About TCT

People Over Profits

In 1959, TCT was established to improve the financial health and well-being of our founding members in the school community, and their families.

TCT continues to provide our members with:

Access to fair and ethical financial products,
economical banking and lending services, and
trustworthy service

TCT strives to make a positive impact in the lives of our members, their families, workplaces, and beyond. TCT is strong because of our members and staff.

Join TCT today!

We know how much trust it requires in choosing a financial partner to serve, guide, and support you and we never take that for granted. If you have questions, simply Contact Us. If you are ready to become a member, you can open an account online or say 'Hello' at one of our four branch locations.

JOIN TCT

TCT Member Events

January 11, 2024 (8:00 AM) - February 15, 2024 (5:00 PM): Board of Directors Election Notice
May 15th, 2024 (5:30 PM): TCT Annual Meeting
October 17th, 2024 (9:00 AM): International Credit Union Day

TCT Annual Reports

June 15th, 2020 (1:00 PM): 2019 Annual Report
August 18th, 2021 (10:30 AM): 2020 Annual Report
August 17th, 2022 (10:30 AM): 2021 Annual Report
May 17th, 2023 (10:30 AM): 2022 Annual Report
May 23rd, 2024 (10:30 AM): 2023 Annual Report

The Bulletin Board Newsletter

January 1st, 2024 (12:30 PM): 2024 Winter Newsletter
April 1st, 2024 (12:30 PM): 2024 Spring Newsletter
June 24th, 2024 (12:30 PM): 2024 Summer Newsletter
September 24th, 2024 (12:30 PM): 2024 Fall Newsletter

FAQs

What is the email address for the credit union?

Where is TCT Federal Credit Union located and what are your hours?

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

Day	Lobby & Drive-thru Hours
Monday – Friday	9:00 – 5:00
Saturday	9:00 – 12:00

What are the fax numbers for the credit union?

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

How can I apply for membership at TCT Federal Credit Union?

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Testimonials

"Amazing credit union with little to no fees and amazing customer service. I could not be happier."

— Kirt W.

"We cannot say enough good things about TCT and the ease of doing business. Great service goes a long way."

- Cambridge Youth Cheer

"I trust TCT completely in regards to my finances."

- Harwood

"I've been a member of TCT for over 30 years and I cannot say enough about this institution and the people here at TCT. They have gone above and beyond with their service. I highly recommend them!"

- TCT Member

The TCT Staff are all very professional, courteous, and kind.

- Jessica

"I am so very appreciative of TCT. Banking stresses me out and they are so patient and caring."

- Della

"The best banking institution out there."

- Gail

"Always friendly and willing to assist me!"

- Courtney

"I am very pleased. They are always prompt and very helpful!"

- Jeremy Alexander

"Every single person I have ever interacted with there has been amazing!"

- Diana

"Very thorough and efficient. A true pleasure to work with."

- Amanda

"Greatly appreciate the excellent services, friendly customer service through the years!"

- Deanna

"Everyone there is wonderful, hardworking, and truly dedicated to helping you with all your financial needs. It’s always a pleasant experience when you walk or drive thru TCT."

— Alexandra C.

"This is one of the best credit union institutions I have ever used. I strongly encourage people to use them."

— Charles M.

"The customer service and people that work at the bank are extremely helpful and kind, the best bank I’ve ever used."

— Benjamin F.

"I’ve been at TCT for 5 years now and have been very happy banking with them. Any interaction I’ve had with them has been positive and they are very fast to help."

— Colby G.

"Great customer service, even for members located outside NY, and excellent loan rates!"

— Paul F.

"Everyone is very personable and friendly. They are like family and that's how they treat you as their member."

- Janette L.

"You will be treated like a human. Your money will work for you. And it will be convenient. So much better than a faceless national institution."

— Paige F.

"I enjoy coming to this bank all the time. All the employees share a laugh with me and I enjoy the free coffee."

— Barbara H.

“I know that with TCT, I am in good hands.”

— Harwood S.