Share the Love



Earn up to $25 for each new member you refer

We're making it easier than ever to refer a new member to TCT. Simply refer someone you know who would like to support their community by borrowing locally or who could benefit by saving money with lower cost banking.


"We cannot say enough good things about TCT and the ease of doing business. Everyone is always happy to help and willing to go the extra mile to resolve any issues. Great customer service goes a long way." - A.W.


How does this work?

You choose whether to send referrals by email or face-to-face.

  • By Email - Sign up for our email list and we will email you a unique Referral Code that is associated with your name and email address. Forward the email to someone and they must mention the referral code when they open a new TCT account.

  • Face-to-Face - Print the Referral Form, fill out your name and phone number under "MEMBER" and then give the forms to family and eligible coworkers. Printed referral forms are also available at our branches. Please stop in or call us with any questions.


Who's Eligible to Join?

Family - Your Immediate family members may join. They include your spouse, children, parents, siblings, grandparents, grandchildren and household members.


Coworkers - If you're eligible for membership through your workplace, so are your coworkers. View a complete list of over 180 eligible Member Groups on our website.


Students - Students, and family members of a student at: Ballston Spa Central School, Cambridge Central School, Lake George Central School, Stillwater Central School, and SUNY Adirondack are all eligible.


"I love going in and seeing friendly faces and being able to carry on a conversation with the people who work there. They are like family and that's how they treat you as their member." - J.L.


The fine print:

*Referring member receives $25 for each new member they refer who opens a checking account or a loan, or $10 for each new member they refer who opens a savings account.

New Member must meet membership eligibility requirements. Existing primary and joint owners opening a new account do not qualify as a new member. Former members qualify as a new member provided their previous account was closed six months prior to the date of reopen and no loss was incurred with the prior account(s).

Member referral bonuses are taxable dividends and will be reported on IRS 1099-INT.

TCT FCU employees are ineligible for referral bonuses. The first member who refers an eligible new member will receive the referral bonus. TCT FCU may modify the terms of the referral program without prior notice and reserves the right to end this program at anytime.




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