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 This special offer may be withdrawn at any time.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
Safe Use of Artificial Intelligence: A TCT Members' Guide
Artificial intelligence, or AI, has quickly become part of everyday life. It can help write an email, answer a question, plan a trip, create an image, summarize information, or even help you shop. Used carefully, AI can be a useful tool. But just like any technology, AI comes with risks.
One of the biggest concerns is how much personal information people share with AI tools without realizing where that information may go or how it could be used.
The good news? A few common-sense habits can go a long way to help protect you and your information.
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.
TCT Blog
Your Financial Life Is Changing: Should Your Banking Relationship Change Too?
Life rarely stands still, and neither do your financial needs. The account that worked well when you were a student may not be enough when you start your first full-time job. A few years later, you may be thinking about combining finances with a spouse, financing a vehicle, buying a home, or making the most of the equity you have built.
Your banking relationship should be able to evolve along with you. Rather than thinking of a credit union simply as a place to keep your checking and savings accounts, consider the value of building a long-term financial relationship. As your priorities change, the right products, convenient services, and personalized guidance can help you navigate each new stage.
Here are some of the milestones that may signal it is time to take another look at your financial needs.
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.
