Credit union · Privately insured
MCT Credit Union
Top CarrotA $411.3M credit union headquartered in Port Neches, TX, with 21,604 members and 6 branches in Texas. Best rates: CDs 4.08% and savings 0.60% APY.
MCT Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#8 of 22 in Beaumont, TX metroHow the score works →
Deposits are privately insured, not by the federal government.
About MCT Credit Union
Founded in 1953 by a small group of employees from the Port Neches and Nederland school districts, MCT Credit Union was established with the people of Southeast Texas in mind.
MCT Credit Union operates as a member-owned cooperative financial institution.
The credit union serves individuals who live, work, or are located across ten Southeast Texas counties.
- Headquarters
- 2736 Nall St, Port Neches, TX 77651-5204
- NCUA charter
- 97089
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or is located in Jefferson County, Orange County, Hardin County, Galveston County, Chambers County, Liberty County, Jasper County, Tyler County, Newton County, or Polk County is eligible for membership.
Family and household
- Family members / relatives (such as spouse, children, parents, grandchildren, or siblings) of a member are eligible for membership.
Cost to join
- Membership requires opening and maintaining a Membership Share Savings Account with a minimum initial deposit of $5.
Branches
6 branches in Texas
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Texas
6 branches
- Port Neches BranchMain office2736 Nall St, Port Neches, TX 77651Directions
- Beaumont Branch3950 Dowlen Rd, Beaumont, TX 77706Directions
- Lumberton Branch94 N Lhs Dr, Lumberton, TX 77657Directions
- Nederland Branch524 N Memorial Fwy, Nederland, TX 77627Directions
- Bridge City Branch4837 Highway 87 S, Orange, TX 77630Directions
- Orange Branch5401 16th St, Orange, TX 77632Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.10% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.29% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.50% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $70 | $76 | — |
- CapitalNet worth ratio10.10%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.29%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.50%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$70Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MCT Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.