TCT Newsletter

The Federal Reserve and Bureau of Consumer Financial Protection have amended Regulation CC to adjust certain dollar amounts outlined in our Funds Availability Policy Disclosure, for inflation. 

These changes are effective July 1, 2025: 

The minimum amount of deposited funds that we must make available for withdrawal by the next business day for certain check deposits (e.g., the amount that we initially make available to you) will be changed from $225 to $275. 

The amount of funds deposited in a new account that we must make available for withdrawal by the next business day will be changed from $5,525 to $6,725. 

The amount of funds from check deposits that exceed the aggregate amount allowed on any one banking day will be changed from $5,525 to $6,725.

REVIEW POLICY

Share: Share on Facebook: Important: Notification of Change to Our Funds Availability Policy Share on Twitter: Important: Notification of Change to Our Funds Availability Policy

Lunch is on us!

As a thank you for your loyal membership, we'd like to invite you and your family members to our Member Appreciation Cookouts happening each Thursday in July.

Starting at 11:00 am, stop by your local branch for a free lunch including hot dogs, chips, cookies, and water.

From 1:00-4:00 pm (2-5 in Milton) we'll offer refreshing frozen desserts.

Plus, you'll have a chance to enter to win some backyard summer games in our raffle**, meet and mingle with fellow TCT Members and your Credit Union Staff.

Cookout Dates:

Share: Share on Facebook: Member Appreciation Cookouts Share on Twitter: Member Appreciation Cookouts

Pictured: (left-right): Laura Meeker (TCT Member Service Representative), Paige Cerny (Queensbury Assistant Branch Manager), Isabel Ruff (TCT Member Service Specialist) and Melissa Bradlinksi (AmeriCU Credit Union Sr. Mortgage Executive).

Your home is one of the biggest investments you’ll make in your life. To qualify for a mortgage loan, you’ll need to complete an application, which serves as a comprehensive financial profile. Effective collaboration with a mortgage lender can simplify the process.

TCT is proud to partner with AmeriCU Credit Union to provide our members with expert support and assistance throughout the entire homebuying process. All mortgage loans are originated through AmeriCU Credit Union, a full-service, member-owned credit union serving members from 24-counties in Upstate New York, including Central New York, the Mohawk Valley, Northern New York and the Southern Tier. 

Share: Share on Facebook: Meet Your Mortgage Executives Share on Twitter: Meet Your Mortgage Executives

In times like these—when uncertainty looms and every financial decision feels more significant—it’s more important than ever to partner with a financial institution that puts people before profits,” says Peter Trombley, Chairperson of the Board for TCTFCU.

Trombley’s words reflect the growing reality many people face today. Financial safety concerns continue to rise, with scams and identity theft targeting Americans of all backgrounds. With National Safety Month approaching, there’s no better time to strengthen your financial security—and no better partner than TCT Federal Credit Union, where member protection has been a priority for 65 years.

Read More - When It Comes to Financial Security, Trust the Credit Union That Puts Members First

Share: Share on Facebook: When It Comes to Financial Security, Trust the Credit Union That Puts Members First Share on Twitter: When It Comes to Financial Security, Trust the Credit Union That Puts Members First

Make this summer a season of self care, especially financial self care.

While summer can be a busy time, it also offers a much-needed break from school schedules and sports, making it the perfect time for a mid-year financial checkup. School employees, take advantage of this opportunity to visit with a TCT Member Service Specialist to review your financial goals, gain clarity, and achieve greater peace of mind.

All TCT Members are invited to schedule an appointment for a mid-year financial check-up. Create a solid plan that gives you freedom, control, and confidence in your finances. As a special thank you to our school employees, who are the very roots of our credit union, those who schedule an appointment will receive a Summer Care Gift Bag from your friends at TCT!

Share: Share on Facebook: Savor Summer with Financial Self Care at TCT Share on Twitter: Savor Summer with Financial Self Care at TCT

Congratulations to the 2024-25 Teacher of the Year, Mr. Tim Balcolm, a 5th Grade Teacher at Argyle Central School.

Mr. Balcom is clearly making an impact in the day of his students. He is a great teacher because he is fun, fair, and very knowledgeable! He always makes his students feel important and builds up their self-confidence! He has a real love for teaching, and it shows every day in his classroom. He often brings his guitar to class and creates a fun environment by playing only the best classic rock hits for his students! Thanks again to Mr. Tim Balcom for the passion and love you have for teaching at the Argyle Central School. That's why you are the Teacher of the Year.

Congratulations to all the 2024–25 Teacher of the Week Recipients and to all School Employees on another succesful year! 

TCT and Adirondack Broadcasting proudly sponsor the Teacher of the Week Program, honoring school employees making a positive impact in the lives of our students and communities.

Learn more and NOMINATE A SPECIAL SCHOOL EMPLOYEE

Share: Share on Facebook: Teacher of The Year Awarded Share on Twitter: Teacher of The Year Awarded

August is National Make-a-Will month and the perfect time to finally get your Will or Trust in place. Studies show that over 65% of US adults do not have an estate plan in place. We get it, the traditional way of creating a Will or Trust is costly, time consuming, and overwhelming. That’s why TCT has partnered with Trust & Will to bring our members an incredibly easy and affordable way for everyone to finally get their Will or Trust done.

Trust & Will is the leading estate planning platform offering:

Share: Share on Facebook: August is National Make-a-Will Month - Get Savings of 20% off Trust & Will Share on Twitter: August is National Make-a-Will Month - Get Savings of 20% off Trust & Will

TCT’s VISA® Platinum Credit Card offers fixed low rates, no annual fee, the convenience of Apple Pay and Google Pay, plus UChoose Rewards® with redemption options. 

UChoose Rewards® Redemption Options:

• Apple Store
• Cash Back
• Merchandise
• Pay with Points
• Pay with Points - Amazon
• Travel

Learn more about TCT's Platinum Visa Credit Card and apply online. 

Share: Share on Facebook: Compare your card and save! Share on Twitter: Compare your card and save!

Many students will need more funding than what is included in their financial aid package. Our private education line of credit can cover everything from tuition to lab fees.

Top 3 non-tuition funding needs:

• Off-campus housing, such as rent for an apartment

• Textbooks or other necessary supplies for classes

• Technology including a laptop, printer, or scientific calculator

Smarter, simpler, and built for your education journey.

Share: Share on Facebook: TCT Can Help Pay for More than Tuition Share on Twitter: TCT Can Help Pay for More than Tuition

Rates as low as 4.99% APR* with a 12-month term

Summer fun adds up fast! TCT is here to help with a personal loan special offering a lower rate than most credit cards. A TCT summer loan allows you to stretch your budget over 12 months. Available for a limited time only, must apply now - September 30, 2025.  

Getting started is simple, with quick or instant approval online

*Annual Percentage Rate (APR) for this loan special is as low as 4.99% APR for up to a 12-month term and includes a 0.25% APR discount for automatic payment through a TCT checking account or payroll deduction. Your rate may vary based on individual creditworthiness. A sample payment based on the disclosed rate of 4.99% APR for a 12-month term, the monthly principal and interest payment would be $85.61 per $1,000 financed. This loan special is available for a limited time, must apply June 21 - September 30, 2025.

Share: Share on Facebook: Relax TCT has you covered with a Summer Loan Special Share on Twitter: Relax TCT has you covered with a Summer Loan Special

Ballston Spa, NY, May 23, 2025 — The TCT Federal Credit Union (TCT) is pleased to announce the recipients of the 2025 TCT Academic Scholarships. Ten scholarships ranging from $750 – 1,000 were awarded to 10 bright, hardworking young credit union members.

Share: Share on Facebook: TCT FCU Announces 2025 Scholarship Recipients Share on Twitter: TCT FCU Announces 2025 Scholarship Recipients

TCT Federal Credit Union Now Accepting Grant Applications

TCT Federal Credit Union (TCT) is pleased to announce their new TCT Supports the Trades Grant to assist members entering the trades. Monday, April 21, 2025, marks the opening of applications for the new program.

Who is Eligible: This grant is available to members 16 and older, at any stage of any life who are enrolled in, or have completed a trade school program, and have a financial need.

Share: Share on Facebook: Fund Your Career Dreams: TCT Now Accepting Grant Applications Share on Twitter: Fund Your Career Dreams: TCT Now Accepting Grant Applications