- About TCT Federal Credit Union
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You can set-up automatic loan payments or payroll deduction, pay by phone, pay by transfer through online banking, or pay in person at any branch. We also provide a service that allows you to move money to your TCT account from another bank for a fee, Pay TCT.
There are three ways to apply for a TCT loan. Apply online, apply over the phone or visit any TCT branch to apply in person.
If you're delinquent in your loan payments — or expect to be — the best thing to do is to contact us right away.
While it can be stressful and overwhelming to contact your lender(s), early communication puts you in a positive light. Foreclosure or repossession is very costly for a lender, and we would generally prefer to help you get back on track to keep your home or vehicle. When contacting your lender(s) be honest. Describe your situation and know how much money you have available to make payments – do not agree to a payment that is not feasible with your current budget.
As a member of TCT, you can take advantage of the GreenPath Financial Wellness program, a free financial education, and counseling program.
No. You do not have to be a member to apply for a loan. However, you must become a member to close on a loan.
Yes. We offer Undergraduate and Graduate Student Loans and Student Loan Refinancing.
To report a lost or stolen Credit Card or Debit Card: 1-800-721-8288
If your credit card is misplaced, you can turn OFF your credit card using the Card Controls available within our TCT Mobile Banking app.
We offer two loan rate discounts. New Members may receive .25% off their loan rate on eligible loans taken within their first 30 days of membership1. We also allow an additional .25% off when you set-up automatic loan payments from a TCT checking account or payroll deduction1. TCT Members also have the option to select their payment date and frequency; monthly or bi-weekly and to defer your first payment up to 90 days.2
If you're ready to apply today, let's not waste any time.
1Real estate, credit cards, student loans and revolving lines of credit do not qualify for the rate discount.
2Payment saver auto loans, real estate, credit cards, student loans and revolving lines of credit do not qualify for the 90-day deferment.
No. TCT Members under age 18 may not apply for loans, credit cards or overdraft protection.
A signature loan is a loan without material collateral such as a car or home. The maximum amount you can borrow is $30,000. You can use this loan for just about any purpose.
You can apply online or by calling or visiting a branch to be pre-approved. Contact Us
No. We do not offer business loans at this time. We offer business savings and checking accounts.
We do offer home equity loans and HELOC (home equity lines of credit) for your home. TCT no longer offers home purchase loans.