☰

Home›
Credit Unions›
MTCU Credit Union

iAdvertiser Disclosure

MTCU Credit Union Rates & Review August 2026

Q: How many branches does MTCU Credit Union operate?

MTCU 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.

Q: Is a member application needed to join MTCU Credit Union?

Yes, to access services at MTCU 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.

Q: Is there a first-time homebuyer program?

Currently, MTCU 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MTCU Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

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

MTCU Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not MTCU Credit Union, and you can see how they compare in the MTCU Credit Union rate tables below. MonitorBankRates evaluates the financial stability of MTCU Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.03%. Database rates last updated and verified on 08/29/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.03%

Excellent Lower than avg

MTCU Credit Union
MTCU

1505 N Midland Dr
Midland, TX 79703

https://mtcu.org

Current Rate Availability

We're not currently displaying rates for MTCU Credit Union, but our database is updated constantly — check back soon for the latest offers.

Are you with MTCU Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name MTCU Credit Union

Website https://mtcu.org

Address 1505 N Midland Dr, Midland, TX 79703

Phone 432-688-7300

Fax 432-520-4850

President Betty Merritt

CEO Justin Marler

Full-Time Employees 32

Part-Time Employees 1

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.03%

Return on Assets (ROA)

0.1105%

Return on Equity (ROE)

0.8879%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

134,983,238

Total Amount of Shares and Deposits

120,279,753

Total Shares and Deposits < 1 Year

118,080,398

Total Shares and Deposits 1 3 Years

1,443,404

Total Shares and Deposits > 3 Years

755,951

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

6,582,372

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

6,582,372

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

113,697,381

Total Interest Expense (Sum of items 6 8)

653,440

Share Certificates

367

Number of Accounts for Share Drafts

4,727

IRA KEOGH Accounts

240

Number of Accounts for Regular Shares

8,374

Money Market Shares

263

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)

6,153,613

Total Liabilities

120,832,190

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

MTCU Credit Union earned the Verified Strong 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/mtcu-credit-union-rates-review-67642">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-b-2026.svg"
       alt="MonitorBankRates Verified Strong Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for MTCU 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for MTCU Credit Union

Frequently Asked Questions About MTCU Credit Union

How many branches does MTCU Credit Union operate?

MTCU 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 MTCU Credit Union?

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

Does MTCU Credit Union offer online and mobile banking?

Most modern institutions like MTCU 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://mtcu.org.