What are the current interest rates at MCT Credit Union?

Current rates for MCT Credit Union include: Savings: 2.50%, MMA: 0.60%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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MCT Credit Union Rates & Review October 2026

Q: How 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

MCT Credit Union's top rates as of October 10, 2026 are 2.50% APY on savings, 0.60% APY on money market accounts, 0.05% APY on checking, personal loans from 11.75% APR, and credit cards from 11.90% APR, according to rates verified by MonitorBankRates. 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 1.72%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 2026 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

1.72%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

MCT Credit Union
Port Neches Branch

2736 Nall St
Port Neches, TX 77651-5204

https://www.mctcu.org

Privately insuredNot NCUA

Customer Reviews

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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.

MCT Credit Union Savings Rates

Product	Rate	APY
Sprout Savings	2.47%	2.50%
Min Deposit $5 Min Balance $0 Details Balance: 0 - $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Sprout Savings	0.99%	1.00%
Min Deposit $5 Min Balance $500 Details Balance: $500.01 - $5,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Sprout Savings	0.75%	0.75%
Min Deposit $5 Min Balance $5,000 Details Balance: $5000.01 - $10,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Christmas Club Savings Account	0.20%	0.20%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
IRA Savings	0.20%	0.20%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Member Share Savings Account	0.20%	0.20%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

MCT Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account	0.60%	0.60%
Min Deposit $2,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

MCT Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking Account	0.05%	0.05%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

MCT Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	4.25%	0-24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
New Auto Loans	-	-	4.25%	25-36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
New Auto Loans	-	-	4.25%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Used Auto Loans	-	-	4.25%	0-24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Used Auto Loans	-	-	4.25%	25-36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Used Auto Loans	-	-	4.25%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
New Auto Loans	-	-	4.50%	49-60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Used Auto Loans	-	-	4.50%	49-60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
New Auto Loans	-	-	4.99%	61-72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Used Auto Loans	-	-	4.99%	61-72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

MCT Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans	-	5.25%	0-24 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Oct 10, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Boat Loans	-	5.25%	25-36 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Oct 10, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Boat Loans	-	5.25%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Oct 10, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Boat Loans	-	5.25%	49-60 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Oct 10, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Travel Trailer Loans	-	5.25%	0-24 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Oct 10, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Travel Trailer Loans	-	5.25%	25-36 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Oct 10, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Travel Trailer Loans	-	5.25%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Oct 10, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Travel Trailer Loans	-	5.25%	49-60 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Oct 10, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Boat Loans	-	5.50%	61-72 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 5.50% ▼ 0.49 pts · high 5.99% / low 5.50% Oct 10, 20265.50%▼ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Travel Trailer Loans	-	5.50%	61-72 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 5.50% ▼ 0.49 pts · high 5.99% / low 5.50% Oct 10, 20265.50%▼ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

MCT Credit Union Credit Card Rates

Product	Rate	APR
VISA Business	-	11.90%
Details Published APR range: 11.90% - 17.99%. Regular APR: 11.90% - 17.99% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
VISA Platinum	3.90%	12.25%
Details Published APR range: 12.25% - 17.99%. Intro rate expires: 6 months; Regular APR: 12.25% - 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.00% → 12.25% ▲ 0.25 pts · high 12.25% / low 12.00% Oct 10, 202612.25%▲ from 12.00% Sep 14, 202612.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

MCT Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	11.75%	0-24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Personal Line of Credit	11.75%	25-36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Personal Line of Credit	11.75%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Personal Line of Credit	11.75%	49-60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Personal Line of Credit	11.75%	61-72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Signature Loan	11.75%	0-24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Signature Loan	11.75%	25-36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Signature Loan	11.75%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Signature Loan	11.75%	49-60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

MCT Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Other Collateral Loans	-	-	5.00%	0-24 months
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 5.00% ▼ 0.25 pts · high 5.25% / low 5.00% Oct 10, 20265.00%▼ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Other Collateral Loans	-	-	5.00%	25-36 months
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 5.00% ▼ 0.25 pts · high 5.25% / low 5.00% Oct 10, 20265.00%▼ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Other Collateral Loans	-	-	5.00%	37-48 months
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 5.00% ▼ 0.25 pts · high 5.25% / low 5.00% Oct 10, 20265.00%▼ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Other Collateral Loans	-	-	5.25%	49-60 months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Other Collateral Loans	-	-	5.75%	61-72 months
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50% Oct 10, 20265.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
VISA Platinum	-	-	12.25%
Details Intro/promo APR: 3.90%; Intro rate expires: 6 months; Regular APR: 12.25% - 17.99% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.00% → 12.25% ▲ 0.25 pts · high 12.25% / low 12.00% Oct 10, 202612.25%▲ from 12.00% Sep 14, 202612.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Five years	3.25%	-	3.56%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Four years	3.15%	-	3.20%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Kasasa Cash Checking	1.99%	-	2.01%
Min Deposit $5 Min Balance $0 Details Qualifications Required: 1. Must have at least 12 debit card purchases post and settle; 2. Must have at least 1 direct deposit or ACH payment post and settle; 3. Must be enrolled in and agree to receive e-statements; 4. Must be enrolled in online banking and log in at least once during the monthly qualification cycle.; Balance: 0 - $15,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $5 Min Balance $0 Details All balances if qualifications not met Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Kasasa Cash Checking	5.41%	-	5.55%
Min Deposit $5 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $15,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Kasasa Cash Checking	-	-	4.00%
Details Qualifications Required: 10 debit card purchases; 1 ACH debit, 1 direct deposit, or 1 bill pay transaction; enrolled in and agree to receive e-Statements Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Kasasa Saver Savings	1.99%	-	2.01%
Min Deposit $5 Min Balance $0 Details Balance: 0 - $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Kasasa Saver Savings	2.47%	-	2.50%
Min Deposit $5 Min Balance $0 Details Balance: 0 - $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.01% → 2.50% ▲ 0.49 pts · high 2.50% / low 2.01% Oct 10, 20262.50%▲ from 2.01% Sep 18, 20262.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Kasasa Saver Savings	0.99%	-	1.00%
Min Deposit $5 Min Balance $500 Details Balance: $500.01 - $5,000.00 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.01% → 1.00% ▼ 1.01 pts · high 2.01% / low 1.00% Oct 10, 20261.00%▼ from 2.01% Sep 14, 20262.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Kasasa Saver Savings	0.75%	-	0.75%
Min Deposit $5 Min Balance $5,000 Details Balance: $5000.01 - $10,000.00 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.01% → 0.75% ▼ 1.26 pts · high 2.01% / low 0.75% Oct 10, 20260.75%▼ from 2.01% Sep 14, 20262.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
One year	4.00%	-	4.08%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.08% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Six month	3.65%	-	3.72%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.72% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Sprout Spend	0.05%	-	0.05%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Three years	3.15%	-	3.20%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Two years	3.10%	-	3.15%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

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

MCT Credit Union’s Texas Ratio fell from 2.40% in Q3 2023 to 1.72% 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	$415M	1.72%	5.0	A+
March 31, 2026	$411M	1.03%	5.0	A+
December 31, 2025	$395M	3.01%	5.0	A+
September 30, 2025	$383M	2.39%	5.0	A+
June 30, 2025	$386M	2.67%	5.0	A+
March 31, 2025	$377M	2.11%	5.0	A+
December 31, 2024	$359M	2.98%	5.0	A+
September 30, 2024	$363M	3.49%	5.0	A+
June 30, 2024	$361M	2.65%	5.0	A+
March 31, 2024	$358M	2.37%	5.0	A+
December 31, 2023	$356M	3.04%	5.0	A+
September 30, 2023	$361M	2.40%	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 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 80

Part-Time Employees 1

Branch Locations 6

ATM Locations 6

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.72%

Return on Assets (ROA)

0.2427%

Return on Equity (ROE)

2.4045%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

415,206,826

Total Amount of Shares and Deposits

362,970,598

Total Shares and Deposits < 1 Year

357,656,286

Total Shares and Deposits 1 3 Years

3,794,879

Total Shares and Deposits > 3 Years

1,519,433

Total Interest Expense (Sum of items 6 8)

2,095,349

Share Certificates

1,072

Number of Accounts for Share Drafts

16,367

IRA KEOGH Accounts

333

Number of Accounts for Regular Shares

21,120

All other shares

8,547

Money Market Shares

258

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)

35,301,223

Total Liabilities

377,966,781

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

MCT Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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Customer Reviews

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Frequently Asked Questions About MCT Credit Union

How 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

Savings2.50%
MMA0.60%

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

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MCT Credit Union Rates & Review October 2026

Brian McKay

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MCT Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About MCT Credit Union

How many branches does MCT Credit Union operate?

Is a member application needed to join MCT Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does MCT Credit Union offer online and mobile banking?

Current MCT Credit Union Rates

Compare to Other Credit Unions