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 71^st largest credit union in the state of Texas. It is also the 872^nd largest credit union in the nation. It was established in 1953 and as of June of 2022, it had grown to 83 employees and 20,672 members at 5 locations. MCT Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

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2009

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

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Health

B+

Data as of Q2 2022

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Health Grade Components

Overall
NCUA #	97089
Year Chartered	1953
Employees	83
Primary Regulator

Profit Margin
Return on Assets - YTD	0.46%
Return on Equity - YTD	6.01%
Annual Interest Income	$5.3MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$368.9MM$365.5MM
Loans	Q2 2022vs Q2 2021	$214.7MM$196.8MM
Deposits	Q2 2022vs Q2 2021	$334.7MM$325.8MM
Equity Capital	Q2 2022vs Q2 2021	$28.2MM$32.2MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$378.00K$304.00K
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$1.5MM$455.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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MCT Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	-	$20k	Kasasa 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$2.5k	-	Money Market Fund

MCT Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%	-	$20k	Kasasa Cash
0.15%	-	-	Business Checking

MCT Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$1k	-	5 Year CD
2.48%	$1k	-	3 Year CD
2.48%	$1k	-	4 Year CD
2.32%	$1k	-	2 Year CD
2.02%	$1k	-	1 Year CD
1.46%	$1k	-	6 Month CD

MCT Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$1k	-	5 Year IRA
2.48%	$1k	-	3 Year IRA
2.48%	$1k	-	4 Year IRA
2.32%	$1k	-	2 Year IRA
2.02%	$1k	-	1 Year IRA
1.46%	$1k	-	6 Month 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

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