Credit union · NCUA insured
TCT FCU
Top CarrotA $292M credit union headquartered in Ballston Spa, NY, with 14,607 members and 4 branches in New York. Best rates: CDs 3.60% and savings 0.15% APY.
TCT FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#2 of 25 in Albany, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TCT FCU
Established in 1959 as Tri-County Teachers Federal Credit Union, TCT FCU was founded to support the financial needs and well-being of founding members and their families in the school community.
Headquartered in Ballston Spa, New York, the credit union operates four branch locations across Ballston Spa, Cambridge, Clifton Park, and Queensbury.
The credit union continues to serve faculty and staff at 47 school districts as well as many other member groups.
- Headquarters
- 416 Rowland St, Ballston Spa, NY 12020
- NCUA charter
- 12957
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Faculty and staff at 47 school districts are eligible for membership.
- Students at eligible schools are eligible for TCT membership.
Branches
4 branches in New York
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New York
4 branches
Albany area · 2
- MiltonMain office416 Rowland St, Ballston Spa, NY 12020Directions
- Clifton Park520 Vischer Ferry Rd, Clifton Park, NY 12065Directions
Glens Falls area · 2
- Cambridge17 Gilbert St, Cambridge, NY 12816Directions
- Queensbury4 Hunter Brook Ln, Queensbury, NY 12804Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.45% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.65% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.34% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio9.45%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.65%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.34%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of TCT FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.