TCT Newsletter

Whether you're purchasing a home or refinancing your mortgage, you can look to TCT Federal Credit Union for expert guidance. With our trusted partnership with AmeriCU Credit Union, you have access to competitive rates, personalized support, and tools that make the homebuying process easier than ever.

To get started, you can request a mortgage quick quote, view current mortgage rates, or if you're ready, apply with one of TCT's dedicated Mortgage Executives. 

Join TCT's Board of Directors, TCT Staff and Members on the evening of May 13^th as we enjoy a dinner, elect one member to the Board of Directors and review TCT's financial performance and impact in 2025.

Location: The Embassy Suites, 86 Congress St., Saratoga Springs, NY
Date: Wednesday, May 13, 2026
Time: Check-in begins at 5:30 pm, Meeting begins at 6:30 pm

Reservations are required.

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.

Since its launch in September of 2021, TCT has been able to help countless Peace of Mind Checking account holders with courtesy overdrafts, reduced fees, credit and dark web monitoring, and more! 

Let's dive into the benefits…

First up, Credit and Dark Web Monitoring*

Unfortunately, in today’s world, there is so much information sharing which can result in your information being sold on the dark web. With the credit and dark web monitoring offered with Peace of Mind Checking, all you have to do is submit your email address, credit card and debit card information, medical ID number, and more, to ensure your information isn’t being shared on the dark web. If they do see a "hit" for an item you have submitted, you will get an email letting you know so you can update anything you need to. You will also get an email whenever you have a hard hit on your credit.

Are you navigating student loan debt and seeking smarter ways to take control of your financial future? Student loan refinancing can be a powerful tool to simplify payments, lower interest costs, and gain financial flexibility — especially when you partner with a trusted credit union like TCT Federal Credit Union.

Student loan refinancing means replacing one or more existing student loans (federal or private) with a new loan — ideally at a lower interest rate or with better terms. This process not only streamlines multiple monthly bills into one payment but also can improve your overall repayment plan. At TCT FCU, refinancing can help you consolidate private and federal student loans into a single manageable loan with potentially lower payments and competitive rates.

TCT Federal Credit Union (TCT FCU) is proud to announce that Board Member Gary Fishlock was recently recognized as one of eighteen professionals nationwide to receive the Credit Union House Hall of Leaders Award.

“I am honored to contribute to the safety and soundness of the credit union industry,” Fishlock said.

Each year, Credit Union House recognizes individuals who have made a significant and lasting impact on the credit union movement. These leaders and advocates are permanently honored on the Hall of Leaders wall in Washington, D.C.

Shopping for a car has a way of speeding up the moment you get serious. One minute you’re comparing models and imagining a more comfortable commute. The next, you’re doing monthly payment math, thinking about your trade-in, and deciding which “extras” are actually worth it.

That’s why many TCT Federal Credit Union members start with the financing side first. A clear plan can change the whole car-buying experience, especially when you know your budget, your options, and what to expect before you ever step onto a lot.

TCT is built to make that process easier. As a one-stop auto buying shop, the credit union helps members find, finance, and protect their next vehicle—giving members purchase power and clarity, without the need to haggle on the lot just to stay within budget.