UPCOMING HOLIDAY CLOSURE: TCT Branches will be closed Thursday, June 19th in honor of Juneteenth. You can do many transactions with Online/Mobile Banking or online with DIY Services.

CLIFTON PARK PAVING: Our Clifton Park branch will be temporarily closed from 5 pm Friday, June 20 - Sun. June 22 (WEATHER PERMITTING) for parking lot repairs. During this time, the branch, ATM & night-drop will be inaccessible. We apologize for any inconvenience. Access cash surcharge-free at nearby Allpoint ATMs including CVS & Walgreens on Route 146. You can do many transactions with Online/Mobile Banking and online with DIY Banking Services.

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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, and a TCT summer loan is here to help you avoid higher-interest debt with a lower rate than most credit cards. A TCT summer loan allows you to stretch your summer budget over 12 months with a low-rate personal loan.

This special low rate is available for a limited time only! Must apply June 21 — September 30, 2025.
Getting started is simple, with quick or instant approval online.

APPLY TODAY

Personal Loan Rates
Term APR (Rates as low as)Monthly Payment per $1,000
1 Year (12 month) 4.99%** $85.61
3 Year (36 month) 7.24% $30.99
5 Year (60 month) 9.24% $20.88
Minimum Loan Amount = $500 | Maximum Loan Amount = $30,000
The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT checking account.
**This loan special is available for a limited time, must apply June 21 − September 30, 2025.

*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 checking 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 $85.61 per $1,000 financed. This loan special is available for a limited time, must apply June 21 − September 30, 2025.

Do you have Peace of Mind?

A TCT Peace of Mind Checking account comes with enhanced checking benefits and extra features to protect you and your lifestyle.

Learn More

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TCTFCU Cards App 

Manage your TCT Debit and Credit Cards, set card controls, view spending insights, credit card reward points, card-on-file information, & more with the TCTFCU Cards App. 

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Completion of this information request form does not constitute a loan application.
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Have Questions?

If you have additional questions, call us at 1-800-721-8288 or visit a TCT branch to meet with a Member Service Specialist. 

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