Money Market Accounts
Get a high yield without locking your money down, with a Money Market Account. If you have at least $500 saved up, you can earn dividends on your average daily balance. And you can make up to four withdrawals per month without a fee.
Regular Money Market
If you have at least $500 saved up, you can earn dividends on your average daily balance. And you can make up to four withdrawals per month without a fee.
Money Market Special
Get a better return on bigger balances with our Money Market Special Account. If you have at least $60,000 saved up, you can earn an even higher rate of dividends on your average daily balance. And you can make up to two withdrawals per month without a fee.
|Account Type||Average Daily Balance to Earn APY||Dividend Rate||Annual Percentage Yield (APY)|
|Regular Money Market Account||$500 – $9,999.99||0.15%||0.15%|
|$10,000 – $24,999.99||0.15%||0.15%|
|$25,000 – $49,999.99||0.20%||0.20%|
|$50,000 and above||0.25%||0.25%|
|Money Market Special||$60,000 and above||0.35%||0.35%|
*Regular Money Market Accounts allow 4 free withdrawals per month. $5.00 fee for each withdrawal after 4.
For Share Savings, Sub-Share, IRA Share, Regular Money Market and Money Market Special Accounts there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. Dividend Period is the calendar month. Rates and yields for these accounts may change monthly as determined by the Credit Union’s Board of Directors. Please refer to the Truth in Savings Disclosure for additional information.
While we hope you find the information you need online, we want to assure you that TCT is more than a website. We're your credit union, and we look forward to helping you. Call us at 1-800-721-8288 for friendly, local assistance or stop by one of our branches for personal service.
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 email@example.com or 5) by calling us at 1-800-721-8288.
Yes. Members may send and receive wire transfers domestically and internationally. TCT does not charge an incoming wire fee. Please call us for applicable fees for outgoing wires.
To send a wire from a TCT account, you will need:
- Recipient/Payee’s full legal name, complete address including country, account number (or IBAN).
- Receiving if required, intermediary financial institution’s full name, complete address, ABA routing/transit number. If the wire is being sent internationally, we will require the financial institutions swift/sort code.
- Additional information may be required to process your outgoing wire request.
To receive a wire, the outside party will first need to send a wire to Alloya Corporate FCU:
- Step 1:
Alloya Corporate FCU 271987635
184 Shuman Blvd Suite 400
Naperville, IL, 60563
- Step 2:
TCT FCU 221374984
416 Rowland Street
Ballston Spa, NY 12020
Phone Number: 518-884-7002
- Step 3:
Your TCT account number
If you have any questions or need additional information, please contact your local TCT branch.
If you wish to view another account that you are a joint owner on within the same online banking login, we can manually link your accounts for you. Please send us a secure message with the account number you wish to link within online banking.