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MTC Federal Credit Union

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MTC Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at MTC Federal Credit Union?

Current rates for MTC Federal Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.39%, 24-Month CD: 3.44%, 60-Month CD: 3.80%, Savings: 1.26%, MMA: 2.52%

Q: What CD terms does MTC Federal Credit Union offer?

MTC Federal Credit Union CD rates are 4.17% APY for an 8 month CD, 3.85% APY for a 12 month CD, 3.39% APY for an 18 month CD, 3.44% APY for a 2 year CD, 3.85% APY for a 4 year CD and 4.01% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with MTC Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

MTC Federal Credit Union's CDs Specials - 8 Month rates are at 4.17%, 60 Month CDs Plus rates are at 4.01%, 12 Month CDs Plus rates are at 3.85%, 48 Month CDs Plus rates are at 3.85%, 60 Month CDs rates are at 3.80%. MTC Federal Credit Union's savings rates are at 1.26%. MTC Federal Credit Union's money market rates are at 2.52%. MTC Federal Credit Union's checking rates are as high as 5.00%. MTC Federal Credit Union's Auto Loan Rates are as low as 4.50%. MTC Federal Credit Union's Credit Card Rates are at 8.15%. MTC Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of MTC Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.42%. Rates last updated and verified on 10/29/2026.

MTC Federal 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 MTC Federal Credit Union? Share your experience about MTC Federal Credit Union by leaving a review below, or read customer reviews before you decide to use MTC Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.42%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

MTC Federal Credit Union
Brookfield

201 Brookfield Pkwy
Greenville, SC 29607-5744

https://www.mtcfederal.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

MTC Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates Specials - 8 Month	4.10%	4.17%	8 Month
Min Deposit $500 Details Qualifying members: (a) recurring direct deposit present in last 90 days, minimum 5 financial transactions excluding dividend accrual in previous 90 days, and open debit card attached to MTC Federal checking account; or (b) minimum total originated balance of $20,000 in active loans with MTC Federal; or (c) minimum $10,000 new money deposited from another financial institution. Auto renews to 12-month term; Minimum Opening deposit $500.00; All share certificates subject to early withdrawal penalty; Specials subject to change during promotional period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.17% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
60 Month Share Certificates Plus	3.95%	4.01%	60 months
Details Quarterly Posted Dividend Certificates; Compound Dividend Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Plus Certificate - 60 month	3.95%	4.01%	60 months
Min Balance $10,000 Details Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
12 Month Share Certificates Plus	3.80%	3.85%	12 months
Details Quarterly Posted Dividend Certificates; Compound Dividend Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Oct 15, 20263.85%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
48 Month Share Certificates Plus	3.80%	3.85%	48 months
Details Quarterly Posted Dividend Certificates; Compound Dividend Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Plus Certificate - 12 month	3.80%	3.85%	12 months
Min Balance $10,000 Details Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Oct 15, 20263.85%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Plus Certificate - 48 month	3.80%	3.85%	48 months
Min Balance $10,000 Details Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
60 Month Share Certificates	3.75%	3.80%	60 months
Details Quarterly Posted Dividend Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Certificates Specials - 8 Month	3.75%	3.80%	8 Month
Min Deposit $500 Details Auto renews to 12-month term; Minimum Opening deposit $500.00; All share certificates subject to early withdrawal penalty; Specials subject to change during promotional period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
36 Month Share Certificates Plus	3.70%	3.75%	36 months
Details Quarterly Posted Dividend Certificates; Compound Dividend Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Plus Certificate - 36 month	3.70%	3.75%	36 months
Min Balance $10,000 Details Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
30 Month Share Certificates Plus	3.65%	3.70%	30 months
Details Quarterly Posted Dividend Certificates; Compound Dividend Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Plus Certificate - 30 month	3.65%	3.70%	30 months
Min Balance $10,000 Details Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
12 Month Share Certificates	3.60%	3.65%	12 months
Details Quarterly Posted Dividend Certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.34% → 3.65% ▲ 0.31 pts · high 3.65% / low 3.34% Oct 23, 20263.65%▲ from 3.34% Sep 14, 20263.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
24 Month Share Certificates Plus	3.60%	3.65%	24 months
Details Quarterly Posted Dividend Certificates; Compound Dividend Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.34% → 3.65% ▲ 0.31 pts · high 3.65% / low 3.34% Oct 15, 20263.65%▲ from 3.34% Sep 14, 20263.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
48 Month Share Certificates	3.60%	3.65%	48 months
Details Quarterly Posted Dividend Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Plus Certificate - 24 month	3.60%	3.65%	24 months
Min Balance $10,000 Details Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.34% → 3.65% ▲ 0.31 pts · high 3.65% / low 3.34% Oct 15, 20263.65%▲ from 3.34% Sep 14, 20263.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
18 Month Share Certificates Plus	3.55%	3.60%	18 months
Details Quarterly Posted Dividend Certificates; Compound Dividend Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44% Oct 15, 20263.60%▲ from 3.44% Sep 14, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Plus Certificate - 18 month	3.55%	3.60%	18 months
Min Balance $10,000 Details Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44% Oct 15, 20263.60%▲ from 3.44% Sep 14, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
36 Month Share Certificates	3.50%	3.55%	36 months
Details Quarterly Posted Dividend Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
6 Month Share Certificates Plus	3.50%	3.55%	6 months
Details Quarterly Posted Dividend Certificates; Compound Dividend Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.34% → 3.55% ▲ 0.21 pts · high 3.55% / low 3.34% Oct 15, 20263.55%▲ from 3.34% Sep 14, 20263.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Plus Certificate - 6 month	3.50%	3.55%	6 months
Min Balance $10,000 Details Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.34% → 3.55% ▲ 0.21 pts · high 3.55% / low 3.34% Oct 15, 20263.55%▲ from 3.34% Sep 14, 20263.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
30 Month Share Certificates	3.45%	3.49%	30 months
Details Quarterly Posted Dividend Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.49% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
24 Month Share Certificates	3.40%	3.44%	24 months
Details Quarterly Posted Dividend Certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.44% ▲ 0.30 pts · high 3.44% / low 3.14% Oct 23, 20263.44%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
18 Month Share Certificates	3.35%	3.39%	18 months
Details Quarterly Posted Dividend Certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24% Oct 23, 20263.39%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
6 Month Share Certificates	3.30%	3.34%	6 months
Details Quarterly Posted Dividend Certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.34% ▲ 0.20 pts · high 3.34% / low 3.14% Oct 23, 20263.34%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
3 Month Share Certificates Plus	2.45%	2.47%	3 months
Details Quarterly Posted Dividend Certificates; Compound Dividend Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Plus Certificate - 3 month	2.45%	2.47%	3 months
Min Balance $10,000 Details Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
3 Month Share Certificates	2.25%	2.27%	3 months
Details Quarterly Posted Dividend Certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

MTC Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	1.25%	1.26%
Min Balance $250 Details Balance: over $250; Minimum Balance to Earn APY: $250; Minimum Balance to Avoid Fees: $250 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Savings Account	0.40%	0.40%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Savings Account	0.30%	0.30%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Christmas Club Savings Account	-	0.20%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Custom Savings Account	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Savings Account	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Christmas Club Savings Account	-	0.10%
Min Balance $1,000 Details Balance: $1,000 - $7,499.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Christmas Club Savings Account	-	0.10%
Min Balance $7,500 Details Balance: $7,500 - $14,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Christmas Club Savings Account	-	0.10%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Custom Savings Account	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $7,499.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Custom Savings Account	0.10%	0.10%
Min Balance $7,500 Details Balance: $7,500 - $14,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Custom Savings Account	0.10%	0.10%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Savings Account	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $7,499.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Savings Account	0.10%	0.10%
Min Balance $7,500 Details Balance: $7,500 - $14,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Savings Account	0.10%	0.10%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Christmas Club Savings Account	-	0.05%
Min Balance $5 Details Balance: $5 - $999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Custom Savings Account	0.05%	0.05%
Min Balance $5 Details Balance: $5 - $999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Savings Account	0.05%	0.05%
Min Balance $50 Details Balance: $50 - $999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

MTC Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account Plus	2.50%	2.52%
Min Balance $250,000 Details Balance: $250,000 or more; Limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.52% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Market Account Plus	2.25%	2.27%
Min Balance $100,000 Details Balance: $100,000 or $249,999.99; Limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Market Account	1.90%	1.91%
Min Balance $100,000 Details Balance: $100,000 or more; Money Market accounts are limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.91% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Market Account Plus	1.80%	1.81%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99; Limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 1.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Market Account Plus	1.55%	1.56%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99; Limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 1.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Market Account	1.45%	1.45%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99; Money Market accounts are limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Market Account Plus	1.35%	1.35%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99; Limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Market Account	1.20%	1.20%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99; Money Market accounts are limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Market Account	1.00%	1.00%
Min Balance $2,000 Details Balance: $2,000 - $14,999.99; Money Market accounts are limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Market Account	1.00%	1.00%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99; Money Market accounts are limited to six withdrawals per month; $10 fee per excessive withdrawal Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

MTC Federal Credit Union Checking Rates

Product	Rate	APY
High-Yield Checking	-	5.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $15,000.00; Qualifying balance up to $15,000.00; Monthly Rewards; Monthly maintenance fee:; Refunds of ATM withdrawal fees up to $25, nationwide Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Dividend Checking	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
E-Checking	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Dividend Checking	0.20%	0.20%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
E-Checking	0.20%	0.20%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Dividend Checking	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
E-Checking	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Dividend Checking	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $14,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Dividend Checking	0.10%	0.10%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
E-Checking	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $14,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
E-Checking	0.10%	0.10%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Dividend Checking	0.05%	0.05%
Min Balance $300 Details Balance: $300 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
E-Checking	0.05%	0.05%
Min Balance $1,500 Details Balance: $1,500 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

MTC Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 24 Months	-	-	4.50%	24 Months
Details As Low As; Auto Loans (Vehicle Loans) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan - 36 Months	-	-	4.50%	36 Months
Details As Low As; Auto Loans (Vehicle Loans) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
New & Used Vehicle Loan	-	-	4.50%	24 Months
Details As Low As; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
New & Used Vehicle Loan	-	-	4.50%	36 Months
Details As Low As; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Vehicle Loan	-	-	4.50%	24-36 months
Details As Low As; Guaranteed Better Loan Advantage; No payment for 90 days; Flexible monthly terms 24-84; Rates effective as of September 1, 2026; subject to change Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan - 48 Months	-	-	5.00%	48 Months
Details As Low As; Auto Loans (Vehicle Loans) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
New & Used Vehicle Loan	-	-	5.00%	48 Months
Details As Low As; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan - 60 Months	-	-	5.75%	60 Months
Details As Low As; Auto Loans (Vehicle Loans) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
New & Used Vehicle Loan	-	-	5.75%	60 Months
Details As Low As; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan - 72 Months	-	-	6.75%	72 Months
Details As Low As; Auto Loans (Vehicle Loans) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
New & Used Vehicle Loan	-	-	6.75%	72 Months
Details As Low As; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan - 84 Months	-	-	8.00%	84 Months
Details As Low As; Auto Loans (Vehicle Loans) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
New & Used Vehicle Loan	-	-	8.00%	84 Months
Details As Low As; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

MTC Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - 24 Months	-	6.75%	24 Months
Details As Low As; Annual Percentage Rate (APR) as low as; Loan rates are based upon applicant's credit worthiness and may vary; Please call for quote Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Motorcycle Loan - 36 Months	-	6.75%	36 Months
Details As Low As; Annual Percentage Rate (APR) as low as; Loan rates are based upon applicant's credit worthiness and may vary; Please call for quote Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Boats, Campers and Recreational Vehicle Loan	-	7.00%	24 Months
Details As Low As; Annual Percentage Rate (APR) as low as Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Boats, Campers and Recreational Vehicle Loan	-	7.00%	36 Months
Details As Low As; Annual Percentage Rate (APR) as low as Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Boats, Campers and Recreational Vehicle Loan	-	7.00%	48 Months
Details As Low As; Annual Percentage Rate (APR) as low as Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Boats, Campers and Recreational Vehicle Loan	-	7.25%	60 Months
Details As Low As; Annual Percentage Rate (APR) as low as Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Motorcycle Loan - 48 Months	-	7.25%	48 Months
Details As Low As; Annual Percentage Rate (APR) as low as; Loan rates are based upon applicant's credit worthiness and may vary; Please call for quote Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Boats, Campers and Recreational Vehicle Loan	-	7.75%	72 Months
Details As Low As; Annual Percentage Rate (APR) as low as Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Motorcycle Loan - 60 Months	-	8.00%	60 Months
Details As Low As; Annual Percentage Rate (APR) as low as; Loan rates are based upon applicant's credit worthiness and may vary; Please call for quote Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Boats, Campers and Recreational Vehicle Loan	-	8.50%	84 Months
Details As Low As; Annual Percentage Rate (APR) as low as Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Motorcycle Loan - 72 Months	-	9.00%	72 Months
Details As Low As; Annual Percentage Rate (APR) as low as; Loan rates are based upon applicant's credit worthiness and may vary; Please call for quote Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Motorcycle Loan - 84 Months	-	10.25%	84 Months
Details As Low As; Annual Percentage Rate (APR) as low as; Loan rates are based upon applicant's credit worthiness and may vary; Please call for quote Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

MTC Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
MTC Federal Platinum Mastercard	-	8.15%
Details As Low As; Introductory Rate; Intro rate expires: 12 months on transactions posted within 30 days of account opening; after the intro period the standard variable APR applies (not stated on page) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.90% → 8.15% ▲ 0.25 pts · high 8.15% / low 7.90% Oct 9, 20268.15%▲ from 7.90% Sep 14, 20267.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

MTC Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Custom Loan	-	-	9.75%	Up to 60 Months
Details As Low As; Personal Loans rates effective as of October 23, 2026; Rates subject to change. Please call for quote. Additional discounts may be available. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Line of Credit	-	-	8.95%
Details As Low As; Annual Percentage Rates (APR) vary; Rates subject to change. Please call for quote. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
High-Yield Saving	0.05%	-	0.05%
Details Account qualifications not met; Balance: Entire Balance Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

MTC Federal Credit Union’s Texas Ratio rose from 2.14% in Q3 2023 to 4.42% in Q2 2026, so its financial health has stayed 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$303M	4.42%	5.0	A+
March 31, 2026	$300M	4.39%	5.0	A+
December 31, 2025	$295M	4.30%	5.0	A+
September 30, 2025	$278M	5.09%	5.0	A+
June 30, 2025	$281M	4.95%	5.0	A+
March 31, 2025	$274M	5.31%	5.0	A+
December 31, 2024	$272M	5.98%	5.0	A+
September 30, 2024	$281M	5.12%	5.0	A+
June 30, 2024	$283M	3.10%	5.0	A+
March 31, 2024	$289M	3.02%	5.0	A+
December 31, 2023	$277M	2.85%	5.0	A+
September 30, 2023	$276M	2.14%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for MTC Federal 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 MTC Federal 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 MTC Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MTC Federal Credit Union

Website https://www.mtcfederal.com

Address 201 Brookfield Pkwy, Greenville, SC 29607-5744

Phone 864-908-3400

Fax

President Michael Hanna

CEO Kimberly Witt

Full-Time Employees 85

Part-Time Employees 0

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.42%

Return on Assets (ROA)

0.0651%

Return on Equity (ROE)

0.5114%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

302,579,460

Total Amount of Shares and Deposits

259,334,461

Total Shares and Deposits < 1 Year

251,386,635

Total Shares and Deposits 1 3 Years

6,548,896

Total Shares and Deposits > 3 Years

1,398,930

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

14,910,260

Total Uninsured Shares and Deposits > $250K (F+J)

14,910,260

Total Insured Shares and Deposits > $250K (item 17 less item K)

244,424,201

Total Interest Expense (Sum of items 6 8)

2,483,008

Share Certificates

1,511

Number of Accounts for Share Drafts

12,285

IRA KEOGH Accounts

291

Number of Accounts for Regular Shares

18,756

Money Market Shares

1,068

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)

25,722,357

Total Liabilities

264,060,278

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

MTC Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About MTC Federal Credit Union

Does MTC Federal Credit Union offer CDs?

Yes. MTC Federal Credit Union current CD rates include its CDs Specials - 8 Month at 4.17% APY, its 60 Month CDs Plus at 4.01% APY and its 12 Month CDs Plus at 3.85% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from MTC Federal Credit Union NCUA insured?

Yes. MTC Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at MTC Federal Credit Union?

The highest MTC Federal Credit Union CD rate is its CDs Specials - 8 Month at 4.17% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does MTC Federal Credit Union offer?

MTC Federal Credit Union CD rates are 4.17% APY for an 8 month CD, 3.85% APY for a 12 month CD, 3.39% APY for an 18 month CD, 3.44% APY for a 2 year CD, 3.85% APY for a 4 year CD and 4.01% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with MTC Federal Credit Union for its full lineup.

What is the highest savings rate at MTC Federal Credit Union?

The highest MTC Federal Credit Union savings rate is its IRA Savings at 1.26% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at MTC Federal Credit Union?

The highest MTC Federal Credit Union money market rate is its Money Market Account Plus at 2.52% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at MTC Federal Credit Union?

The highest MTC Federal Credit Union checking rate is its High-Yield Checking at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at MTC Federal Credit Union?

The lowest MTC Federal Credit Union auto loan rate is its Auto Loan - 24 Months at 4.50% APR, verified by MonitorBankRates as of October 29, 2026. MTC Federal Credit Union auto loan rates are 4.50% APR for a 24 month auto loan, 4.50% APR for a 36 month auto loan, 5.00% APR for a 48 month auto loan, 5.75% APR for a 60 month auto loan, 6.75% APR for a 72 month auto loan and 8.00% APR for an 84 month auto loan.

What is the lowest credit card APR at MTC Federal Credit Union?

The lowest MTC Federal Credit Union credit card APR is its MTC Federal Platinum Mastercard Credit Card at 8.15% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does MTC Federal Credit Union operate?

MTC Federal 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 MTC Federal Credit Union?

Yes, to access services at MTC Federal 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, MTC Federal 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, MTC Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does MTC Federal Credit Union offer online and mobile banking?

Most modern institutions like MTC Federal 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.mtcfederal.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do MTC Federal Credit Union rates compare?

MTC Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. MTC Federal Credit Union's top rates are its CDs Specials - 8 Month at 4.17% APY, its IRA Savings at 1.26% APY, its Money Market Account Plus at 2.52% APY, its High-Yield Checking at 5.00% APY, its Auto Loan - 24 Months at 4.50% APR and its MTC Federal Platinum Mastercard Credit Card at 8.15% APR, verified by MonitorBankRates on October 29, 2026.

Current MTC Federal Credit Union Rates

12-Month CD3.65%
18-Month CD3.39%
24-Month CD3.44%
60-Month CD3.80%
Savings1.26%
MMA2.52%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

MTC Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

MTC Federal Credit Union Texas Ratio

MTC Federal Credit Union Health Trend

MTC Federal Credit Union CD Rates

MTC Federal Credit Union Savings Rates

MTC Federal Credit Union Money Market Rates

MTC Federal Credit Union Checking Rates

MTC Federal Credit Union Auto Loan Rates

MTC Federal Credit Union RV, Boat and Powersport Loan Rates

MTC Federal Credit Union Credit Card Rates

MTC Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

MTC Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About MTC Federal Credit Union

Does MTC Federal Credit Union offer CDs?

Are CDs from MTC Federal Credit Union NCUA insured?

What is the highest CD rate at MTC Federal Credit Union?

What CD terms does MTC Federal Credit Union offer?

What is the highest savings rate at MTC Federal Credit Union?

What is the highest money market rate at MTC Federal Credit Union?

What is the highest checking rate at MTC Federal Credit Union?

What is the lowest auto loan rate at MTC Federal Credit Union?

What is the lowest credit card APR at MTC Federal Credit Union?

How many branches does MTC Federal Credit Union operate?

Is a member application needed to join MTC Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does MTC Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do MTC Federal Credit Union rates compare?

Current MTC Federal Credit Union Rates

Compare to Other Credit Unions