Credit union · Privately insured
MCT Credit Union CD Rates
Top CarrotMCT Credit Union’s best CD rate is 4.08% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How MCT Credit Union’s CD rates compare
Compared with banks and credit unions near Beaumont, TX, where MCT Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MCT Credit Union
4.08%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $408
Share Certificates
Top rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
2nd-highest rate
Rave Financial
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
MCT Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.72%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.56%
- QualifiedQualified4.08%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where MCT Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.08%APY · 6 terms
Early withdrawals subject to a penalty. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.72% | $184 |
| 12 months | 4.08% | $408 |
| 24 months | 3.15% | $640 |
| 36 months | 3.20% | $991 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.56% | $1,911 |
Sources (2)
- mctcu.org/personal/personal-sa…/share-certificates.html
- mctcu.org/services-and-resources/resources/rates.html
All captured Oct 6, 2026
Who can join MCT Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.