Tct

416 ROWLAND ST, Ballston Spa, NY 12020

NCUA Insured4.8 (63 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Ballston Spa, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

416 ROWLAND ST

Ballston Spa, NY 12020

Google Maps 🗺Waze

(518) 884-7002

Service Area

This credit union is located in Ballston Spa and serves members in the NY area. Currently serving 14,589 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.00%

Used Auto Loan

5.74%

Personal Loan

9.24%

Credit Card APR

8.96%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.8

63 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Douglas “Saab 9-3XWD” Brown

7 months ago

We have been members of TCTFCU since 2015, and it has been amazing! We secure all of our car loans through them. They have been very helpful and always very friendly with the best rates anywhere! I will never deal with a traditional bank again after experiencing this awesome credit union! Believe me, I have been to a number of them, and one bank manager that I knew told me, "Yes, they have a better product"! Do your homework, try them!

Keri Jenkins

7 months ago

Love this credit union and have been a member for almost 2 decades now. Everyone is friendly, helpful and knowledgeable with a variety of services that make my life easier including a great fraud detection service. Multiple ATMs with zero service fees and convenient branch locations.

Adkluv

7 months ago

TCT FCU provides excellent customer service. I have been banking with them for over 30 years. They have treated me well and met all of my financial needs!

Steven Ray

7 months ago

We have been with TCT 10/2000 starting with our mortgage, & other small loans to follow over the years. We never had an issue or have been turned down for a lone. They also guided us down the correct path in order for us to pay off our depts.

Sean “BHBL1986” Gnat

7 months ago

I've been at TCT forever and love it! Online banking and in person transactions are so easy. Love all the people at the CP branch. They are always so kind and helpful.