416 Rowland St
Ballston Spa, NY 12020
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Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Tct is an NCUA insured institution located in Ballston Spa, NY. It was founded in 1959 and has approximately $268.04 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 12957
Date Established 1959
Assets $268.04 million
Loans $191.11 million
Deposits $238.46 million
Capital $20.03 million

Field of Membership Restrictions

Membership is open to employees or students of the Ballston Spa Central School District or the Cambridge Central School District. Membership is also open to employees of the credit union's select employer group.

Deposit Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for TCT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Test Advertiser QA
2.422% 2.375% 0.63 $1,562 $972 Learn More
First Internet Bank
NMLS ID: 424182
2.790% 2.750% 0.50 $1,310 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to TCT
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Tct branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Tct Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Tct. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Tct U.S. Average
4.14% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Tct had $880,587 in non-current loans and $0 in owned assets. To cover these potential losses it had $20,032,859 in net worth and $1,227,549 in loans loss reserves. That gives it a Texas Ratio of 4.14%.

Net Worth
Tct U.S. Average
7.47% 12.67%

Tct FCU has a net worth of 7.47% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Tct

Branches and Savings

What is Tct?

A federal credit union, registered with the NCUA under certificate #12957.
Learn more about credit unions here.

Is Tct FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Tct is insured by the NCUA.

Who can join Tct?

Please see Field of Membership information above for information on who is eligible to join.

What are Tct's share account and share certificate rates?

Tct's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Tct?

Tct has total capital of $20.03 million. Full information on Tct's financial position is located above.

Who owns Tct?

Credit Unions are owned by their members.

Where are Tct branches located?

See branch locations nearby.

Are Tct ATMs Open 24/7?

Do Tct ATMs accept cash deposits?

Can Tct customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Tct have a mobile app?

Does Tct have mobile deposit?

Does Tct have quick pay?

How can Tct transfer money to other banks or credit unions?

Does Tct report to credit bureaus?

Does Tct use Chexsystems?

Does Tct use Equifax?

What is Tct's toll free phone number?

What is Tct's ACH Routing Number?

What is Tct's SWIFT code?

Where can I find Tct's wire transfer form?

What is the Tct address for deposits?

What Products Does Tct Offer

Does Tct offer mortgages?

Compare mortgage rates here.

Does Tct offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Tct offer auto and RV loans?

Compare auto loan rates here.

Does Tct offer student loans or personal loans?

Compare personal loan rates here.

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