|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 TCT Federal Credit Union Rates & Review October 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.
Read Full Bio →
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 and Verified: October 13, 2026
TCT Federal Credit Union's top rates as of October 13, 2026 are 3.60% APY on its 6 Month CD - Regular and IRA, 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 CD - Regular and IRA at 1.40%, 60 Month CD - Regular and IRA at 0.65%, and 36 Month CD - Regular and IRA 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 10/13/2026. 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. 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
TCT Federal Credit Union Home Equity & HELOC
TCT Federal Credit Union Auto Loan Rates
TCT Federal Credit Union RV, Boat and Powersport Loan Rates
TCT Federal Credit Union Credit Card Rates
TCT Federal Credit Union Personal Loan Rates
TCT Federal Credit Union Other Rates
Financial Health HistoryTCT 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
66
Part-Time Employees
2
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+ (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
Customer Reviews
There are no reviews for TCT Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for TCT Federal Credit Union
Frequently Asked Questions About TCT Federal Credit UnionHow 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. Current TCT Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Los Angeles Police Federal Credit Union
Riverfall Credit Union
Baxter Credit Union
Marblehead Municipal Federal Credit Union
Credit Union of Emporia
Mercer Credit Union
Victoria City County Employees Federal Credit Union
Star Usa Federal Credit Union
Americo Federal Credit Union
U HAUL
Chen-Del-O Federal Credit Union
Redeemer Federal Credit Union
Freedom Credit Union
Cosden Federal Credit Union
Division #6 Highway Credit Union
Explorers Federal Credit Union
Brunswick County Teachers Federal Credit Union
Faith Connection Federal Credit Union
Wabellco Federal Credit Union
First New York Federal Credit Union
PIONEER VALLEY
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking