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

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.

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.

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.

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.

Shopping for a car has a way of speeding up the moment you get serious. One minute you’re comparing models and imagining a more comfortable commute. The next, you’re doing monthly payment math, thinking about your trade-in, and deciding which “extras” are actually worth it.

That’s why many TCT Federal Credit Union members start with the financing side first. A clear plan can change the whole car-buying experience, especially when you know your budget, your options, and what to expect before you ever step onto a lot.

TCT is built to make that process easier. As a one-stop auto buying shop, the credit union helps members find, finance, and protect their next vehicle—giving members purchase power and clarity, without the need to haggle on the lot just to stay within budget.