Welcome, Hudson Headwaters Health Network Employees!
TCT is here as your trusted guide to a bright financial future. We are small enough to know you, and big enough to help you reach your financial goals, faster. At TCT, everything we make goes back to our owners — you. That means lower fees, better rates, and trustworthy service.
Let us help you save more of your hard-earned money.
Switch to our Peace of Mind Checking with a low $7 overdraft fee and comes with fully managed Identity Theft Recovery Services, and more.
Refinance your Auto Loan and enjoy no payment for the first 90 days1
Refinance your Home Loan and let us pay the closing costs for you, up to $100,0002
Join TCT Today!
If you are ready to become a member, let's get started. Open your account online today. Mention who referred you and we’ll send referral rewards their way!
1 Although the first payment may not be due until 90 days from the date the loan is funded, interest will accrue during this time.
2 Closing costs including the New York State Mortgage Tax will be paid by TCT Federal Credit Union on behalf of the borrower on Home Equity Loans and Lines of Credit up to $100,000. This special offer may be withdrawn at any time. Existing TCT loans do not qualify for this special offer. All Lines of Credit require a minimum initial advance of $10,000. If the HELOC or Home Equity Loan is paid and closed within 3 years of the closing date, the borrower will be required to reimburse the Credit Union for all closing costs paid on their behalf which will be added to the payoff amount of the loan.
Say hello!
| Branch | Branch Address | Phone # | FAX # |
|---|---|---|---|
| Ballston Spa (Milton/Main) | 416 Rowland Street Ballston Spa, NY 12020 |
1-800-721-8288 | 518-884-7094 |
| Cambridge | 17 Gilbert Street Cambridge, NY 12816 |
1-800-721-8288 | 518-677-2677 |
| Clifton Park | 520 Vischer Ferry Road Clifton Park, NY 12065 |
1-800-721-8288 | 518-383-0107 |
| Queensbury | 4 Hunter Brook Lane Queensbury, NY 12804 |
1-800-721-8288 | 518-793-2177 |
Auto Loan Refinance
You may have driven off the lot with an auto loan rate your credit union can beat.
TCT has the roadmap to budget-friendly payments and low loan rates.
LEARN MORE
VISA® Platinum Credit Card
Not all cards are created equal. We think ours is pretty great, and we think you will too. No Annual fee, No Balance Transfer fee, Cashback Rewards, and fixed low rates.
DIY Banking
You can do almost any banking transaction online, including Transfer Money, Pay TCT, Deposit Checks, Enroll in Digital Banking, Open an Account, Apply for a Loan, and Pay People.
Scams & Fraud Blog
Think Before You Click: Five Cybersecurity Habits That Matter More Than Ever
Cybersecurity used to feel like something handled by the IT department. Not anymore! Today, a scam can show up as a text from your bank, a phone call from someone who sounds exactly like a family member, or an email that looks like it came from your employer. Artificial Intelligence (AI) is making those scams faster and more convincing, and criminals don’t need to be technology experts to take advantage of it.
The numbers tell the story. The FBI received more than 1 million internet crime complaints in 2025, with losses exceeding $20 billion. That was a 26% increase in reported losses from 2024.
Think. Check. Trust: TCT’s Playbook For Avoiding Fraud
The people who fall for scams aren’t necessarily careless. Often, they’re people who would have spotted the trick immediately if they’d been given another moment to think. That’s what a good scam is designed to prevent.
Urgency, authority, and fear: scammers use all three to keep you moving before your judgment has time to catch up. A scammer doesn’t need to fool you forever. They only need to rush you once.
Which is why the goal isn’t to become impossible to fool. It’s to have a simple response you can fall back on when the situation starts moving too fast. TCT Federal Credit Union sums that plan up in three words: Think, Check, Trust? Each one creates a little distance between the pressure and your response, and puts your judgment back in charge. Together, they’re your best defense.
New Scam Alert: Criminals Exploiting Microsoft Phone Link to Steal Verification Codes
At TCT Federal Credit Union, we work hard to keep our members informed about the latest fraud trends.
Security researchers recently uncovered a new scam that targets Microsoft’s Phone Link application, a tool that connects your smartphone to your Windows computer. The scam allows criminals to steal text messages and verification codes—even without directly infecting your phone. 1,2
What Is Microsoft Phone Link?
Microsoft Phone Link (formerly "Your Phone") allows users to sync their smartphone with a Windows computer. Once connected, you can view text messages, notifications, calls, and other phone activity directly from your PC. 1,2
While Phone Link is a legitimate and useful tool, cybercriminals are now abusing it when they gain access to an infected computer. 1,2
How the Scam Works
Researchers discovered a remote access malware program known as CloudZ RAT that uses a malicious plugin called Pheno to monitor active Phone Link connections.
Once a Windows computer is infected:
TCT Blog
Think Before You Click: Five Cybersecurity Habits That Matter More Than Ever
Cybersecurity used to feel like something handled by the IT department. Not anymore! Today, a scam can show up as a text from your bank, a phone call from someone who sounds exactly like a family member, or an email that looks like it came from your employer. Artificial Intelligence (AI) is making those scams faster and more convincing, and criminals don’t need to be technology experts to take advantage of it.
The numbers tell the story. The FBI received more than 1 million internet crime complaints in 2025, with losses exceeding $20 billion. That was a 26% increase in reported losses from 2024.
2027 TCT Scholarships Available Mid-October
Fund Your College Dreams: TCT Scholarships
TCT FCU is proud to announce a scholarship opportunity for college-bound students! In partnership with New York Credit Union Association (NYCUA), we are opening applications for high school seniors attending two- or four-year accredited educational institutions as well as vocational or trade schools in 2027. The program is designed to provide funds that would be used toward tuition, room and board, books, and school supplies.
Just last year, ten outstanding student members were each awarded a $1,000 scholarship in recognition of their hard work, leadership, and community involvement.
Curt Cecala, TCT CEO Inducted into Alloya Hall of Champions
Curt Cecala, TCT Federal Credit Union's President and CEO, was recently honored with being inducted into the inaugural class of Alloya's Hall of Champions! This well-deserved recognition celebrates Curt's exceptional leadership, dedicated service, and lasting contributions to Alloya Federal Credit Union and the credit union movement.
Alloya unveiled the thier Hall of Champions during its annual Credit Union Leadership Symposium, which took place in Nashville from Sept. 9-11. The Alloya Hall of Champions was created to recognize individuals whose leadership and service have helped shape Alloya and advance the corporate credit union movement. Induction is reserved for those who have demonstrated exceptional dedication to the movement and whose belief in the Power of Cooperation is “legendary,” Alloya said.
“It has been my privilege to serve and work with the incredible people at Alloya,” said Curt Cecala, TCT FCU's CEO. “It is truly amazing what Alloya is today for its member credit unions from our humble start 15 years ago. To serve with so many talented volunteers past and present who care about credit unions and work with the wonderful management and staff of Alloya to help credit unions has and continues to be an honor.”
