About TCT

Q: What is the email address for the credit union?

itsgreattocu@tctfcu.org Please note: If you have questions about your TCT accounts, please log in to Online/Mobile Banking and click on the Envelope Icon near your name to send us a Secure Message. Confidential or personal information such as account numbers should not be communicated via standard email.

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

You may Open an Account online , or by visiting one of our branches. If a current TCT Member has referred you to join, enter their name in the ‘Who Referred You’ field, and they will earn $25 referral rewards upon account opening. You can also visit your local branch to join TCT Federal Credit Union.

People Over Profits

In 1959, TCT was established to support the financial needs and well-being of our founding members and their families in the school community. Originally Tri-County Teachers Federal Credit Union, TCT FCU continues to serve the faculty and staff at 47 school districts, as well as many other member groups.

TCT is committed to providing 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.

More About TCT

Where Teachers Bank on Community: The Legacy of TCTFCU

WHEN IT COMES TO FINANCIAL SECURITY: TRUST THE CREDIT UNION THAT PUTS MEMBERS FIRST

TCT Members Share

TCT has been a constant in my life.

“The trust I’ve built with TCT over the years is what I appreciate the most. They have been a steady, reliable presence through life’s ups and downs, providing support and service I can depend on. That’s why, after more than two decades, I continue to choose TCT Federal Credit Union and proudly recommend them to others.” — Morgan H.

TCT's impact went beyond a classroom presentation.

“Connecting my students directly with TCT gave them access to experts, resources, and relationships they can continue to draw upon as they enter adulthood. Financial literacy is an essential life skill, and partnerships between educators and trusted community partners can help ensure students are not only learning the concepts but also know where to turn when they need guidance right in their community.” — Brandon A.

My children continue the tradition of banking with a credit union that cares.

“What I value most is how local and available TCT is. On occasions where I need quick answers or last minute requests, I am able to stop in to my local branch or make a quick phone call. I’m truly grateful for the experience of being a member of a credit union that cares.” — Tashina R.

I found the warmth, friendliness, and personal care I remembered from back home.

“The TCT Team is always looking out for me – from helping me refinance my truck loan, to sending scam alerts that keep my account protected and make me feel safe. I am grateful to the entire TCT Team for making me feel like family.” — Toni M.

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

The Bulletin Board - A Newsletter for TCT Members

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

“I'm thankful for a great group of people who always go above and beyond to take care of our banking needs. Queensbury branch is always friendly and accommodating. We are thankful for TCT!”

— Jennifer S.

"They have great rates and it's so easy to do business with them even if you live miles away from their locations!"

—Annette S.

"TCT FCU has been so helpful with our financial needs over the years - from mortgage, home equity, personal, and auto loans. We have been very thankful for their expert advice, professionalism and friendly service!

—Janet R.

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

- Jessica

"TCT has helped with many family occasions, such as car loans, home equity, and now my son's college loan. My family has always had good experiences at the Cambridge office and find the employees very helpful."

—Tim B.

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

— Paul F.

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

— Charles M.

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

- Janette L.

"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

"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.

"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.

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

— Benjamin F.

"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.

TCT has changed my life and when I was at my lowest point, they helped me. The service I have received far surpasses any other financial institution I have ever encountered. I always refer people looking for a loan or a new checking account to TCT. - Jamie N.