Credit union · NCUA insured
TCT FCU Savings Rates
Top CarrotTCT FCU’s best savings rate is 0.15% APY on $10,000, with its Regular Money Market Account. Rates checked October 16, 2026.
How TCT FCU’s savings rates compare
Compared with banks and credit unions near Albany, NY, where TCT FCU has the most branches. $10,000, best rate first.
This credit union’s best
TCT FCU
0.15%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $15
Regular Money Market Account
Top rate
NextStep Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $400
2nd-highest rate
Pioneer
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
TCT FCU savings score
68
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where TCT FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Special
0.25%APY
Minimum balance to open is $60,000. Allows 2 free withdrawals per month; $10.00 fee for each withdrawal after 2. If average daily balance falls below $60,000, account earns the highest regular money market rate and member has 30 days to bring balance back to at least $60,000 to maintain special designation.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $60,000Rate applies if average daily balance is between $500.00 and $59,999.99. 30-day grace period to restore balance to $60,000 to maintain special designation. | 0.25% | $25 | Rate applies if average daily balance is between $500.00 and $59,999.99. 30-day grace period to restore balance to $60,000 to maintain special designation. |
| $60,000 and upRequires $60,000 minimum balance. 2 free withdrawals per month, $10.00 fee per withdrawal thereafter. | 0.35% | — | Requires $60,000 minimum balance. 2 free withdrawals per month, $10.00 fee per withdrawal thereafter. |
Sources (4)
- tctfcu.org/money-markets
- tctfcu.org/savings-accounts
- tctfcu.org/savings-rates
- tctfcu.org/files/tctfedcu/1/fi…th-In-Savings-Shares.pdf
All captured Oct 5, 2026
Regular Money Market Account
0.15%APY
Minimum balance to open is $500. Dividends are calculated on the average daily balance and compounded/credited monthly. Allows 4 free withdrawals per month; $5.00 fee for each withdrawal after 4.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Rate applies to average daily balance within the tier. 4 free withdrawals per month, $5.00 fee per withdrawal thereafter. | 0.15% | — | Rate applies to average daily balance within the tier. 4 free withdrawals per month, $5.00 fee per withdrawal thereafter. |
| $10,000 – $25,000Rate applies to average daily balance within the tier. 4 free withdrawals per month, $5.00 fee per withdrawal thereafter. | 0.15% | $15 | Rate applies to average daily balance within the tier. 4 free withdrawals per month, $5.00 fee per withdrawal thereafter. |
| $25,000 – $50,000Rate applies to average daily balance within the tier. 4 free withdrawals per month, $5.00 fee per withdrawal thereafter. | 0.20% | — | Rate applies to average daily balance within the tier. 4 free withdrawals per month, $5.00 fee per withdrawal thereafter. |
| $50,000 and upRate applies to average daily balance within the tier. 4 free withdrawals per month, $5.00 fee per withdrawal thereafter. | 0.25% | — | Rate applies to average daily balance within the tier. 4 free withdrawals per month, $5.00 fee per withdrawal thereafter. |
Sources (4)
- tctfcu.org/money-markets
- tctfcu.org/savings-accounts
- tctfcu.org/savings-rates
- tctfcu.org/files/tctfedcu/1/fi…th-In-Savings-Shares.pdf
All captured Oct 5, 2026
Share Savings Account
0.10%APY
Included with TCT membership. Requires a one-time deposit of $5.00 to secure ownership share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors.$5 and up | 0.10% | $10 | Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Shares: Traditional and Roth
0.25%APY
Individual Retirement Account share savings available as Traditional or Roth IRA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. | 0.25% | $25 | Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. |
| $50,000 – $100,000Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. | 0.25% | — | Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. |
| $100,000 – $150,000Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. | 0.35% | — | Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. |
| $150,000 – $250,000Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. | 0.35% | — | Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. |
| $250,000 and upDividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. | 0.45% | — | Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. |
Student Account
0.39%APY on $10,000
Available for youth ages 0–17 as a joint account with a parent or guardian who is a TCT FCU member. Requires an initial membership deposit of $5.00. No monthly fees or minimum balance requirements.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 2.96% |
| $1,000 and up | 0.10% |
On $10,000 the tiers blend to about 0.39% APY, earning $39 a year.
Sources (2)
All captured Oct 5, 2026
Sub-Share 'Club' Account
0.10%APY
Allows saving separately for specific goals with no minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors.Any balance | 0.10% | $10 | Dividend period is the calendar month. Rates and yields may change monthly as determined by the Credit Union's Board of Directors. |
Sources (3)
All captured Oct 5, 2026
Who can join TCT FCU
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.
Membership information collected October 5, 2026.