Overview / Commentary
2736 Nall St
Port Neches, TX 77651-5204

MCT Credit Union is headquartered in Port Neches and is the 66th largest credit union in the state of Texas. It is also the 790th largest credit union in the nation. It was established in 1953 and as of June of 2018, it had grown to 78 employees and 20,585 members at 5 locations. MCT Credit Union's CD rates are 46% higher than the national average, and it has a B+ health rating.

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Health Grade Components

NCUA #97089
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD6.75%
Annual Interest Income$5.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$308.6MM$266.2MM
LoansQ2 2018vs Q2 2017$189.0MM$183.0MM
DepositsQ2 2018vs Q2 2017$273.2MM$231.8MM
Equity CapitalQ2 2018vs Q2 2017$26.4MM$25.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$796.00K$942.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.2MM$1.8MM
Real Estate OwnedQ2 2018vs Q2 2017$539.00K$0
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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

0.50%*-$25kKasasa Saver
OTHER TIERS: 0.25% $25k+
0.25%$25-Regular Share Account
0.25%--Christmas Club
0.25%--Kids Membership Savings Account
0.25%--Sprout - MCT Clubhouse Savings Account

MCT Credit Union Checking Account Rates

2.01%*-$25kKasasa Cash
OTHER TIERS: 0.25% $25k+
0.13%--Business Checking

MCT Credit Union CD Rates

2.27%$1k-5 Year CD
1.92%$1k-4 Year CD
1.82%$1k-3 Year CD
1.61%$1k-2 Year CD
1.31%$1k-1 Year CD
1.11%$1k-6 Month CD

MCT Credit Union IRA Rates

2.27%$1k-5 Year IRA
1.92%$1k-4 Year IRA
1.82%$1k-3 Year IRA
1.61%$1k-2 Year IRA
1.31%$1k-1 Year IRA
1.11%$1k-6 Month IRA

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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