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iAdvertiser Disclosure
Advertiser Disclosure
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 TCT Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
TCT Federal Credit Union's Personal Loan Rates are at 7.24%. TCT Federal Credit Union's Credit Card Rates are at 8.96%. 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 2.53%. Rates were last updated on 04/17/2026. 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. 
TCT Federal Credit Union Mortgage Rates
TCT Federal Credit Union Home Equity & HELOC
TCT Federal Credit Union Auto Loan Rates
TCT Federal Credit Union Credit Card Rates
TCT Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
63
Part-Time Employees
3
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.53%
Return on Assets (ROA)
0.4037%
Return on Equity (ROE)
4.2032%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
283,732,191
Total Amount of Shares and Deposits
254,105,825
Total Shares and Deposits < 1 Year
251,945,215
Total Shares and Deposits 1 3 Years
2,140,493
Total Shares and Deposits > 3 Years
20,117
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,803,672
Total Uninsured Shares and Deposits > $250K (F+J)
15,803,672
Total Insured Shares and Deposits > $250K (item 17 less item K)
238,302,153
Total Interest Expense (Sum of items 6 8)
2,861,421
Share Certificates
1,962
Number of Accounts for Share Drafts
11,912
IRA KEOGH Accounts
413
Number of Accounts for Regular Shares
18,259
Non Member Deposits
6
Money Market Shares
1,342
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
-530,883
Total Liabilities
260,831,116
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About TCT Federal Credit UnionIs TCT Federal Credit Union a safe place to deposit money?Yes, TCT Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.5319746318875%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Credit Unions
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