What are the current interest rates at TCT Federal Credit Union?

Current rates for TCT Federal Credit Union include: 12-Month CD: 0.35%, 18-Month CD: 0.50%, 24-Month CD: 0.55%, 60-Month CD: 0.65%

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TCT Federal Credit Union

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TCT Federal Credit Union Rates & Review October 2026

Q: How many branches does TCT Federal Credit Union operate?

TCT Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join TCT Federal Credit Union?

Yes, to access services at TCT Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, TCT Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

TCT Federal Credit Union's top rates as of October 9, 2026 are 3.60% APY on its 6 Month Regular and IRA CD, personal loans from 7.24% APR, and credit cards from 8.96% APR, according to rates verified by MonitorBankRates. Other TCT Federal Credit Union CD rates include 7 Month Regular and IRA CD at 1.40%, 60 Month Regular and IRA CD at 0.65%, and 36 Month Regular and IRA CD at 0.60%. MonitorBankRates evaluates the financial stability of TCT Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.88%. Rates last updated and verified on 10/09/2026.

TCT Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at TCT Federal Credit Union? Share your experience about TCT Federal Credit Union by leaving a review below, or read customer reviews before you decide to use TCT Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.88%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

TCT Federal Credit Union
Milton

416 Rowland St
Ballston Spa, NY 12020

https://www.tctfcu.org

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

TCT Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Regular and IRA Share Certificate	3.54%	3.60%	6 Month
Min Deposit $500 Details Early Withdrawal Penalty (Days of Dividend): 30 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
7 Month Regular and IRA Share Certificate	1.39%	1.40%	7 Month
Min Deposit $500 Details Early Withdrawal Penalty (Days of Dividend): 30 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
60 Month Regular and IRA Share Certificate	0.65%	0.65%	60 Month
Min Deposit $500 Details Early Withdrawal Penalty (Days of Dividend): 180 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
36 Month Regular and IRA Share Certificate	0.60%	0.60%	36 Month
Min Deposit $500 Details Early Withdrawal Penalty (Days of Dividend): 90 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
24 Month Regular and IRA Share Certificate	0.55%	0.55%	24 Month
Min Deposit $500 Details Early Withdrawal Penalty (Days of Dividend): 90 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
13 Month Regular and IRA Share Certificate	0.50%	0.50%	13 Month
Min Deposit $500 Details Early Withdrawal Penalty (Days of Dividend): 60 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
18 Month Regular and IRA Share Certificate	0.50%	0.50%	18 Month
Min Deposit $500 Details Early Withdrawal Penalty (Days of Dividend): 90 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
12 Month Regular and IRA Share Certificate	0.35%	0.35%	12 Month
Min Deposit $500 Details Early Withdrawal Penalty (Days of Dividend): 60 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
9 Month Regular and IRA Share Certificate	0.30%	0.30%	9 Month
Min Deposit $500 Details Early Withdrawal Penalty (Days of Dividend): 60 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%

TCT Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity RAPID REFI MORTGAGE (1st LIEN-HOLDER POSITION) - 10 Year (120 month)	-	-	5.75%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Home Equity RAPID REFI MORTGAGE (1st LIEN-HOLDER POSITION) - 15 Year (180 month)	-	-	6.25%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Home Equity 2nd LIEN-HOLDER POSITION - 5 Year (60 month)	-	-	6.50%	5 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Home Equity 2nd LIEN-HOLDER POSITION - 10 Year (120 month)	-	-	6.75%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Home Equity RAPID REFI MORTGAGE (1st LIEN-HOLDER POSITION) - 20 Year (240 month)	-	-	6.75%	20 Year
Details 20-year minimum loan amount is $50,000, available only to A+, A, and B tiers, and eligible only on first liens. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Home Equity 2nd LIEN-HOLDER POSITION - 15 Year (180 month)	-	-	7.25%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Max Home Equity Loan	-	-	8.49%	5 Year (60 month)
Details As Low As; Maximum Loan Amount: $25,000; Maximum Loan to Value (LTV) up to 90% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Max Home Equity Loan	-	-	8.99%	10 Year (120 month)
Details As Low As; Maximum Loan Amount: $25,000; Maximum Loan to Value (LTV) up to 90% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Max Home Equity Loan	-	-	9.25%	15 Year (180 month)
Details As Low As; Maximum Loan Amount: $25,000; Maximum Loan to Value (LTV) up to 90% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%

TCT Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Equity Loan - 2023 & Newer	-	-	7.00%	3 Year (36 Month)
Details Rates as low as; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Auto Equity Loan - 2022 & Older	-	-	7.50%	3 Year (36 Month)
Details Rates as low as; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Sport Craft Vehicle Loan	-	-	7.99%	3 Year (36 month)
Details As Low As; Interest Rates are quoted using the lowest Annual Percentage Rate (APR) available. Your individual credit qualifications will determine your rate and term. The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Auto Equity Loan - 2023 & Newer	-	-	8.00%	4 Year (48 month)
Details Rates as low as; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Auto Equity Loan - 2022 & Older	-	-	8.20%	4 Year (48 Month)
Details Rates as low as; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Sport Craft Vehicle Loan	-	-	8.99%	4 Year (48 month)
Details As Low As; Interest Rates are quoted using the lowest Annual Percentage Rate (APR) available. Your individual credit qualifications will determine your rate and term. The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Auto Equity Loan - 2023 & Newer	-	-	9.20%	5 Year (60 Month)
Details Rates as low as; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Auto Equity Loan - 2022 & Older	-	-	9.45%	5 Year (60 Month)
Details Rates as low as; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Sport Craft Vehicle Loan	-	-	9.99%	5 Year (60 month)
Details As Low As; Interest Rates are quoted using the lowest Annual Percentage Rate (APR) available. Your individual credit qualifications will determine your rate and term. The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%

TCT Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Platinum Credit Card - Purchases	-	8.96%
Details Published APR range: 8.96% - 16.96%. based on creditworthiness; 25-Day Grace Period for Purchases \| No Annual Fee \| No Minimum Finance Charge \| No Transaction Fee for Purchases \| Method for calculating balances for purchases: Average daily balance (including new purchases) \| Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.96% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%

TCT Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.24%	3 Year (36 month)
Details Rates as low as; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Personal Loan	9.24%	5 Year (60 month)
Details Rates as low as; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%
Personal Line of Credit	9.96%	Revolving
Details Maximum APR: 16.21%; Minimum Loan Amount: $500 \| Maximum Loan Amount: $20,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.96% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.88%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

TCT Federal Credit Union’s Texas Ratio rose from 2.01% in Q3 2023 to 4.88% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$296M	4.88%	5.0	A+
March 31, 2026	$292M	1.91%	5.0	A+
December 31, 2025	$288M	3.39%	5.0	A+
September 30, 2025	$284M	2.46%	5.0	A+
June 30, 2025	$284M	1.99%	5.0	A+
March 31, 2025	$282M	1.72%	5.0	A+
December 31, 2024	$284M	2.88%	5.0	A+
September 30, 2024	$295M	2.04%	5.0	A+
June 30, 2024	$299M	1.96%	5.0	A+
March 31, 2024	$297M	2.00%	5.0	A+
December 31, 2023	$290M	1.92%	5.0	A+
September 30, 2023	$293M	2.01%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for TCT Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather TCT Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with TCT Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TCT Federal Credit Union

Website https://www.tctfcu.org

Address 416 Rowland St, Ballston Spa, NY 12020

Phone 518-884-7002

Fax 518-884-7094

President Peter Trombley

CEO Curt Cecala

Full-Time Employees 66

Part-Time Employees 2

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.88%

Return on Assets (ROA)

0.1701%

Return on Equity (ROE)

1.7994%

Non-Performing Loans Ratio (NPL)

0.65%

Total Assets

295,618,825

Total Amount of Shares and Deposits

267,304,654

Total Shares and Deposits < 1 Year

266,063,253

Total Shares and Deposits 1 3 Years

1,163,770

Total Shares and Deposits > 3 Years

77,631

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

20,438,534

Total Uninsured Shares and Deposits > $250K (F+J)

20,438,534

Total Insured Shares and Deposits > $250K (item 17 less item K)

246,866,120

Total Interest Expense (Sum of items 6 8)

1,802,763

Share Certificates

2,060

Number of Accounts for Share Drafts

11,974

IRA KEOGH Accounts

400

Number of Accounts for Regular Shares

18,436

Money Market Shares

1,309

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

6,421,406

Total Liabilities

271,974,107

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

TCT Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About TCT Federal Credit Union

How many branches does TCT Federal Credit Union operate?

TCT Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join TCT Federal Credit Union?

Yes, to access services at TCT Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, TCT Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, TCT Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does TCT Federal Credit Union offer online and mobile banking?

Most modern institutions like TCT Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tctfcu.org.