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TCT Federal Credit Union

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TCT Federal Credit Union Rates & Review August 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: August 29, 2026

TCT Federal Credit Union's Personal Loan Rates are at 6.00%. 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 2.46%. Rates last updated and verified on 08/29/2026.

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 Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.46%

Excellent Lower than avg

TCT Federal Credit Union
Milton

416 Rowland St
Ballston Spa, NY 12020

https://www.tctfcu.org

TCT Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - Premier Plan	-	-	4.75%	25 Year Repayment Period \| 10 Year Draw Period
Details Variable Rate Plan: Initial rate is discounted for the first 36 months, thereafter prime rate plus 0% for the life of the loan. Annual interest rate review, 2% annual adjustment cap with a maximum rate of 15.00%, and a floor of 4.00%, except for the introductory rate offered. Index is the Prime Rate as published in the Wall Street Journal 30 days prior to the anniversary date. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity Line of Credit - Preferred Plan	-	-	5.75%	25 Year Repayment Period \| 10 Year Draw Period
Details Variable Rate Plan: Initial rate is discounted for the first 36 months, thereafter prime rate plus 1.00% for the life of the loan. Annual interest rate review, 2% annual adjustment cap with a maximum rate of 15.00%, and a floor rate of 5.00%, except for the introductory rate offered. Index is the Prime Rate as published in the Wall Street Journal 30 days prior to the anniversary date. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity RAPID REFI MORTGAGE (1st LIEN-HOLDER POSITION) 10 Year (120 month)	-	-	5.75%	10 Year (120 month)
Details Annual Percentage Rate. Minimum Loan Amount: $10,000 \| Maximum Loan Amount: $350,000 (RAPID REFI MORTGAGE /1st Lien Position), $150,000 (2nd Lien Position) Maximum Loan to Value (LTV) up to 60%. Other loan terms for up to 80% LTV are available. TCT Federal Credit Union NMLS Identifier: 643679 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity RAPID REFI MORTGAGE (1st LIEN-HOLDER POSITION) 15 Year (180 month)	-	-	6.25%	15 Year (180 month)
Details Annual Percentage Rate. Minimum Loan Amount: $10,000 \| Maximum Loan Amount: $350,000 (RAPID REFI MORTGAGE /1st Lien Position), $150,000 (2nd Lien Position) Maximum Loan to Value (LTV) up to 60%. Other loan terms for up to 80% LTV are available. TCT Federal Credit Union NMLS Identifier: 643679 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity 2nd LIEN-HOLDER POSITION 5 Year (60 month)	-	-	6.50%	5 Year (60 month)
Details Annual Percentage Rate. Minimum Loan Amount: $10,000 \| Maximum Loan Amount: $350,000 (RAPID REFI MORTGAGE /1st Lien Position), $150,000 (2nd Lien Position) Maximum Loan to Value (LTV) up to 60%. Other loan terms for up to 80% LTV are available. TCT Federal Credit Union NMLS Identifier: 643679 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity 2nd LIEN-HOLDER POSITION 10 Year (120 month)	-	-	6.75%	10 Year (120 month)
Details Annual Percentage Rate. Minimum Loan Amount: $10,000 \| Maximum Loan Amount: $350,000 (RAPID REFI MORTGAGE /1st Lien Position), $150,000 (2nd Lien Position) Maximum Loan to Value (LTV) up to 60%. Other loan terms for up to 80% LTV are available. TCT Federal Credit Union NMLS Identifier: 643679 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity RAPID REFI MORTGAGE (1st LIEN-HOLDER POSITION) 20 Year (240 month)	-	-	6.75%	20 Year (240 month)
Details ? 20-year minimum loan amount is $50,000, available only to A+, A, and B tiers, and eligible only on first liens. Annual Percentage Rate. Minimum Loan Amount: $10,000 \| Maximum Loan Amount: $350,000 (RAPID REFI MORTGAGE /1st Lien Position), $150,000 (2nd Lien Position) Maximum Loan to Value (LTV) up to 60%. Other loan terms for up to 80% LTV are available. TCT Federal Credit Union NMLS Identifier: 643679 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity 2nd LIEN-HOLDER POSITION 15 Year (180 month)	-	-	7.25%	15 Year (180 month)
Details Annual Percentage Rate. Minimum Loan Amount: $10,000 \| Maximum Loan Amount: $350,000 (RAPID REFI MORTGAGE /1st Lien Position), $150,000 (2nd Lien Position) Maximum Loan to Value (LTV) up to 60%. Other loan terms for up to 80% LTV are available. TCT Federal Credit Union NMLS Identifier: 643679 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity Loan	-	-	8.49%	5 Year (60 month)
Details Fixed Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity Loan	-	-	8.99%	10 Year (120 month)
Details Fixed Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Home Equity Loan	-	-	9.25%	15 Year (180 month)
Details Fixed Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

TCT Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Payment Saver Auto Loan	-	-	4.75%	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Payment Saver Auto Loan	-	-	5.50%	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Payment Saver Auto Loan	-	-	5.74%	3 Year (36 month)
Details Rates as low as; Model Years: 2022 & 2021; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Payment Saver Auto Loan	-	-	6.00%	6 Year (72 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.; Requires a minimum loan amount of $15,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Payment Saver Auto Loan	-	-	6.25%	4 Year (48 month)
Details Rates as low as; Model Years: 2022 & 2021; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Payment Saver Auto Loan	-	-	6.74%	5 Year (60 month)
Details Rates as low as; Model Years: 2022 & 2021; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Auto Equity Loan	-	-	7.00%	3 Year (36 Month)
Details Rates as low as; Auto Equity Loan Model Years: 2023 & Newer; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Auto Equity Loan	-	-	7.50%	3 Year (36 Month)
Details Rates as low as; Auto Equity Loan Model Years: 2022 & Older; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Sport Craft Vehicle Loan	-	-	7.99%	3 Year (36 month)
Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Auto Equity Loan	-	-	8.00%	4 Year (48 month)
Details Rates as low as; Auto Equity Loan Model Years: 2023 & Newer; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Auto Equity Loan	-	-	8.20%	4 Year (48 Month)
Details Rates as low as; Auto Equity Loan Model Years: 2022 & Older; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Sport Craft Vehicle Loan	-	-	8.99%	4 Year (48 month)
Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Auto Equity Loan	-	-	9.20%	5 Year (60 Month)
Details Rates as low as; Auto Equity Loan Model Years: 2023 & Newer; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Auto Equity Loan	-	-	9.45%	5 Year (60 Month)
Details Rates as low as; Auto Equity Loan Model Years: 2022 & Older; The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Sport Craft Vehicle Loan	-	-	9.99%	5 Year (60 month)
Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

TCT Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Credit Card - Balance Transfers	-	6.96%
Details based on creditworthiness Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
VISA Platinum Credit Card - Cash Advances	-	6.96%
Details based on creditworthiness Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
VISA Platinum Credit Card - Purchases	-	8.96%
Details based on creditworthiness Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

TCT Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	6.00%
Details Minimum Loan Amount: $500 \| Maximum Loan Amount: $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Personal Loan	-	7.24%
Details The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Personal Loan	-	9.24%
Details The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Personal Line of Credit	-	9.96%
Details Maximum APR: 16.21%; Minimum Loan Amount: $500 \| Maximum Loan Amount: $20,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

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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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 63

Part-Time Employees 3

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+ (99/100)

Texas Ratio

2.46%

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

Money Market Shares

1,342

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)

-530,883

Total Liabilities

260,831,116

Source: NCUA — Last Updated 09/30/2025

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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.