Credit union · Privately insured
MCT Credit Union Savings Rates
Top CarrotMCT Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How MCT Credit Union’s savings 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
2.01%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $201
Kasasa Saver
Top rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
5Point Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
MCT Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.60%
- QualifiedQualified2.01%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Kasasa Saver
Up to 2.01%APY
Requires a linked Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play checking account. Limit 1 account per SSN. Qualifying for linked Kasasa checking rewards qualifies for highest Kasasa Saver rate. Monthly qualification cycle requires at least 10 debit card purchases (30 for Kasasa Cash Level 2), at least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction, and enrollment in e-Statements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000When qualifications in linked Kasasa checking account are met during Monthly Qualification Cycle. | 2.01% | $201 | When qualifications in linked Kasasa checking account are met during Monthly Qualification Cycle. |
| Any balanceApplies to all balances if qualifications in linked Kasasa checking account are not met during Monthly Qualification Cycle. | 0.05% | $5 | Applies to all balances if qualifications in linked Kasasa checking account are not met during Monthly Qualification Cycle. |
| $50,000 and upEarns 0.50% dividend rate on portion of balance over $50,000, resulting in a range from 2.01% to 1.00% APY depending on account balance, when qualifications in linked Kasasa checking account are met. | 0.50% | — | Earns 0.50% dividend rate on portion of balance over $50,000, resulting in a range from 2.01% to 1.00% APY depending on account balance, when qualifications in linked Kasasa checking account are met. |
Sources (2)
- mctcu.org/loans-and-credit/hom…e-improvement-loans.html
- mctcu.org/personal/personal-sa…s/free-kasasa-saver.html
All captured Sep 17, 2026
Money Market Account
0.60%APY
Must maintain a minimum balance of $2,500 to earn dividends. Includes 6 free withdrawals each month. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upCompetitive dividends on balances of $2,500 or more. Must maintain a minimum balance of $2,500 to earn dividends.$2,500 and up | 0.60% | $60 | Competitive dividends on balances of $2,500 or more. Must maintain a minimum balance of $2,500 to earn dividends. |
Member Share Savings Account
0.20%APY
Establishes MCT CU membership and represents one ownership share in the Credit Union. Dividends are compounded and paid monthly based on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (3)
- mctcu.org/personal/personal-savings
- mctcu.org/personal/personal-sa…are-savings-account.html
- mctcu.org/loans-and-credit/credit-cards.html
All captured Sep 17, 2026
Special-purpose accounts
Sprout Savings
0.75%APY
Eligible for members up to age 22. Minors under 18 require an adult 18+ to be joint on membership. Account is closed when primary member reaches age 23 and funds are transferred to primary membership share. Limit 1 account per SSN.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500 | 2.50% | — | |
| $500 – $5,000 | 1.00% | — | |
| $5,000 – $10,000 | 0.75% | $75 | |
| Over $10,000APY ranges from 2.50% to 0.20% (or 2.50% to 0.50% APY based on an Average Daily Balance of $25,000.00) depending on balance. | 0.20% | — | APY ranges from 2.50% to 0.20% (or 2.50% to 0.50% APY based on an Average Daily Balance of $25,000.00) depending on balance. |
Sources (2)
All captured Sep 17, 2026
Christmas Club Savings Account
0.20%APY
Set aside year-round for holiday expenses. The balance will be deposited in your pre-selected account on November 1st. Multiple accounts permitted.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (3)
- mctcu.org/personal/personal-savings
- mctcu.org/personal/personal-sa…istmas-club-savings.html
- mctcu.org/loans-and-credit/credit-cards.html
All captured Sep 17, 2026
IRA Savings
0.20%APY
Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees. Funds can be used to purchase CDs within IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (3)
- mctcu.org/personal/personal-savings
- mctcu.org/personal/personal-sa…ement-accounts-iras.html
- mctcu.org/loans-and-credit/credit-cards.html
All captured Sep 17, 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.