MCT Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 896^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 81 employees and 21,689 members at 6 locations. MCT Credit Union's CD rates are 5X the national average, and it has an A 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

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	97089
Year Chartered	1953
Employees	81
Primary Regulator

Profit Margin
Return on Assets - YTD	0.23%
Return on Equity - YTD	2.5%
Annual Interest Income	$3.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$376.7MM$358.5MM
Loans	Q1 2025vs Q1 2024	$228.4MM$230.1MM
Deposits	Q1 2025vs Q1 2024	$338.9MM$325.6MM
Equity Capital	Q1 2025vs Q1 2024	$33.2MM$30.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$881K$815K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$860K$941K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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%	$5	-	Membership Savings Account
0.20%	$0	-	Christmas Club

MCT Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%	$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
0.05%	$0	-	Business Checking

MCT Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.34%	$1k	-	1 Year CD
3.72%	$1k	-	6 Month CD
3.56%	$1k	-	5 Year CD
3.20%	$1k	-	3 Year CD
3.20%	$1k	-	4 Year CD
3.15%	$1k	-	2 Year CD

MCT Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.34%	$1k	-	1 Year IRA
3.72%	$1k	-	6 Month IRA
3.56%	$1k	-	5 Year IRA
3.20%	$1k	-	3 Year IRA
3.20%	$1k	-	4 Year IRA
3.15%	$1k	-	2 Year IRA
0.20%	$25	-	IRA Savings

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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