Save more with dividend-earning accounts
Keep your money secure while earning competitive dividends. Every TCT membership comes with a Share Savings Account. We also offer Sub-Share ‘Club’ Accounts, and Money Market Accounts to meet all your savings needs.
Share Savings Account
Every TCT membership comes with a Share Savings Account. With just a $5 minimum balance, you'll earn dividends and be eligible to use all of our services.
With our Club Accounts, you can save separately for different needs like an emergency fund or new car. There's no minimum balance required, and you're allowed to have as many club accounts as you have reasons to save.
Regular Money Market Account
If you have at least $500 saved up, you can earn higher dividends on your average daily balance. You can make up to four withdrawals per month without a fee.
Money Market Special Account
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 higher dividends on your average daily balance. You can make up to two withdrawals per month without a fee.
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 firstname.lastname@example.org 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.