- About TCT Federal Credit Union
- ATM Questions
- Banking Remotely
- 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 Conversion Questions
- Online Banking Questions
- Pay Bills Questions
- Payment Saver Auto Loan Questions
- Savings Account Questions
- Scams, Fraud & Security FAQs
- School Banking Questions
- Share Certificate Questions
- Student Loan Refinance Questions
- Teacher of the Week
- Visa Prepaid Cards
To see a list of our current openings, please visit our Careers Page.
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.
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
| Branch | Branch Address | Phone # | FAX # |
|---|---|---|---|
| Ballston Spa (Milton/Main) | 416 Rowland Street Ballston Spa, NY 12020 |
1-800-721-8288 | 518-884-7094 |
| Cambridge | 17 Gilbert Street Cambridge, NY 12816 |
1-800-721-8288 | 518-677-2677 |
| Clifton Park | 520 Vischer Ferry Road Clifton Park, NY 12065 |
1-800-721-8288 | 518-383-0107 |
| Queensbury | 4 Hunter Brook Lane Queensbury, NY 12804 |
1-800-721-8288 | 518-793-2177 |
Please note: If you have questions about your TCT accounts, please log in to Online/Mobile Banking and click on the Envelope Icon near your name to send us a Secure Message. Confidential or personal information such as account numbers should not be communicated via standard email.
We have four branch locations, all with 24-hour ATMs. They are located in Ballston Spa (Milton), Cambridge, Clifton Park, and Queensbury. TCT participates in the Allpoint ATM Network, which provides our members with over 55,000 surcharge-free ATMs. Locate a Branch or Allpoint ATM
| Branch | Branch Address | Phone # | FAX # |
|---|---|---|---|
| Ballston Spa (Milton/Main) | 416 Rowland Street Ballston Spa, NY 12020 |
1-800-721-8288 | 518-884-7094 |
| Cambridge | 17 Gilbert Street Cambridge, NY 12816 |
1-800-721-8288 | 518-677-2677 |
| Clifton Park | 520 Vischer Ferry Road Clifton Park, NY 12065 |
1-800-721-8288 | 518-383-0107 |
| Queensbury | 4 Hunter Brook Lane Queensbury, NY 12804 |
1-800-721-8288 | 518-793-2177 |
| Day | Lobby & Drive-thru Hours |
|---|---|
| Monday – Friday | 9:00 – 5:00 |
| Saturday | 9:00 – 12:00 |
There are several ways to qualify for TCT membership. You can join if you're...
- An immediate family member of a current TCT member (or someone who is eligible for TCT membership, even if they are not a TCT member).
- An employee at one of our Member Groups
- A student or immediate family member of a student at one of the following schools: Cambridge Central School, Ballston Spa Central School, Lake George Central School, Stillwater Central School, SUNY Adirondack
*An immediate family member is defined as spouse, child, parent, sibling, grandparent, or grandchild.