What are the current interest rates at MTC Federal Credit Union?

Current rates for MTC Federal Credit Union include: 12-Month CD: 3.34%, 18-Month CD: 3.24%, 24-Month CD: 3.14%, 60-Month CD: 3.80%, Savings: 0.05%, MMA: 1.00%

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MTC Federal Credit Union

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MTC Federal Credit Union Rates & Review September 2026

Q: How many branches does MTC Federal Credit Union operate?

MTC Federal 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 MTC Federal Credit Union?

Yes, to access services at MTC Federal 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MTC Federal 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: September 4, 2026

MTC Federal Credit Union's 8 Month CD Special rates are at 4.06%, 60 IRA Plus CDs rates are at 4.01%, 60 CDs Plus rates are at 4.01%, 48 IRA Plus CDs rates are at 3.85%, 48 CDs Plus rates are at 3.85%. MTC Federal Credit Union's savings rates are at 0.05%. MTC Federal Credit Union's money market rates are at 1.00%. MTC Federal Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates has no NCUA call report data for MTC Federal Credit Union, so it is not rated. Rates last updated and verified on 09/04/2026.

MTC 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 money market rates and other rates available. Have you opened an account or have any experiences at MTC Federal Credit Union? Share your experience about MTC Federal Credit Union by leaving a review below, or read customer reviews before you decide to use MTC Federal Credit Union.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

MTC Federal Credit Union CD Rates

Product	Rate	APY	Term
8 Month Certificate Special	4.00%	4.06%	8 months
Min Deposit $500 Details Qualifications Required: reoccuring direct deposit present in the last 90 days, minimum of 5 financial transactions excluding dividend accrual in previous 90 day period, and open debit card attached to MTC Federal checking account; minimum total originated balance of $20,000 in active loans with MTC Federal; minimum of $10,000 new money deposited from another financial institution; Qualifying members with (a) reoccuring direct deposit present in the last 90 days, minimum of 5 financial transactions excluding dividend accrual in previous 90 day period, and open debit card attached to MTC Federal checking account or (b) a minimum total originated balance of $20,000 in active loans with MTC Federal or (c) minimum of $10,000 new money deposited from another financial institution. All share certificates are subject to a penalty for early withdrawal. Specials subject to change during the promotional period. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
60 IRA Plus Certificates	3.95%	4.01%	60
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
60 Share Certificates Plus	3.95%	4.01%	60
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
48 IRA Plus Certificates	3.80%	3.85%	48
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
48 Share Certificates Plus	3.80%	3.85%	48
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
8 Month Certificate Special	3.75%	3.80%	8 months
Min Deposit $500 Details Both 8 Month Specials auto renew to 12-month term. All share certificates are subject to a penalty for early withdrawal. Specials subject to change during the promotional period. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Certificates 60 Month	3.75%	3.80%	60 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
60 month Share Certificates	3.75%	3.80%	60 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
36 IRA Plus Certificates	3.70%	3.75%	36
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
36 Share Certificates Plus	3.70%	3.75%	36
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
30 IRA Plus Certificates	3.65%	3.70%	30
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
30 Share Certificates Plus	3.65%	3.70%	30
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Certificates 48 Month	3.60%	3.65%	48 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
48 month Share Certificates	3.60%	3.65%	48 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Certificates 36 Month	3.50%	3.55%	36 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
12 IRA Plus Certificates	3.50%	3.55%	12
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
36 month Share Certificates	3.50%	3.55%	36 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Certificates 30 Month	3.45%	3.49%	30 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
30 month Share Certificates	3.45%	3.49%	30 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
18 IRA Plus Certificates	3.40%	3.44%	18
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
18 Share Certificates Plus	3.40%	3.44%	18
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Certificates 12 Month	3.30%	3.34%	12 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
6 IRA Plus Certificates	3.30%	3.34%	6
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
12 month Share Certificates	3.30%	3.34%	12 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Certificates 18 Month	3.20%	3.24%	18 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
18 month Share Certificates	3.20%	3.24%	18 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Certificates 24 Month	3.10%	3.14%	24 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Certificates 6 Month	3.10%	3.14%	6 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
6 month Share Certificates	3.10%	3.14%	6 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
3 IRA Plus Certificates	2.45%	2.47%	3
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
3 Share Certificates Plus	2.45%	2.47%	3
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Certificates 3 Month	2.25%	2.27%	3 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
3 month Share Certificates	2.25%	2.27%	3 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

MTC Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	1.25%	1.26%
Min Balance $250 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Savings Account	0.40%	0.40%
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Savings Account	0.30%	0.30%
Min Balance $75,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Christmas Club Savings Account	0.20%	0.20%
Min Balance $50,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Custom Savings Account	0.20%	0.20%
Min Balance $50,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Savings Account	0.20%	0.20%
Min Balance $50,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Christmas Club Savings Account	0.10%	0.10%
Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Custom Savings Account	0.10%	0.10%
Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Savings Account	0.10%	0.10%
Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Christmas Club Savings Account	0.05%	0.05%
Min Balance $5 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Custom Savings Account	0.05%	0.05%
Min Balance $5 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Savings Account	0.05%	0.05%
Min Balance $50 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

MTC Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus accounts	2.50%	2.52%
Min Balance $250,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Money Market Plus accounts	2.25%	2.27%
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Money Market Account	1.90%	1.91%
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Money Market Plus accounts	1.80%	1.81%
Min Balance $75,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Money Market Plus accounts	1.55%	1.56%
Min Balance $50,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Money Market Account	1.45%	1.45%
Min Balance $75,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Money Market Plus accounts	1.35%	1.35%
Min Balance $15,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Money Market Account	1.20%	1.20%
Min Balance $50,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Money Market Account	1.00%	1.00%
Min Balance $2,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

MTC Federal Credit Union Checking Rates

Product	Rate	APY
High-Yield Checking	-	5.00%
Min Deposit $0 Details Qualifications Required: 5.00% APY* on balances up to $15,000; 5.00% to 1.09% APY* on balances over $15,000 depending on balance in account - 0.05% APY* if qualifications aren't met; Refunds of ATM withdrawal fees up to $25, nationwide*; Open in minutes Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Dividend Checking	0.30%	0.30%
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
E-Checking	0.30%	0.30%
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Dividend Checking	0.20%	0.20%
Min Balance $75,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
E-Checking	0.20%	0.20%
Min Balance $75,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Dividend Checking	0.15%	0.15%
Min Balance $50,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
E-Checking	0.15%	0.15%
Min Balance $50,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Dividend Checking	0.10%	0.10%
Min Balance $2,500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
E-Checking	0.10%	0.10%
Min Balance $2,500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Dividend Checking	0.05%	0.05%
Min Balance $300 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
E-Checking	0.05%	0.05%
Min Balance $1,500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

MTC Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Vehicles Loan	-	-	4.50%	24 Months
Details Annual Percentage Rate (APR) as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
New or Used Auto Loans	-	-	4.50%	24-84 months
Details Rates As Low As; Annual Percentage Rate (APR) may vary depending on each individual's credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Loan rates are based on applicant's creditworthiness and may vary from those shown above. Rates, terms and conditions are subject to change without notice. All loans subject to approval. Membership eligibility required. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
New & Used Vehicles Loan	-	-	5.00%	48 Months
Details Annual Percentage Rate (APR) as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
New & Used Vehicles Loan	-	-	5.75%	60 Months
Details Annual Percentage Rate (APR) as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
New & Used Vehicles Loan	-	-	6.75%	72 Months
Details Annual Percentage Rate (APR) as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
New & Used Vehicles Loan	-	-	8.00%	84 Months
Details Annual Percentage Rate (APR) as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

MTC Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
MTC FEDERAL PLATINUM MASTERCARD	-	7.90%
Details Introductory rates are good for 12 months on transactions posted within 30 days from the date that your new account is opened. After this introductory period, your new rate will be the standard variable APR. (See cardholder agreement for details.) Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

MTC Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.75%	Up to 60 Months
Details Rates subject to change. Please call for quote. Additional discounts may be available. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Personal Loans	10.45%	Up to 60 Months
Details Rates subject to change. Please call for quote. Additional discounts may be available. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

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

MTC Federal Credit Union’s Texas Ratio rose from 2.20% in Q2 2023 to 4.39% in Q1 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold

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
March 31, 2026	$300M	4.39%	5.0	A+
December 31, 2025	$295M	4.30%	5.0	A+
September 30, 2025	$278M	5.09%	5.0	A+
June 30, 2025	$281M	4.95%	5.0	A+
March 31, 2025	$274M	5.31%	5.0	A+
December 31, 2024	$272M	5.98%	5.0	A+
September 30, 2024	$281M	5.12%	5.0	A+
June 30, 2024	$283M	3.10%	5.0	A+
March 31, 2024	$289M	3.02%	5.0	A+
December 31, 2023	$277M	2.85%	5.0	A+
September 30, 2023	$276M	2.14%	5.0	A+
June 30, 2023	$282M	2.20%	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 MTC Federal 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 MTC Federal 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 MTC Federal Credit Union's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

MTC Federal Credit Union earned the Verified Healthy 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.

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Customer Reviews

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Frequently Asked Questions About MTC Federal Credit Union

How many branches does MTC Federal Credit Union operate?

MTC Federal 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 MTC Federal Credit Union?

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

Does MTC Federal Credit Union offer online and mobile banking?

Most modern institutions like MTC Federal 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.mtcfederal.com.