MCT Credit Union

Overview / Commentary

www.mctcu.org

409-727-1446

2736 Nall St
Port Neches, TX 77651

MCT Credit Union is headquartered in Port Neches and is the 75^th largest credit union in the state of Texas. It is also the 905^th largest credit union in the nation. It was established in 1953 and as of June of 2024, it had grown to 82 employees and 21,134 members at 6 locations. MCT Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in MCT Credit Union is open to those who live, work, or are located in the Texas counties of Hardin, Jefferson, or Orange.
See current membership details

View all posts from:

2009

9/12 - 4.01% Reward Checking Account at a Texas Credit Union (MCT)

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Health

B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	97089
Year Chartered	1953
Employees	82
Primary Regulator

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	3.97%
Annual Interest Income	$7.7MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$360.7MM$355.1MM
Loans	Q2 2024vs Q2 2023	$231.3MM$227.5MM
Deposits	Q2 2024vs Q2 2023	$323.6MM$320.7MM
Equity Capital	Q2 2024vs Q2 2023	$31.5MM$28.5MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$838K$819K
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1.1MM$1.1MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not MCT Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

MCT Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%^*	$0	$500	Sprout Savings
OTHER TIERS: 0.20% → $10k+ \| 0.75% → $5k - $10k \| 1.00% → $500 - $5k
2.01%	$0	$15k	Kasasa Saver
0.20%	$25	-	IRA Savings
0.20%	$0	-	Christmas Club
0.20%	$0	-	Membership Savings Account

MCT Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%	$2.5k	-	Money Market Fund

MCT Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
6.01%^*	$0	$15k	Kasasa Cash - Level 2
OTHER TIERS: 0.50% → $15k+
2.51%	$0	$15k	Kasasa Cash Level-1
0.13%	$0	-	Business Checking

MCT Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.65%	$1k	-	1 Year CD
4.08%	$1k	-	6 Month CD
3.77%	$1k	-	5 Year CD
3.51%	$1k	-	3 Year CD
3.51%	$1k	-	4 Year CD
3.40%	$1k	-	2 Year CD

MCT Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.65%	$1k	-	1 Year IRA
4.08%	$1k	-	6 Month IRA
3.77%	$1k	-	5 Year IRA
3.51%	$1k	-	3 Year IRA
3.51%	$1k	-	4 Year IRA
3.40%	$1k	-	2 Year IRA

Locations

MCT Credit Union Locations
Branch Office	94 N Lhs Dr	Lumberton, TX 77657-8627
Branch Office	5401 16th St	Orange, TX 77632-1241
Corporate Office	2736 Nall St	Port Neches, TX 77651-5204
Branch Office	4837 Highway 87 S	Orange, TX 77630-9099
Branch Office	524 N Memorial Fwy	Nederland, TX 77627-7152
Branch Office	3950 Dowlen Rd	Beaumont, TX 77706

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