Share Secured Loan

Q: By what methods can I pay my TCT loan?

You can set-up automatic loan payments or payroll deduction, pay by phone, pay by transfer through online banking, or pay in person at any branch. We also provide a service that allows you to move money to your TCT account from another bank for a fee, Pay TCT .

Q: How can I apply for a loan?

There are three ways to apply for a TCT loan. Apply online, apply over the phone or visit any TCT branch to apply in person. Apply Online

Q: What if I can't make my loan payment?

If you're delinquent in your loan payments — or expect to be — the best thing to do is to contact us right away. While it can be stressful and overwhelming to contact your lender(s), early communication puts you in a positive light. Foreclosure or repossession is very costly for a lender, and we would generally prefer to help you get back on track to keep your home or vehicle. When contacting your lender(s) be honest. Describe your situation and know how much money you have available to make payments – do not agree to a payment that is not feasible with your current budget. As a member of TCT, you can take advantage of the GreenPath Financial Wellness program , a free financial education, and counseling program. Contact Us

Q: Do you have to be a member to apply for a loan?

No. You do not have to be a member to apply for a loan. However, you must become a member to close on a loan. View Membership Eligibility Information

What is a Share Secured Loan?

A Share Secure Loan can offer a lower rate than other types of loans because it uses funds in your savings account – either a share account or a share certificate account – as collateral for your loan. With a Share Secured Loan, funds can be used for virtually anything. Share Secured Loans can be a great option for establishing or improving your credit score.

Apply Now

Share Secured Visa Credit Card

If you're looking to improve your credit score or build your credit history, a TCT Share Secured Visa^® can help.

Enjoy a credit line of $500 to $4,000 secured by money you deposit in a share savings account. Make your credit card payments on time each month and you'll start to see your credit improve. You can also earn uChoose Rewards^® on your purchases. Now that’s a win-win!

Open a TCT Share Secured Visa today. You can apply now or contact us for more information.

Apply Now