TCT Newsletter

TCT's Nominating Committee; Art Center, Mike Gutchell, and Duane Lineback have nominated incumbent Gary Fishlock to fill one current seat on TCT's Board of Directors. 

Gary Fishlock brings over five decades of experience in the financial services industry. He began his career as an accountant in the United States Air Force, serving four years in Europe before an honorable discharge. His civilian career started at HSBC, where he spent eleven years, followed by a role as Chief Operating Officer at International Paper Credit Union in Ticonderoga, NY.

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As a TCT member you can save big with exclusive discounts on tax prep - plus, save even more with early-season pricing when you file by February 28th. Take a few minutes now to lock in your discount, right from your phone.

And as a credit union member, you can enter for a chance to win $10,000 from Love My Credit Union Rewards.

Start today and save!

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TCT's Third Annual Silver Bells for Seniors donation drive wrapped up on December 18^th and we would like to thank our generous TCT Members and staff who helped lift the spirits of Seniors living in nursing homes in our communities. These senior citizens have been our elders who cared for the communities in which we live. They are retired teachers, executives, first responders, and now reside in local nursing homes including The Schuyler Ridge Residential Home in Clifton Park and The Granville Center in Granville.

TCT purchased items for any unclaimed silver bells and personally delivered all the gifts to each facility, spreading holiday cheer! 

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Help us support the 17^th Annual Virtual Bookraiser to benefit Project: Cameron's Story —a local organization that helps families bond with their babies in the NICU through books. 

“Before I could hold him... before I could touch him... I read to him.”

Often babies in the NICU are so fragile that their parents are unable to touch or hold them. Reading to their newborn has a tremendous effect on a family’s ability to bond in the most difficult of circumstances. Through Project Cameron’s Story, each family in the NICU at Albany Medical Center, St. Peter’s Hospital, and the Special Care Unit at Glens Falls Hospital receives a book to read to their baby.

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All school employees are eligible to win!

TCT FCU and Adirondack Broadcasting are proud sponsors of the Teacher of the Week Program. One special school employee is announced on-air each week from the nominations submitted by students, parents, fellow faculty, and staff. Nominate someone making a difference in your school community. All school district employees are eligible to win! 

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While online shopping is convenient and often cost-effective, it’s also a prime target for scammers to take advantage of unsuspecting consumers. TCT is here to help you stay secure with tips for avoiding common scams that surface with online shopping. By following these guidelines, you can shop confidently and safely. With a little awareness, you can avoid online shopping fraud. 

The Federal Trade Commission (FTC) Consumer Sentinel Network Data Book indicates that in 2024, fraud related to online shopping was the second most reported type of fraud in 2024, costing consumers more than $434.4 million–compared to $256.7 million lost in 2020. What can you do to help protect yourself?

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A balance transfer means moving all or part of the debt from one or more credit cards to another credit card. Consumers often use credit card balance transfers as a way to take advantage of a much lower interest rate. It’s important to realize that you are not actually paying off debt with a balance transfer, you are simply transferring it to another card.  There are several benefits to transferring high-interest balances. 

1. Take advantage of a lower interest rate. 
Oftentimes, credit unions and other financial institutions will offer lower interest rates. If you are currently carrying a high balance on a credit card with a high interest rate, this can be one of the biggest advantages of credit card balance transfer. It’s a great way to pay down your debt faster by reducing the total amount you are paying in interest. You can focus on tackling more of the debt balance each month. 

Visit tctfcu.org/credit-card to use our balance transfer calculator to help determine your potential savings.

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According to a recent WalletHub survey, nearly 3 in 4 people say their financial situation impacts their mental well-being, and 69% of Americans feel insecure about their finances. It is no wonder so many of us are tired of traditional “new year, new budget” advice. Financial wellness does not have to mean strict spreadsheets. It is about taking small, actionable steps to feel more in control.

Do This: Review your spending patterns

Not That: Start with a strict budget

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How would you like the low monthly payments of a lease, without all the heavy restrictions and hidden costs? TCT's unique Payment Saver Auto Loans offer monthly payments that are considerably lower than conventional financing - plus all of the flexibility and benefits of vehicle ownership, making car ownership more affordable and less stressful. 

“I like the option of a lower monthly payment. Plus, the vehicle has a guaranteed future value, so I know what it will be worth and that I won’t be “upside-down” at the end of the loan term.” – James S.

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