Notice Regarding Payroll Deduction Allocations:
If your employer recently changed their payroll description, your payroll distributions may have been delayed. We are currently processing these allocations manually to ensure accuracy. We apologize for any inconvenience and appreciate your patience as we work to resolve this issue.

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Q: How can I establish credit?

A Credit Builder Loan or Share-Secured Credit Card are two ways to start building your credit. How it Works: TCT will hold the amount of your credit limit in your account. Your new loan or credit card is reported to the credit bureau(s), along with your payment history and after six months this will help you establish a credit score. Learn about Credit Builder Loans Learn about Share Secured Loans

Q: I need help with my budget. What can I do?

Helping our members save money and improve their financial lives is at the heart of TCT's mission. We partner with GreenPath Financial Wellness to provide all our members with free access to help with budgeting, financial education, and much more. Just another perk of being a TCT Member. Learn More About GreenPath

Q: Is it a good idea to cosign a loan?

By cosigning, you lend your name and good credit history to the borrower. Should the borrower fail to make payments, all responsibility for meeting the terms of the loan transfers to you, the cosigner. The loan appears on both the borrower’s and cosigner's credit reports and may affect your ability to qualify for another loan.

Q: Should I borrow money from my 401(k) for emergency cash?

It might be tempting to view your 401(k) as a source of emergency funds, but before you dip into your retirement account for cash, you should explore all alternatives. Discuss your options with one of our Member Service Specialists at any branch location or contact our financial wellness partner, GreenPath to discuss your options, free of charge.

Personalized Financial Advice, Available 24/7

Whether you’re looking to improve your credit score, move forward after a credit decline, pay down debt, or build healthy financial habits, the Virtual Financial Coach can help to set you up for success.

The Virtual Financial Coach is designed to support you with

Personalized advice
Achievable action plans to reach your goals
Easy to use to ensure your success
Friendly and timely step-by-step guidance
Ongoing support to keep you on track

Virtual Coaching is free, 100% secure, and available 24 hours a day, 7 days a week.

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FAQs

How can I establish credit?

I need help with my budget. What can I do?

Is it a good idea to cosign a loan?

Should I borrow money from my 401(k) for emergency cash?

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Your journey to financial wellness begins here.

Through our partnership, everyone who contacts GreenPath receives a free financial counseling session. Let’s make your financial goals happen, together.

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Have Questions?

If you have additional questions, call us at 1-800-721-8288 or visit a TCT branch to meet with a Member Service Specialist.

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