Credit union · NCUA insured
M.C.T. Federal Credit Union
A $72M credit union headquartered in Amsterdam, NY, with 2,700 members and 1 branch in New York.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About M.C.T. Federal Credit Union
Founded in 1960 and headquartered in Amsterdam, New York, MCT Federal Credit Union is a member-owned financial cooperative.
The credit union serves members in Montgomery, Fulton, Saratoga, and Schoharie counties.
- Headquarters
- 4883 State Highway 30, Amsterdam, NY 12010
- NCUA charter
- 13766
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, worship, or attend school in Montgomery, Fulton, Saratoga, or Schoharie County, New York.
Family and household
- Immediate family members of current MCT members are eligible for membership regardless of where they live.
Cost to join
- A minimum opening deposit for a Share Savings account is required to open membership (amount unstated).
Branches
1 branch in New York
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New York
1 branch
- 4883 State Highway 30Main office4883 State Highway 30, Amsterdam, NY 12010Directions
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 | 14.43% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.41% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.97% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $12 | $59 | — |
- CapitalNet worth ratio14.43%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.41%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.97%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$12Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 M.C.T. Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.