Credit union · NCUA insured
Members Trust Federal Credit Union
Top CarrotA $267.5M credit union headquartered in Houston, TX, with 8,871 members and 2 branches in Texas. Best rates: CDs 4.59% and savings 0.65% APY.
Members Trust Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#27 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Trust Federal Credit Union
Chartered in 1936 as Houston Milk Producers Federal Credit Union, Members Trust of the Southwest Federal Credit Union adopted its current name in 2000 and operates branches in Houston and Stephenville, Texas.
The member-owned not-for-profit cooperative originally formed to serve dairy farmers in Harris County, Texas.
- Headquarters
- 2315 Mangum Rd, Houston, TX 77092
- NCUA charter
- 1584
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Open to anyone who works, lives, worships, or attends school in Erath County, Texas.
- Open to anyone who works, lives, worships, or attends school in Houston’s Underserved area.
- Open to anyone who works, lives, worships, or attends school in Oklahoma zip codes 73102, 73106, 73107, 73108, 73109, 73119, 73129, 73139, 73149, and 73159.
Employers and groups
- Open to employees and family members of employees of listed Select Employee Groups (SEGs).
- Open to existing members of, or anyone who agrees to join, the Tomball Memorial FFA Booster Club.
Family and household
- Open to individuals related to an existing MTFCU member by blood, marriage, adoption, or who share a household with an existing MTFCU member.
Cost to join
- Requires a $5.00 deposit into a Share Account held for the duration of membership.
Branches
2 branches in Texas
Loading map…
Texas
2 branches
Houston area · 1
- HoustonMain office2315 Mangum Rd, Houston, TX 77092Directions
Stephenville area · 1
- Stephenville2311 Robert J Glasgow Loop, Stephenville, TX 76401Directions
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 | 8.52% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.09% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.34% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio8.52%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.09%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.34%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ 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 Members Trust 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.