MTCU Credit Union Rates and Review January 2026
Compare MTCU 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 MTCU 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 AvailabilityMTCU 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 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. Overall, MTCU 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 ComparisonSecurity Service Power Travel Rewards World MasterCard
16.250% - 17.250%
Visa Platinum Preferred
14.240% - 17.990%
CLASSIC REWARDS VISA
18.000%
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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
13.700%
$2,500 - $5,000
36 - 36
Personal Line of Credit
9.000%
$0
60
Personal Line of Credit
13.040%
$0
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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 MTCU Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: MTCU Credit Union
Website: https://mtcu.org
Full Time Employees: 32Part Time Employees: 1 President: Betty Merritt CEO: Justin Marler Branch Locations: 3 ATM Locations: 3 Corporate Office Address:
1505 N Midland Dr
Midland, TX 79703 Phone Number: 432-688-7300 Fax Number: 432-520-4850 FinancialsTotal 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
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
6,153,613
Total Liabilities:
120,832,190
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About MTCU Credit UnionIs a member application needed to join MTCU Credit Union?Yes, to access services at MTCU Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, MTCU Credit Union provides a range of mortgage and home equity products. Is MTCU Credit Union a safe place to deposit money?Yes, MTCU Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does MTCU Credit Union offer online and mobile banking?Most modern institutions like MTCU Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.60%, 6-month CD rates at 3.70% and 3-month CD rates at 3.29%. Savings rates are at 0.05% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.27%. Credit Card rates are at 15.40%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates which you can compare to 
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