnedQ4 2018vs Q4 2017$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*-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

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

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

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

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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