No. You do not have to be a member to apply for a loan. However, you must become a member to close on a loan.
It’s easy to enroll in Pay Bills. Just log in to your account and click the "Bill Pay" link to access the short enrollment form.
You may reorder checks online.
You may also contact us to reorder checks at 1-800-721-8288.
To report a Lost or Stolen Debit Card or Credit Card: 1-800-721-8288
If you have misplaced your debit card, you can turn your debit card off using TCT’s mobile banking app. You will need your card's 16 digits and CVV to register the card with TCT Card Controls. (You will be prompted to download the TCT Card Controls app the first time you click on the menu option.)
How can I monitor my debit card use?
We recommend debit cardholders click on Debit Card Controls in TCT’s Mobile Banking App to add their cards. Find the menu option that says Debit Card Controls. From there, you can turn on real-time alerts when your debit card is used or declined. You can also set controls over the usage of your card and even turn the card on or off. You will need your card's 16 digits and CVV to register the card with TCT Card Controls. (You will be prompted to download the TCT Card Controls app the first time you click on the menu option.)
The annual mileage options are 7,500, 10,000, 12,000, 15,000, or 18,000, in addition to the current mileage on the odometer when financed. For example, if the borrower selects the annual mileage option of 15,000 and is in a four-year loan term, they may not accumulate more than 60,000 additional miles without incurring an excess mileage fee.
If the borrower exceeds the elected mileage allowance, he/she will be charged $.10 for each mile in excess of 60,000 miles if they elect to surrender their vehicle to AFG via the “walk-away” option at loan maturity. If the borrower elects to trade, refinance, sell or pay off the loan, over mileage fees are not applicable.
You can view your account transactions, transfer money between your TCT accounts or other banks, pay bills, deposit checks, apply for a loan, locate TCT locations, surcharge-free Allpoint ATMs, view e-Statements, send secure messages to TCT, update your email address, and password, view featured rates, and report a lost or stolen debit or credit card.
You may Open an Account online, or by visiting one of our branches. If a current TCT Member has referred you to join, enter their name in the ‘Who Referred You’ field, and you’ll both earn $5 referral rewards upon account opening. You can also visit your local branch to join TCT Federal Credit Union.
No. You do not have to be a member to apply for a loan. However, you must become a member to close on a loan.
Please note: If you have questions about your TCT accounts, please log in to Online Banking and click on 'Communications' to send us a secure message. Confidential or personal information such as account numbers should not be communicated via standard email.
The primary or joint member can change their address on the account by any of the following five methods: 1) within the security of our online banking platform, 2) by signing an address change form at any of our branches or available online, 3) by mailing us a signed request in writing, 4) by emailing us at itsgreattocu@tctfcu.org or 5) by calling us at 1-800-721-8288.
Because credit unions are not-for-profit, every dollar we make goes to providing more value to our members and the communities we serve. At a credit union, you can trust that you’re getting personalized service and competitive rates.
Credit Union:
- Member-owned
- Not-for-profit financial cooperative
- Earnings returned to members through great rates and low fees
- Member-elected volunteer Board of Directors
- Personalized and focused on you, the member
Bank:
- Shareholder-owned
- For-profit, bottom-line driven
- Profits are given to shareholders as dividends
- Paid Board of Directors
- Focus on profits
Learn more by watching the What's a Credit Union video
Ready to become a member? View Membership Criteria
- About TCT Federal Credit Union
- ATM Questions
- Banking during COVID-19 Pandemic
- Card Compromise Questions
- Checking Questions
- Credit Card Questions
- Credit Questions
- Debit Card Questions
- Direct Deposit
- Financial Literacy Questions
- General Product and Service Questions
- IRA Questions
- Loan Questions
- Mobile Banking Questions
- Online Banking Questions
- Pay Bills Questions
- Payment Saver Auto Loan Questions
- Peace of Mind Checking Questions
- Savings Account Questions
- Scams, Fraud & Security Questions
- School Banking Questions
- Share Certificate Questions
- Student Loan Refinance Questions
- Teacher of the Week
- Visa Prepaid Cards