TCT is here to help as a guide on your financial journey.
Our credit union provides a variety of banking services to those in Saratoga County, NY and the surrounding communities. From home equity and debt consolidation loans to student loan refinancing, our staff and partners strive to provide the resources necessary to help build and maintain your financial well-being. If you have any questions, contact any of our branch locations today!
Your Degree. On Your Terms.
TCT Federal Credit Union is here to help cover college costs when federal funding falls short.
College costs don’t come all at once, and our solution is built with that in mind. TCT Federal offers an education line of credit with greater flexibility for students & families than traditional private student loans*.
With an education line of credit from TCT, you get built-in flexibility to borrow what you need, when you need it—all from a single, pre-approved line.
Even if you’re unsure of the college you’ll be attending or the exact loan amount you may need, you can establish your private education line of credit with TCT today. Then, when you’ve finalized the details, we’ll be ready when you are.
Learn more about our private student lending solutions or get started on your application today!
What to Know About this Summer's Lending Changes
The One Big Beautiful Bill (OBBB) will bring new borrowing limits for federal Parent PLUS and the elimination of Grad PLUS loans starting this July.
That’s where TCT Federal Credit Union's line of credit solution can help.
WHY A LINE OF CREDIT?
One application, one account, and years of funding available to cover your entire degree.*
Access your line whenever you need it – for unexpected tuition costs, books, or housing.
Dive deeper into our student loan solutions & get started today.
Want more information on what's changing? Read our blog for a clear breakdown of the One Big Beautiful Bill Act (OBBB).
Borrow Responsibly.
*All lines of credit are subject to annual review and credit qualification. Must meet school's Satisfactory Academic Progress (SAP) requirements.
Federally Insured by NCUA | Equal Opportunity Lender
Congratulations to the 2026 TCT Scholarship Recipients
TCT Federal Credit Union is proud to announce the 2026 recipients of its Academic Scholarships. Ten outstanding student members were each awarded a $1,000 scholarship in recognition of their hard work, leadership, and community involvement.
Each year, TCT awards scholarships to graduating high school seniors who demonstrate academic achievement, leadership, community service, and a commitment to the credit union philosophy of “People Helping People.” Applications are reviewed by representatives of the New York Credit Union Association (NYCUA). This year’s recipients are:
- Kendall Hamilton — Greenwich Jr./Sr. High School Kendall also received a NYCUA Statewide Scholarship!
- Caitlin Scott — Queensbury High School
- Kittery VanGuilder — Hadley Luzerne High School
- Caroline Short — South Glens Falls High School
- Colin Giumarra — Queensbury High School
- Braden Pisani — Hudson Falls High School
- Jace Hubert — Bolton Central High School
- Addison Swan — North Warren Central School
- Ashley Moses — Cambridge Central High School
- Riley Johnson — Glens Falls High School
Using Your Home’s Equity for Renovations: Smart or Risky?
Renovate Now, Pay Smart: The Truth About Home Equity Loans and Lines of Credit
Home renovations can breathe new life into your space, improve comfort, and even increase your property’s value. But when it comes to financing those upgrades, many homeowners turn to home equity. The question is: is this a smart financial move—or a risky one?
Let’s break it down so you can make an informed decision.
Protecting Against Deed Fraud: Why Monitoring Your Home Title Matters
Deed fraud, also known as home title theft, occurs when criminals forge documents to illegally transfer property ownership. This can result in fraudulent sales or mortgages, and although it’s relatively rare, the consequences are severe—ranging from significant financial loss to major emotional distress. Victims often face lengthy and costly legal battles to reclaim their property. That’s why regular monitoring of your property records is essential—it enables early detection and fast, effective action to stop scammers in their tracks.
Gary Fishlock Recognized Nationally for His Impact on the Credit Union Movement
TCT Federal Credit Union (TCT FCU) is proud to announce that Board Member Gary Fishlock was recently recognized as one of eighteen professionals nationwide to receive the Credit Union House Hall of Leaders Award.
“I am honored to contribute to the safety and soundness of the credit union industry,” Fishlock said.
Each year, Credit Union House recognizes individuals who have made a significant and lasting impact on the credit union movement. These leaders and advocates are permanently honored on the Hall of Leaders wall in Washington, D.C.
Device Protection - Is Your Personal Information Safe?
Your phone, tablet, and computer do far more than help you get through the day—they’re the front door to your financial world. Whether you’re using mobile banking, paying bills online, shopping, or checking email, these devices hold and access sensitive personal and financial information. That’s why keeping them secure matters so much. We are here to share a few simple habits that can go a long way toward reducing the risk of unintentionally exposing your information through the technology you rely on.
Learning Lab+ Online Courses
GreenPath’s Learning Lab+ provides courses to enable a better understanding of money for a healthy financial life.
Do you have Peace of Mind?
A TCT Peace of Mind Checking account comes with enhanced checking benefits and extra features to protect you and your lifestyle.
Savor Summer Special
Going on now - September 30th, stretch your budget with a special low rate personal loan!