TCT Credit Union

Ballston Spa, New York
Last verified: August 4, 2026
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Verified rate book

Current TCT Credit Union rates

41 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

13 offers
TCT Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36-Month Auto Loanauto_any_36mo4.750% APR4.750%36 moStandard
72-Month Auto Loanauto_any_72mo5.000% APR5.000%72 moStandard
60-Month Auto Loanauto_any_60mo5.500% APR5.500%60 moStandard
48-Month Auto Loanauto_any_48mo6.250% APR6.250%48 moStandard
84-Month Auto Loanauto_any_84mo6.500% APR6.500%84 moStandard
Sport Craft Vehicle Loan Rates (3 Year (36 month))auto_any_36mo7.990% APR7.990%36 moStandard
96-Month Auto Loanauto_any_96mo8.240% APR8.240%96 moStandard
Sport Craft Vehicle Loan Rates (4 Year (48 month))auto_any_48mo8.990% APR8.990%48 moStandard
120-Month Auto Loanauto_any_120mo9.240% APR9.240%120 moStandard
Sport Craft Vehicle Loan Rates (5 Year (60 month))auto_any_60mo9.990% APR9.990%60 moStandard
120-Month Auto Loanauto_any_120mo10.240% APR10.240%120 moStandard
180-Month Auto Loanauto_any_180mo10.750% APR10.750%180 moStandard
180-Month Auto Loanauto_any_180mo11.240% APR11.240%180 moStandard

HELOC rates

14 offers
TCT Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable4.750% APR4.750%—Standard
5-Year Home Equity Loan (Fixed)heloc_fixed5.490% APR5.490%—Standard
HELOC ^ (4.75 % APR* Variable Rate Plan:)heloc_variable5.750% APR5.750%—Standard
10-Year Home Equity Loanheloc5.750% APR5.750%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed5.750% APR5.750%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed6.250% APR6.250%—Standard
15-Year Home Equity Loanheloc6.250% APR6.250%—Standard
20-Year Home Equity Loan (Fixed)heloc_fixed6.750% APR6.750%—Standard
20-Year Home Equity Loanheloc6.750% APR6.750%—Standard
Max Home Equity Loan ^ (5 Year (60 month))heloc_fixed8.490% APR8.490%—Standard
Max Home Equity Loan ^ (10 Year (120 month))heloc_fixed8.990% APR8.990%—Standard
Max Home Equity Loan ^ (15 Year (180 month))heloc_fixed9.250% APR9.250%—Standard
2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)heloc10.000% APR10.000%—Standard
HELOC (Variable)heloc_variable15.000% APR15.000%—Standard

Personal loan rates

6 offers
TCT Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Up to 36-Month Share-Secured Loanpersonal_secured_36mo2.000% APR2.000%36 moStandard
Up to 60-Month Share-Secured Loanpersonal_secured_60mo4.000% APR4.000%60 moStandard
12-Month Unsecured Personal Loanpersonal_unsecured_12mo4.990% APR4.990%12 moStandard
Credit Builder Loanpersonal6.000% APR6.000%—Standard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo7.240% APR7.240%36 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo9.240% APR9.240%60 moStandard

Credit card rates

2 offers
TCT Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Balance Transferscredit_card_balance_transfer6.960% APR6.960%—Standard
Purchasescredit_card8.960% APR8.960%—Standard

Other rates

6 offers
TCT Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
10-Year U.S. Inflation: Average 1.9%other0.100% %0.100%—Standard
CALCULATE PAYMENTother4.750% %4.750%—Standard
4.75 % APR* Variable Rate Plan:other5.750% %5.750%—Standard
Up to 2 Year (24 month)other6.000% %6.000%—Standard
Cash Advancesother6.960% %6.960%—Standard
Revolvingother9.960% %9.960%—Standard

Auto loans available from 4.75% APR for 36 months. HELOC rates from 4.75% APR. Personal loan rates from 2% APR. Credit card rates from 6.96% APR.

Source: RateAPI.dev, verified from TCT Credit Union's official website

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About TCT Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
14.6K
Assets
$292M
Founded
1959
Locations reported
4
NCUA charter
12957
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

BroadviewMalta CC · Malta · NY · 12020Branch in the same ZIPHudson ValleyMalta · Malta · NY · 12020Branch in the same ZIPSaratoga's Community444 Geyser Rd · Ballston Spa · NY · 12020Branch in the same ZIPStewart'sStewart's FCU · Ballston Spa · NY · 12020Branch in the same ZIPSunmarkMilton · Ballston Spa · NY · 12020-6009Branch in the same ZIPFirst New YorkSaratoga Location · Saratoga Springs · NY · 12866-5506About 8.2 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join TCT Credit Union

Membership eligibility from TCT Credit Union's own published criteria. How we verify this.

Membership via the Ballston Spa Central School

  • AssociationBallston Spa Central School

Verified from TCT Credit Union's membership page. Final membership determination is always made by the credit union.

Work at TCT Credit Union?

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Frequently Asked Questions

What rates does TCT Credit Union offer?

TCT Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are TCT Credit Union rates updated?

RateAPI verifies TCT Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get TCT Credit Union's rate data?

Rate data is collected directly from TCT Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are TCT Credit Union's auto loan rates?

As of August 4, 2026, TCT Credit Union offers auto loans from 4.75% APR.

What is TCT Credit Union's HELOC rate?

As of August 4, 2026, TCT Credit Union offers home equity lines of credit from 4.75% APR.

What is TCT Credit Union's personal loan rate?

As of August 4, 2026, TCT Credit Union offers personal loans from 2% APR.

Related Rate Data

Compare TCT Credit Union's rates against national credit-union benchmarks.

More New York credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for TCT Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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