Welcome, Hudson Headwaters Health Network Employees!
TCT is here as your trusted guide to a bright financial future. We are small enough to know you, and big enough to help you reach your financial goals, faster. At TCT, everything we make goes back to our owners — you. That means lower fees, better rates, and trustworthy service.
Let us help you save more of your hard-earned money.
Switch to our Peace of Mind Checking with a low $7 overdraft fee and comes with fully managed Identity Theft Recovery Services, and more.
Refinance your Auto Loan and enjoy no payment for the first 90 days1
Refinance your Home Loan and let us pay the closing costs for you, up to $100,0002
Join TCT Today!
If you are ready to become a member, let's get started. Open your account online today. Mention who referred you and we’ll send referral rewards their way!
1 Although the first payment may not be due until 90 days from the date the loan is funded, interest will accrue during this time.
2 Closing costs including the New York State Mortgage Tax will be paid by TCT Federal Credit Union on behalf of the borrower on Home Equity Loans and Lines of Credit up to $100,000. This special offer may be withdrawn at any time. Existing TCT loans do not qualify for this special offer. All Lines of Credit require a minimum initial advance of $10,000. If the HELOC or Home Equity Loan is paid and closed within 3 years of the closing date, the borrower will be required to reimburse the Credit Union for all closing costs paid on their behalf which will be added to the payoff amount of the loan.
Say hello!
| Branch | Branch Address | Phone # | FAX # |
|---|---|---|---|
| Ballston Spa (Milton/Main) | 416 Rowland Street Ballston Spa, NY 12020 |
1-800-721-8288 | 518-884-7094 |
| Cambridge | 17 Gilbert Street Cambridge, NY 12816 |
1-800-721-8288 | 518-677-2677 |
| Clifton Park | 520 Vischer Ferry Road Clifton Park, NY 12065 |
1-800-721-8288 | 518-383-0107 |
| Queensbury | 4 Hunter Brook Lane Queensbury, NY 12804 |
1-800-721-8288 | 518-793-2177 |
Auto Loan Refinance
You may have driven off the lot with an auto loan rate your credit union can beat. TCT has the roadmap to budget-friendly payments and low loan rates.
VISA® Platinum Credit Card
Not all cards are created equal. We think ours is pretty great, and we think you will too. No annual fee, No balance transfer fee, Cashback Rewards, and Fixed low rates – means your rate won't go up.
DIY Banking
You can do almost any banking transaction online, including Transfer Money, Pay TCT, Deposit Checks, Enroll in Online Banking, Open an Account, Apply for a Loan, and Pay People.
Holiday Savings Related Resources
Scams, Fraud & Related Articles
- Online Shopping With NO Surprises - Stay Safe While Shopping Online This Holiday Season
- Top Five Fraud Trends
- Identity Theft Can Happen to Anyone
- Safeguard Yourself Against Student Loan Scams
- Beware of Caller ID Spoofing
- Social media a gold mine for scammers
- Mail Theft/Check Fraud is on the Rise in our Area
- Protecting Your Loved Ones from Elder Fraud
TCT Blog
- Jingle Bills: How to Avoid a Holiday Debt Hangover
- Online Shopping With NO Surprises - Stay Safe While Shopping Online This Holiday Season
- Buy Now, Pay Later: The Cost of Convenience
- Cybersecurity Awareness Month 2024: Protect Yourself in an Evolving Digital World
- ALERT! How to Avoid a Scam
- What makes TCT’s Visa so different from others? Let me tell you!
- Budgeting Basics: How to Create and Stick to a Personal Budget
- Do you have Peace of Mind?
- 7 Tips to Model Healthy Money Management
- Online Banking Enhancements Coming January 24
- Top Five Fraud Trends
- An All-New Online and Mobile Banking Experience
- Safeguard Yourself Against Student Loan Scams
- Beware of Caller ID Spoofing
- Student Loan Repayment, Simplified
- New look. Same great resources.
- Mid-Year Money Checkup: 5 Ways to Boost Your Financial Health
- Social media a gold mine for scammers
- Smart Money Moves: Financial Action Items for High School Grads
- TCT Federal Credit Union Announces 2023 Scholarship Recipients
- Five Tips for Retirement Planning
- Mail Theft/Check Fraud is on the Rise in our Area
- Car Buying Options
- Protecting Your Loved Ones from Elder Fraud
- Common Cents for Couples: How to Manage Money Together
- 5 Tips to Jump-Start Your Savings Plan
- Set ‘Em and Forget ‘Em: 4 Financial Resolutions You Can Accomplish Now
