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Payment Protection


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Does the credit union offer wire transfers?

Yes. Members may send and receive wire transfers domestically and internationally. TCT does not charge an incoming wire fee. Refer to TCT Fee Schedule 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 Name
    Your Address
    Your TCT account number

If you have any questions or need additional information, please contact your local TCT branch.

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