The Bulletin Board - A Newsletter for TCT Members
Pictured Above: TCT Staff volunteered at the 'Bite of Reality' interactive financial education event, hosted by the New York Credit Union Association (NYCUA).
October is Cybersecurity Awareness Month!
For more than 20 years this month has shined a spotlight on the importance of taking action to reduce risks when online and using connected devices.
Cyber threats don’t take time off.
As your trusted financial partner, TCT urges all of our members to take one action this month to improve your cybersecurity.
1. Update Software - Updating software and devices is the easiest way to stay protected from security threats. Perform updates as soon as they become available or set automatic updates.
2. Use Strong Passwords - All passwords should be:
- LONG: At least 16 characters
- RANDOM: Use a random string of mixed-case letters, numbers and symbols, like: Yuc8$RikA34%ZoPPao98t
- UNIQUE: Never reuse passwords
- Keep your passwords safe by using a PASSWORD MANAGER!
3. Turn on Multifactor Authentication: Multifactor authentication provides an extra layer of security for your accounts. Choose the most secure MFA method available. A physical security key provides the best protection and is easy to use.
4. Recognize and Report Phishing Scams: Keep an eye out for phishing and other scam attempts in your emails, texts, direct messages or phone calls. Always verify the sender before clicking links or downloading attachments. If you spot a scam, report it to TCT or to the Federal Trade Commission (FTC).
Add a Verbal Password to your TCT Accounts
All TCT Members are encouraged to add a verbal password to your account. A verbal password helps TCT Staff verify your identity over the phone and can defend your account from fraud. It is easy to add a verbal password to your TCT accounts - simply log in to Online/Mobile Banking and send us a secure message by clicking on the envelope icon. Alternatively, you can call TCT during business hours to add a verbal password.
Source: https://www.cisa.gov/cybersecurity-awareness-month
Life Moves Fast, Your Payments Should Too
Whether you're freelancing, driving, designing, or selling — TCT FCU is Proud to offer FedNow® Real-time Payments, helping you receive money instantly when you're paid through applications such as Square.
What is FedNow?
FedNow is an instant payment service developed by the Federal Reserve for financial institutions in the United States, which allows individuals and businesses to send and receive money in real time.
Benefits include:
Receive Payments Instantly - Receive money in seconds even on weekends and holidays, when platforms use FedNow
QuickBooks Financial Tracking - Link your QuickBooks account to easily manage income, expenses, and taxes
Improve Cash Flow - Whether you're an individual, small business, gig worker, or full-time freelancer, FedNow can help you stay financially agile.
Your gig income should move as fast as you do.
Receive payments in real-time when you use applications such as Square, and your TCT FCU account.
TCT is expanding our network of ATMs and Shared Branches to include the CO-OP Network.
As a TCT Member, you already have access to surcharge-free ATMs in 55,000+ Allpoint ATM locations. Coming soon - TCT will expand that access to include over 5,500 shared branches and 30,000 surcharge-free ATMs across the United States.
What is a shared branch?
Shared branching is a national network that allows members of participating credit unions to conduct financial transactions at any other credit union branch within the network. Even when traveling far from TCT branches, shared branching provides access to thousands of convenient credit union locations for services like deposits, withdrawals, transfers, and loan payments. Your accounts and membership remain with TCT, but you can access services at a shared branch with your TCT member number and a valid ID.
Benefits of shared branching include;
It's convenient for credit union members and helps them avoid out-of-network bank ATM fees.
You can conduct financial transactions at thousands of other participating credit unions. This gives you access to your money nationwide to do any of the following activities:
- Transfer funds to another account
- Deposit money
- Withdraw money
- Make a loan payment
- Cash checks
At shared branches, you won't be able to open new TCT accounts.
Finding a shared branch
Coming soon - Check tctfcu.org/Locations or TCT's mobile banking app to find participating credit unions in the CO-OP Shared Branching Network.
CO-OP ATMs and Shared Branches
Fund Your College Dreams: Now Accepting Scholarship Applications
TCT FCU is proud to announce a scholarship opportunity for college-bound students! In partnership with New York Credit Union Association (NYCUA), we are opening applications for high school seniors attending two- or four-year accredited educational institutions as well as vocational or trade schools in 2026. The program is designed to provide funds that would be used toward tuition, room and board, books, and school supplies.
Just last year, TCT awarded ten high school seniors an amount between $750 and $1,000 to help finance their college education. At TCT we believe in the boundless potential of our young scholars. This scholarship is more than financial support; it's a belief in their dreams and an investment in our community's future. We encourage all eligible students to apply and wish them success in their academic pursuits.
Who Is Eligible?
Read More » 
With TCT’s Skip-A-Payment program, you may request to skip your qualified loan payment in November or December.
There is a $30 fee per loan skipped. Only one payment can be skipped per loan from November 1 - December 31. You must submit a 'Request to Skip' Form, available on our website, before your payment is due.
Loans Types Eligible for Skip-A-Payment;
- Auto Loans (excluding Payment Saver Auto Loans)
- Personal Loans, Personal Line of Credit
- Overdraft Line of Credit
- Share Secured Loans
Look for TCT’s Holiday Loan Special to begin in November!
Looking for a car but tired of the hassle?
Say hello to convenience with TCT's streamlined process and newly lowered auto loan rates!
Everything you need for the entire car buying journey is right at your fingertips.
With EZ Car Finder, you can browse millions of cars, trucks, and SUVs, right from your computer or smartphone.
Dive into vehicle details with free CARFAX™ reports for most vehicles, crunch the numbers with financial calculators, compare estimated monthly payments, and price comparisons to guide your decisions. As with every decision we make at TCT, your privacy is our priority! With EZ Car Finder you never have to provide any personal information to dealers, protecting you from spam and third-party data sales.
Your dream car is just a click away with TCT Federal Credit Union. Visit our website and discover the EZ way to find, finance, and protect your next ride!
Read More » 
TCT is excited to bring you an exclusive limited time offer of 30% off any estate plan with Trust & Will through the Love My Credit Union Rewards Program.
Whether you’re creating a Will to protect your loved ones or setting up a Trust to secure your assets, Trust & Will makes the process simple, secure, legally valid, and affordable.
The limited time offer is only available during Estate Planning Awareness month, October 1-31, 2025. Start your estate plan today!
Trust & Will is the leading estate planning platform offering:
- Easy-to-use online guided platform
- Legally binding documents created by attorneys and customized by you
- Best-in-class member support to help you through the process
- Wills start at just $139 and Trusts start at $349 with the 30% limited-time offer
Vist TCT on Thursday, October 16th
This October 16, visit your local TCT branch and enjoy complimentary cider and donuts as we join more than 74,000 credit unions from 104 countries to celebrate the 77th anniversary of International Credit Union Day®.
Credit unions strive to make the world a better place for their members by offering affordable rates and high-quality service that simplify their lives and empower them to meet their financial goals.
What is International Credit Union (ICU) Day®?
- ICU Day has been celebrated on the third Thursday of October since 1948 and is designed to create awareness and celebrate the ways credit unions improve the lives of their members around the world.
All school employees are eligible to win!
TCT FCU and Adirondack Broadcasting are proud sponsors of the Teacher of the Week Program. One special school employee is announced on-air each week from the nominations submitted by students, parents, fellow faculty, and staff. Nominate someone making a difference in your school community. All school district employees are eligible to win!
If you know of a school employee who does an extraordinary job and goes above and beyond for you or your child, we want to hear about it. A nomination of 100 words or less should be submitted to teacher@adirondackbroadcasting.com explaining why this nominee should be Teacher of the Week.
Prizes provided by:
- Habitat for Humanity ReStore at exit 17N
- Hair Creations
- Stewart’s Shops
- A Lasting Impression Florist
- Coopers Cave Ale Company
Nominate Someone Special Today!
Holiday Closings
- October 13th, 2025: Columbus Day - Closed
- November 11th, 2025: Veterans Day - Closed
- November 27th, 2025: Thanksgiving - Closed
- November 28th, 2025: Thanksgiving - Closed
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TCT Supports the Trades Grant
TCT Members can request funding for furthering their trade careers by applying for the TCT Support the Trades Grant.
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