About Us

Why TCT?

If you are considering whether TCT Federal Credit Union is a 'fit' for you, we hope these questions will help you make an informed decision.


Q | What makes TCT different or better than another bank or credit union?

A | We are a not-for-profit, member-owned financial cooperative. Whereas banks have a profit-driven business model, credit unions are people-driven. One example is when you call one of our offices, instead of hearing "Press 1 for this, Press 2 for that," you will hear; "Thank you for calling TCT, how may I help you?" No automated phone systems here, our staff are ready and able to assist you with any inquiry. We have no minimum balance requirement, no monthly maintenance fee, and we'll give you the first $5 to open your account


Q | What does 'TCT' stand for?

A | Originally TCT was an acronym for Tri-County Teachers. We were founded in 1959 by a small group of teachers who wanted the ability to loan each other money when banks would not. We have expanded and now serve over 120 member groups and over 12,000 members.


Q | How do your rates compare to other banks and credit unions? How about fees?

A | TCT rates are extremely competitive. Because we are a not-for-profit, the money we make goes to lowering lending rates, keeping fees to a minimum, and investing back into services. Plus, as a new member you are eligible for a loan rate discount up to .50%. Real estate, credit cards, student loans, and revolving lines of credit do not qualify for the rate discount..


Loan Rates | Deposit Rates | TCT Credit Card    


Q | What if I travel and/or live out of the area for part of the year? I need a bank that has branches anywhere.

A | TCT is part of the Allpoint Network. We have 4 branches locally and over 55,000 surcharge-free ATM's across the U.S. and internationally, plus we offer online and mobile banking. Locate and ATM


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Our Products and Services


TCT in the Community


Privacy and Security
TCT will never solicit confidential information from our members. We already have this information, so there is no need to contact you and ask you for it. If you are contacted and someone is asking about your TCT account information, its probably a scam. Please do not provide your TCT information to anyone. If you have a question call us toll free at 1-800-721-8288.


Contact us:
Have a question that wasn't answered? Contact us - we'd love to hear from you and answer any questions you have !


Milton/Ballston Spa Branch
416 Rowland Street, Ballston Spa, NY 12020

Clifton Park Branch
520 Vischer Ferry Road, Clifton Park, NY 12065
Cambridge Branch
17 Gilbert Street, Cambridge, NY 12816
Queensbury Branch
4 Hunter Brook Lane, Queensbury, NY 12804



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