MCT Credit Union is headquartered in Port Neches and is the 75th largest credit union in the state of Texas. It is also the 896th 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.
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
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 |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.65% | $2.5k | - | Money Market Fund |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
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 |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
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 |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
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 |
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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