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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 MCT Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
MCT Credit Union's IRA CDs One year rates are at 4.08%, One year CDs rates are at 4.08%, IRA CDs Six month rates are at 3.72%, Six month CDs rates are at 3.72%, Five years CDs rates are at 3.56%. MCT Credit Union's savings rates are at 0.20%. MCT Credit Union's money market rates are at 0.60%. MCT Credit Union's Personal Loan Rates are at 11.75%. 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 2.43%. Rates were last updated on 03/27/2026. 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. 
MCT Credit Union CD Rates
MCT Credit Union Savings Rates
MCT Credit Union Money Market Rates
MCT Credit Union Checking Rates
MCT Credit Union Auto Loan Rates
MCT Credit Union Credit Card Rates
MCT Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
DEBBIE NORRIS
CEO
THAD ANGELLE
Full-Time Employees
80
Part-Time Employees
1
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.43%
Return on Assets (ROA)
0.2638%
Return on Equity (ROE)
2.4862%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
383,424,486
Total Amount of Shares and Deposits
337,076,710
Total Shares and Deposits < 1 Year
331,727,961
Total Shares and Deposits 1 3 Years
3,939,990
Total Shares and Deposits > 3 Years
1,408,759
Total Interest Expense (Sum of items 6 8)
2,966,668
Share Certificates
975
Number of Accounts for Share Drafts
15,960
IRA KEOGH Accounts
352
Number of Accounts for Regular Shares
20,999
All other shares
7,840
Money Market Shares
276
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
17,721,747
Total Liabilities
348,239,127
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About MCT Credit UnionIs MCT Credit Union a safe place to deposit money?Yes, MCT Credit Union is considered a safe financial institution. With a Texas Ratio of 2.43192053281%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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