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 MCT Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
MCT Credit Union's 1 year One year CD rates are at 4.08%, 6 month Six month CD rates are at 3.72%, 4 years Four years CD rates are at 3.20%, 3 years Three years CD rates are at 3.20%, 2 years Two years CD rates are at 3.15%. MCT Credit Union's savings rates are at 0.20%. MCT Credit Union's money market rates are at 0.60%. MCT Credit Union's Personal Loan Rates are as low as 11.75%. MCT Credit Union's Credit Card Rates are at 11.90%. MonitorBankRates evaluates the financial stability of MCT Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.03%. Rates last updated and verified on 09/22/2026. MCT Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at MCT Credit Union? Share your experience about MCT Credit Union by leaving a review below, or read customer reviews before you decide to use MCT Credit Union. 
MCT Credit Union CD Rates
MCT Credit Union Savings Rates
MCT Credit Union Money Market Rates
MCT Credit Union Checking Rates
MCT Credit Union Auto Loan Rates
MCT Credit Union RV, Boat and Powersport Loan Rates
MCT Credit Union Credit Card Rates
MCT Credit Union Personal Loan Rates
MCT Credit Union Other Rates
Financial Health HistoryMCT Credit Union’s Texas Ratio fell from 2.71% in Q2 2023 to 1.03% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for MCT Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather MCT Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with MCT Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
MCT Credit Union
Website
https://www.mctcu.org
Address
2736 Nall St,
Port Neches, TX 77651-5204
Phone
409-727-1446
Fax
409-724-3509
President
Trent Devenzio
CEO
THAD ANGELLE
Full-Time Employees
78
Part-Time Employees
1
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.03%
Return on Assets (ROA)
0.1054%
Return on Equity (ROE)
1.0483%
Non-Performing Loans Ratio (NPL)
0.18%
Total Assets
411,271,472
Total Amount of Shares and Deposits
361,730,777
Total Shares and Deposits < 1 Year
355,726,199
Total Shares and Deposits 1 3 Years
4,352,505
Total Shares and Deposits > 3 Years
1,652,075
Total Interest Expense (Sum of items 6 8)
1,028,239
Share Certificates
1,068
Number of Accounts for Share Drafts
16,253
IRA KEOGH Accounts
339
Number of Accounts for Regular Shares
21,266
All other shares
8,324
Money Market Shares
265
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
43,263,582
Total Liabilities
374,323,884
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for MCT Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for MCT Credit Union
Frequently Asked Questions About MCT Credit UnionHow many branches does MCT Credit Union operate?MCT Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join MCT Credit Union?Yes, to access services at MCT Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, MCT Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, MCT Credit Union provides members with tools to manage their accounts and build a solid financial history. Does MCT Credit Union offer online and mobile banking?Most modern institutions like MCT Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mctcu.org. Current MCT Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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