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 This special offer may be withdrawn at any time.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 Online Banking, Open an Account, Apply for a Loan, and Pay People.
Scams & Fraud Blog
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:
Protecting Against Deed Fraud: Why Monitoring Your Home Title Matters
Deed fraud, also known as home title theft, occurs when criminals forge documents to illegally transfer property ownership. This can result in fraudulent sales or mortgages, and although it’s relatively rare, the consequences are severe—ranging from significant financial loss to major emotional distress. Victims often face lengthy and costly legal battles to reclaim their property. That’s why regular monitoring of your property records is essential—it enables early detection and fast, effective action to stop scammers in their tracks.
Device Protection - Is Your Personal Information Safe?
Your phone, tablet, and computer do far more than help you get through the day—they’re the front door to your financial world. Whether you’re using mobile banking, paying bills online, shopping, or checking email, these devices hold and access sensitive personal and financial information. That’s why keeping them secure matters so much. We are here to share a few simple habits that can go a long way toward reducing the risk of unintentionally exposing your information through the technology you rely on.
TCT Blog
Your Degree. On Your Terms.
TCT Federal Credit Union is here to help cover college costs when federal funding falls short.
College costs don’t come all at once, and our solution is built with that in mind. TCT Federal offers an education line of credit with greater flexibility for students & families than traditional private student loans*.
With an education line of credit from TCT, you get built-in flexibility to borrow what you need, when you need it—all from a single, pre-approved line.
Even if you’re unsure of the college you’ll be attending or the exact loan amount you may need, you can establish your private education line of credit with TCT today. Then, when you’ve finalized the details, we’ll be ready when you are.
Learn more about our private student lending solutions or get started on your application today!
What to Know About this Summer's Lending Changes
The One Big Beautiful Bill (OBBB) will bring new borrowing limits for federal Parent PLUS and the elimination of Grad PLUS loans starting this July.
That’s where TCT Federal Credit Union's line of credit solution can help.
Congratulations to the 2026 TCT Scholarship Recipients
TCT Federal Credit Union is proud to announce the 2026 recipients of its Academic Scholarships. Ten outstanding student members were each awarded a $1,000 scholarship in recognition of their hard work, leadership, and community involvement.
Each year, TCT awards scholarships to graduating high school seniors who demonstrate academic achievement, leadership, community service, and a commitment to the credit union philosophy of “People Helping People.” Applications are reviewed by representatives of the New York Credit Union Association (NYCUA). This year’s recipients are:
- Kendall Hamilton — Greenwich Jr./Sr. High School Kendall also received a NYCUA Statewide Scholarship!
- Caitlin Scott — Queensbury High School
- Kittery VanGuilder — Hadley Luzerne High School
- Caroline Short — South Glens Falls High School
- Colin Giumarra — Queensbury High School
- Braden Pisani — Hudson Falls High School
- Jace Hubert — Bolton Central High School
- Addison Swan — North Warren Central School
- Ashley Moses — Cambridge Central High School
- Riley Johnson — Glens Falls High School
Using Your Home’s Equity for Renovations: Smart or Risky?
Renovate Now, Pay Smart: The Truth About Home Equity Loans and Lines of Credit
Home renovations can breathe new life into your space, improve comfort, and even increase your property’s value. But when it comes to financing those upgrades, many homeowners turn to home equity. The question is: is this a smart financial move—or a risky one?
Let’s break it down so you can make an informed decision.
