TCT Newsletter

Curt Cecala, TCT Federal Credit Union's President and CEO, was recently honored with being inducted into the inaugural class of Alloya's Hall of Champions! This well-deserved recognition celebrates Curt's exceptional leadership, dedicated service, and lasting contributions to Alloya Federal Credit Union and the credit union movement.

Alloya unveiled the thier Hall of Champions during its annual Credit Union Leadership Symposium, which took place in Nashville from Sept. 9-11. The Alloya Hall of Champions was created to recognize individuals whose leadership and service have helped shape Alloya and advance the corporate credit union movement. Induction is reserved for those who have demonstrated exceptional dedication to the movement and whose belief in the Power of Cooperation is “legendary,” Alloya said.

“It has been my privilege to serve and work with the incredible people at Alloya,” said Curt Cecala, TCT FCU's CEO. “It is truly amazing what Alloya is today for its member credit unions from our humble start 15 years ago. To serve with so many talented volunteers past and present who care about credit unions and work with the wonderful management and staff of Alloya to help credit unions has and continues to be an honor.”

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.

Loan 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

The people who fall for scams aren’t necessarily careless. Often, they’re people who would have spotted the trick immediately if they’d been given another moment to think. That’s what a good scam is designed to prevent.

Urgency, authority, and fear: scammers use all three to keep you moving before your judgment has time to catch up. A scammer doesn’t need to fool you forever. They only need to rush you once.

Which is why the goal isn’t to become impossible to fool. It’s to have a simple response you can fall back on when the situation starts moving too fast. TCT Federal Credit Union sums that plan up in three words: Think, Check, Trust?  Each one creates a little distance between the pressure and your response, and puts your judgment back in charge. Together, they’re your best defense.

On October 15, 2026, credit union members around the world will celebrate International Credit Union Day^®, an annual event to commemorate the credit union movement’s impact and achievements.

This year marks the 78th anniversary of this annual event, which will be celebrated under the theme of “Cooperation for a Prosperous World”.

In honor of this special day, TCT FCU invites its members to visit their local branch and enjoy complimentary cider and cider donuts.

TCT is excited to bring our members exclusive 30% savings on Trust & Will in partnership with Love My Credit Union Rewards and Trust & Will.

Trust & Will is the leading estate planning platform that makes creating an estate plan super easy, 100% secure, legally valid and super affordable. Over 1 million families have created estate plans with Trust & Will.

• Convenient, easy-to-use online platform
• Legally binding documents created by attorneys and customized by you
• Wills start at just $139 and trusts start at $349 with the 30% limited-time savings

The 30% savings is only available October 1-31, 2026.

TCT now offers Student Savings and Student Checking accounts designed to help younger members practice saving, spending, and managing money responsibly, with guidance from a parent or guardian.

Now is a great time to help your student build smart money habits.

Student Savings

• No monthly fees, no minimum balance requirement
• Competitive monthly dividends of 3.00% Annual Percentage Yield (APY)* on balances up to $1,000
• Access to share certificates with low minimum balance options

Coming this November, all TCT Branches will again host Silver Bells for Seniors. These senior citizens have been our elders who cared for the communities in which we live. They are retired teachers, executives, first responders, and now are senior citizens who reside in local nursing homes.

Help TCT make their holiday wishes come true!

Look for the silver bell ornaments placed on TCT Branch Christmas trees around Thanksgiving time.

Discover opportunities tailored to you

My Offers will soon be available in TCT digital banking, giving you a quick, convenient way to view personalized offers you may be pre-qualified for, along with other special offers and member benefits.  Each time you log in, you can see opportunities designed to help you take the next step toward your goals.

• Find offers conveniently: View your personalized offers in the same place you already manage your accounts.
• Apply with ease: When you are ready, verify your information and move through a streamlined application process.
• Save time: Your personal details are pre-filled, so there is less information to enter.

Ready to see what is waiting for you?

Fund Your College Dreams: TCT Scholarships

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 2027. The program is designed to provide funds that would be used toward tuition, room and board, books, and school supplies.

Just last year, ten outstanding student members were each awarded a $1,000 scholarship in recognition of their hard work, leadership, and community involvement.