MCT Credit Union


Overview / Commentary
409-727-1446
2736 Nall St
Port Neches, TX 77651

MCT Credit Union is headquartered in Port Neches and is the 68th largest credit union in the state of Texas. It is also the 823rd largest credit union in the nation. It was established in 1953 and as of December of 2020, it had grown to 80 employees and 20,555 members at 5 locations. MCT Credit Union has an A health rating.

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Health

Health Grade Components

Overall
NCUA #97089
Year Chartered1953
Employees80
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.66%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$357.0MM$300.0MM
LoansQ4 2020vs Q4 2019$183.4MM$190.5MM
DepositsQ4 2020vs Q4 2019$315.4MM$261.8MM
Equity CapitalQ4 2020vs Q4 2019$30.5MM$30.5MM
Loan Loss AllowanceQ4 2020vs Q4 2019$409.00K$570.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.1MM$1.6MM
Real Estate OwnedQ4 2020vs Q4 2019$0$171.00K
Rates
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MCT Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%-$20kKasasa Saver
0.25%--Sprout - MCT Clubhouse Savings Account
0.20%$25-IRA Savings
0.15%$25-Regular Share Account
0.15%--Christmas Club
0.15%--Kids Membership Savings Account

MCT Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$2.5k-Money Market Fund

MCT Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%-$20kKasasa Cash
0.15%--Business Checking

MCT Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-5 Year CD
0.85%$1k-3 Year CD
0.85%$1k-4 Year CD
0.70%$1k-2 Year CD
0.45%$1k-1 Year CD
0.30%$1k-6 Month CD

MCT Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-5 Year IRA
0.85%$1k-3 Year IRA
0.85%$1k-4 Year IRA
0.70%$1k-2 Year IRA
0.45%$1k-1 Year IRA
0.30%$1k-6 Month IRA
Locations


MCT Credit Union Locations
Branch Office94 N Lhs DrLumberton, TX 77657-8627
Branch Office5401 16th StOrange, TX 77632-1241
Corporate Office2736 Nall StPort Neches, TX 77651-5204
Branch Office4837 Highway 87 SOrange, TX 77630-9099
Branch Office524 N Memorial FwyNederland, TX 77627-7152

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