MTC Federal Credit Union

Overview / Commentary

www.mtcfederal.com

864-908-3400

124 Verdae Blvd Suite 101
Greenville, SC 29607

MTC Federal Credit Union is headquartered in Greenville and is the 15^th largest credit union in the state of South Carolina. It is also the 1,120^th largest credit union in the nation. It was established in 1976 and as of December of 2018, it had grown to 71 employees and 17,543 members at 10 locations. MTC Federal Credit Union's money market rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to anyone through membership in the Roper Mountain Science Center($40 annual membership). Membership is also open to the following: 1) those who live, work, worship or attend school in Carter County in Oklahoma or prescribed areas in Anderson, Greenville or Pickens County in South Carolina; 2) employees of Amethyst Research Inc., Michelin North America, IBM, Johnson Controls, and other companies; 3) membership in the South Carolina Koi and Water Garden Society.
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Health

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	22520
Year Chartered	1976
Employees	71
Primary Regulator

Profit Margin
Return on Assets - YTD	1.07%
Return on Equity - YTD	6.57%
Annual Interest Income	$8.6MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$181.4MM$177.4MM
Loans	Q4 2018vs Q4 2017	$123.1MM$117.3MM
Deposits	Q4 2018vs Q4 2017	$147.7MM$145.7MM
Equity Capital	Q4 2018vs Q4 2017	$29.8MM$27.8MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$820.00K$1.1MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$479.00K$646.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$45.00K

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.

MTC Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$100k^*	-	Share Savings
OTHER TIERS: 0.15% → $50 - $1k \| 0.25% → $1k - $7.5k \| 0.35% → $7.5k - $15k \| 0.45% → $15k - $50k \| 0.55% → $50k - $75k \| 0.65% → $75k - $100k
0.55%^*	$50k^*	-	Custom Savings
OTHER TIERS: 0.15% → $5 - $1k \| 0.25% → $1k - $7.5k \| 0.35% → $7.5k - $15k \| 0.45% → $15k - $50k
0.55%^*	$50k^*	-	Christmas Club Savings
OTHER TIERS: 0.15% → $5 - $1k \| 0.25% → $1k - $7.5k \| 0.35% → $7.5k - $15k \| 0.45% → $15k - $50k
0.55%^*	$50k^*	-	Kirby Kangaroo Club
OTHER TIERS: 0.15% → $5 - $1k \| 0.25% → $1k - $7.5k \| 0.35% → $7.5k - $15k \| 0.45% → $15k - $50k
0.55%^*	$50k^*	-	Claim Your Youth Savings Club
OTHER TIERS: 0.15% → $5 - $1k \| 0.25% → $1k - $7.5k \| 0.35% → $7.5k - $15k \| 0.45% → $15k - $50k
0.50%	$250	-	IRA Savings

MTC Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.71%^*	$250k^*	-	Money Market Plus
OTHER TIERS: 1.31% → $15k - $50k \| 1.41% → $50k - $75k \| 1.51% → $75k - $100k \| 1.61% → $100k - $250k
1.41%^*	$100k^*	-	Money Market
OTHER TIERS: 0.90% → $2k - $15k \| 1.00% → $15k - $50k \| 1.21% → $50k - $75k \| 1.31% → $75k - $100k

MTC Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	-	Dividend Checking
OTHER TIERS: 0.10% → $300 - $2.5k \| 0.20% → $2.5k - $15k \| 0.30% → $15k - $50k \| 0.35% → $50k - $75k \| 0.40% → $75k - $100k
0.45%^*	$100k^*	-	E-Checking
OTHER TIERS: 0.10% → $1.5k - $2.5k \| 0.20% → $2.5k - $15k \| 0.30% → $15k - $50k \| 0.35% → $50k - $75k \| 0.40% → $75k - $100k
0.45%^*	$100k^*	-	Teen Checking
OTHER TIERS: 0.10% → $300 - $2.5k \| 0.20% → $2.5k - $15k \| 0.30% → $15k - $50k \| 0.35% → $50k - $75k \| 0.40% → $75k - $100k

MTC Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$10k	-	60 Month Share Plus CD
2.88%	$250	-	60 Month Share CD
2.67%	$10k	-	48 Month Share Plus CD
2.52%	$250	-	48 Month Share CD
2.42%	$10k	-	36 Month Share Plus CD
2.32%	$10k	-	30 Month Share Plus CD
2.27%	$250	-	36 Month Share CD
2.22%	$10k	-	24 Month Share Plus CD
2.17%	$250	-	30 Month Share CD
2.07%	$250	-	24 Month Share CD
2.02%	$10k	-	18 Month Share Plus CD
1.86%	$10k	-	12 Month Share Plus CD
1.86%	$250	-	18 Month Share CD
1.71%	$250	-	12 Month Share CD
1.41%	$10k	-	6 Month Share Plus CD
1.26%	$250	-	6 Month Share CD
1.21%	$10k	-	3 Month Share Plus CD
1.05%	$250	-	3 Month Share CD

MTC Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$10k	-	60 Month Share Plus IRA
2.88%	$250	-	60 Month IRA
2.67%	$10k	-	48 Month Share Plus IRA
2.52%	$250	-	48 Month IRA
2.42%	$10k	-	36 Month Share Plus IRA
2.32%	$10k	-	30 Month Share Plus IRA
2.27%	$250	-	36 Month IRA
2.22%	$10k	-	24 Month Share Plus IRA
2.17%	$250	-	30 Month IRA
2.07%	$250	-	24 Month IRA
2.02%	$10k	-	18 Month Share Plus IRA
1.86%	$10k	-	12 Month Share Plus IRA
1.86%	$250	-	18 Month IRA
1.71%	$250	-	12 Month IRA
1.41%	$10k	-	6 Month Share Plus IRA
1.26%	$250	-	6 Month IRA
1.21%	$10k	-	3 Month Share Plus IRA
1.05%	$250	-	3 Month Share IRA

Locations

Cities: Ardmore, Greenville, GREENVILLE, Lexington, Midland City, Sandy Springs, Spartanburg

Ardmore Branches
Branch Office	2001 12th Ave NW	Ardmore, OK 73401
Branch Office	1103 Michelin Rd	Ardmore, OK 73401

Greenville Branches
Branch Office	124 Verdae Blvd Suite 101	Greenville, SC 29607
Branch Office	2A The Pkwy	Greenville, SC 29615
Branch Office	517C Michelin Rd	Greenville, SC 29605

GREENVILLE Branches
Branch Office	3 RESEARCH DR Ste 100	GREENVILLE, SC 29607-5215

Lexington Branches
Branch Office	2420 Two Notch Rd	Lexington, SC 29072

Midland City Branches
Branch Office	3792 Mance Newton Rd Ste 2	Midland City, AL 36350

Sandy Springs Branches
Branch Office	6301 Highway 76	Sandy Springs, SC 29677

Spartanburg Branches
Branch Office	1785 New Cut Rd 1000 International Dr	Spartanburg, SC 29303

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