M C T Federal Credit Union Rates and Review January 2026
Compare M C T Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of M C T Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityM C T 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 CD rates or other rates available. Have you opened an account or have any experiences at M C T Federal Credit Union? Share your experience about M C T Federal Credit Union by leaving a review below, or read customer reviews before you decide to use M C T Federal Credit Union. Overall, M C T Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonAcademic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
Cash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
Visa or MasterCard
9.990%
Credit Line $500-$7,000
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loans
11.000%
$0
37 - 60
Personal Loans
13.490%
$0 - $5,000
48 - 48
Personal Loan
11.240% - 17.950%
$0
25 - 36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have M C T Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: M C T Federal Credit Union
Full Time Employees: 7Part Time Employees: 2 President: STUART PALCZAK CEO: PATTY MACEK Branch Locations: 1 ATM Locations: 0 Corporate Office Address:
4883 State Highway 30
AMSTERDAM, NY 12010 Phone Number: 518-842-1840 Fax Number: 518-842-3955 FinancialsTotal Assets:
69,410,481
Total Amount of Shares and Deposits:
59,122,694
Total Shares and Deposits < 1 Year:
58,062,968
Total Shares and Deposits 1 3 Years:
1,059,726
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,648,363
Total Uninsured Shares and Deposits > $250K (F+J):
1,648,363
Total Insured Shares and Deposits > $250K (item 17 less item K):
57,474,331
Total Interest Expense (Sum of items 6 8):
159,531
Share Certificates:
136
Number of Accounts for Share Drafts:
1,577
Number of Accounts for Regular Shares:
3,587
Net Income (unless the amount is already included in Undivided Earnings):
1,099,666
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
12,252,523
Total Liabilities:
59,187,338
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About M C T Federal Credit UnionIs a member application needed to join M C T Federal Credit Union?Yes, to access services at M C T Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, M C T Federal Credit Union provides a range of mortgage and home equity products. Is M C T Federal Credit Union a safe place to deposit money?Yes, M C T Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does M C T Federal Credit Union offer online and mobile banking?Most modern institutions like M C T Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.26%, 6-month CD rates at 3.00% and 3-month CD rates at 0.50%. Savings rates are at 0.10% and money market rates are at 0.65%. Mortgage rates on 30-year fixed loans are around 5.84%. Credit Card rates are at 29.99%. Personal Loan rates are at 7.99%. All these rates, and more, can be found in our database of rates which you can compare to 
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