The Bulletin Board - A Newsletter for TCT Members
Kickstart Your Trade Career with TCT
TCT is now accepting applications for the TCT Supports the Trades Grant, a program created to assist members pursuing education and careers in the skilled trades.
“We want high school seniors and adult members to know there are strong career opportunities available through trade education, and TCT is proud to help them achieve their goals,” said TCT FCU CEO Curt Cecala.
The grant is available to TCT members age 16 and older who are enrolled in, or have completed, a trade school program and demonstrate financial need.
Through this program, TCT continues its commitment to education, workforce development, and helping members connect with meaningful opportunities in our local communities.
Since the Trade Grant Program's inception, TCT has awarded $4,300 assisting 5 Members to kickstart their trade careers.
Visit tctfcu.org/grants for more information and to apply.
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.
Meet Your Mortgage Executives
Buying a home is one of the biggest financial decisions you’ll make, and having the right support can make the mortgage process feel much more manageable. From completing an application to understanding your financing options, working with an experienced mortgage lender can help guide you every step of the way.
That’s why TCT is proud to partner with AmeriCU Credit Union to provide our members with expert mortgage support throughout the homebuying journey. All mortgage loans are originated through AmeriCU Credit Union, a full-service, member-owned credit union serving members across Upstate New York.
If you’re thinking about buying a home, we invite you to stop by during AmeriCU’s branch visits on Monday, July 20, to meet your dedicated AmeriCU Mortgage Executives in person and get helpful guidance for your next step. Branch Visits on July 20th will be at the Cambridge branch (Melissa) and Ballston Spa branch (Ana).
Anamaraia Popovici serves our Clifton Park and Ballston Spa branches, and Melissa Bradlinski serves our Cambridge and Queensbury branches.
Relax TCT has you covered with a Summer Loan Special
TCT Summer Loans Available for a Limited Time
Rates as low as 4.99% APR* with a 12-month term
Summer fun adds up fast! With a TCT Summer Loan, you can cover seasonal expenses at a rate that’s lower than most credit cards, giving you a smarter, more affordable way to borrow. Whether you're planning a getaway, taking on a home project, or managing unexpected summer costs, this limited-time loan special helps you spread payments over 12 months with a low fixed rate.
Apply Now through September 30, 2026 to take advantage of this special offer.
Getting started is simple, with quick or instant approval online
*Annual Percentage Rate (APR) for this loan special is as low as 4.99% APR for up to a 12-month term and includes a 0.25% APR discount for automatic payment through a TCT account or payroll deduction. Your rate may vary based on individual creditworthiness. A sample payment based on the disclosed rate of 4.99% APR for a 12-month term, the monthly principal and interest payment would be $85.78 per $1,000 financed. This loan special is available for a limited time, must apply June 21 - September 30, 2026.
What is a Trusted Contact?
At TCT, we have a Trusted Contact Program that allows our members to name a person or persons we may contact if there are concerns about fraud, potential financial exploitation, diminished capacity, or if we are having difficulty reaching the member.
The Trusted Contact is not considered an owner on the account(s) and is not authorized to transact on the account(s); instead, they serve as an extra layer of protection and support by helping confirm the member’s wellbeing and, when appropriate, assisting the member in addressing suspicious activity.
Being designated as a Trusted Contact is a non-legal role designed for you to act as a safety net for our members’ account(s), similar to an emergency contact. If you are named, you should expect to be contacted by TCT only in specific, limited circumstances to help protect our member from fraud, financial exploitation or to address sensitive or urgent situations when they cannot be reached.
To add a Trusted Contact to your account(s), please contact TCT to complete a Trusted Contact Authorization form.
Let’s Put a Freeze on Fraud at TCT
TCT invites you to visit our branches during the week of July 13–17 to Put a Freeze on Fraud. Stop by our “Let’s Put a Freeze on Fraud” table to pick up helpful tips, ask questions, and learn simple ways to protect your personal information, cards, and accounts.
You can enjoy a quick, friendly conversation about common scams, suspicious calls and texts, phishing, impersonation fraud, and card safety. We’ll also have fraud prevention materials, RFID card protectors, card control app information, and a cool themed treat to help us “freeze” fraud together.
Keep an eye out for the frozen-themed display and stop by to learn how to pause, verify, and protect yourself before fraud has a chance to heat up.
- Monday, July 13 – Ballston Spa Branch
- Wednesday, July 15 – Clifton Park Branch
- Thursday, July 16 – Cambridge Branch
- Friday, July 17 – Queensbury Branch
Help Protect the Financial Well Being of Older Adults
Each June, Elder Abuse Awareness Month reminds us of an important truth: financial exploitation is one of the fastest-growing forms of elder abuse, and it affects families in every community. At TCT, we’re committed to helping protect older adults from fraud, scams, and financial harm. Safeguarding your hard-earned money is at the heart of what we do.
A Growing Threat to Older Adults
Recent federal reports show a sharp rise in scams targeting adults aged sixty and older. Losses of more than $100,000 have increased dramatically in recent years according to data collected by the Federal Trade Commission (FTC), with scammers often posing as trusted institutions, including banks, government agencies, technology companies, or even the FTC itself. These criminals use fear, urgency, and sophisticated stories to pressure older adults into sending money or sharing sensitive information.
Common tactics include:
- Fake alerts claiming that someone is using your accounts.
- Imposters pretending that your Social Security number is linked to a crime.
- Pop-up “security warnings” urging you to call a fake support line.
- “Emergency” phone calls designed to keep you talking so that you are unable to verify the story with a loved one.
- Understanding these tactics is the first step in stopping them.
- How You Can Help Protect Yourself and Loved Ones
Congratulations Teacher of the Year!
Congratulations Coach Jessica Nevins of Hadley Luzerne!
Coach Nevins brings energy, creativity, and heart to every class as she teaches students how to play a variety of sports and activities—and she’s often right there playing alongside them! She inspires teamwork, encourages good sportsmanship, and creates a fun, inclusive environment where every student can participate and grow.
Coach Nevins also finds meaningful ways to connect physical education with other subjects, such as math, and she provides adaptive classes to help meet the needs of all learners.
Her dedication makes a lasting impact, and it’s easy to see why students appreciate her so much. Congratulations, Coach Nevins, on being named the 2025–26 Teacher of the Year! Thank you for all you do for the Hadley-Luzerne school district community!
Save the Date: TCT’s Member Appreciation Cookout is August 20th
Join us at all four branch locations on Thursday, August 20th, for a fun and relaxed celebration of our members.
TCT members are invited to bring a friend or family member and enjoy a free lunch featuring hot dogs, chips, water, and dessert. We’re excited to celebrate you, say thank you, and hear what makes your TCT experience special, so come ready to share your story with us!
Cookout Hours: 11:00 a.m. – 3:00 p.m.
Stop by for TCT giveaways, enter our raffle for a chance to win backyard games, and enjoy a midday break with free food, friendly faces, and summer fun. Come chill while we grill before the school year kicks back into gear!
Find Your Next Vehicle with EZ Car Finder
Shopping for a vehicle can be exciting, but it can also feel overwhelming. EZ Car Finder helps make the process easier by giving you convenient tools to research vehicles, compare options, and feel more confident before heading to the dealership.
With EZ Car Finder, you can compare estimated monthly payments for Conventional and Payment Saver Auto Loans, explore vehicle listings, and use helpful research tools like the Price Curve Chart to see whether a listing is considered Great, Good, or Fair.
You can also search for similar vehicles using the Find a Better Price tool, take a virtual test drive, and access even more resources to support your car-buying journey.
In 2026, TCT members have already saved $2,969 by using free CARFAX Reports through EZ Car Finder.
EZ Car Finder also keeps privacy in mind by preventing third-party cookies and ads, allowing you to search with added peace of mind.
Whether you are just starting your search or narrowing down your choices, EZ Car Finder gives you access to useful information in one convenient place. To get started, visit tctfcu.org/ez-car
Account Verification Audit
The Supervisory Committee is conducting an account verification audit.
As volunteers appointed by the Board of Directors, the Supervisory Committee oversees the independent audit process of our credit union. The purpose of the audit is to ensure that our staff and systems follow appropriate guidelines that are designed to serve your needs and protect credit union assets.
We are conducting a verification of all member accounts and we are asking for your assistance with the following:
- Please review your June 30 statement and compare the account balance to your records.
- If you have a first mortgage with TCT through Owners Choice, please review your June mortgage statement and compare the outstanding principal balance to your records.
- If you have a TCT Visa Credit Card, please compare your new balance on the June statement to your records.
- If you have a Student Loan with Student Choice, please compare your new balance on your June statement to your records.
- Please compare the account balances on all your TCT accounts to your records. If your records do not match ours, please provide us with your supporting documentation so that we may review your account. We will consider your balances correct if we do not hear from you by July 31, 2026.
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
Holiday Closings
- July 4th, 2026: Independence Day - Closed
- September 5th, 2026: Labor Day - Closed
- September 7th, 2026: Labor Day - Closed
- October 12th, 2026: Columbus Day - Closed
- November 11th, 2026: Veterans Day - Closed
Referring is Rewarding
Each time you refer a family member or eligible coworker to join TCT, we’ll reward you with a $25 deposit to your account. It’s our way of saying 'Thank You' for sharing your TCT experience. Know someone who could benefit from joining TCT?
Home Equity Line of Credit
Fund important goals like furthering your education, making home improvements, or consolidating debt. We can also help you refinance a current home loan from another lender.
Pay No Closing Costs for a HELOC up to $100,000*
Savor Summer Special
Going on now - September 30th, stretch your budget with a special low rate personal loan!
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