Credit union · NCUA insured
MTC Federal Credit Union
A $299.9M credit union headquartered in Greenville, SC, with 15,990 members and 9 branches in 3 states. Best rates: CDs 4.01% and savings 1.00% APY.
MTC Federal Credit Union Carrot Score
84
Carrot Score
Higher than 68% of U.S. banks and credit unions
#15 of 33 in Greenville, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MTC Federal Credit Union
Founded in 1976, MTC Federal Credit Union is a member-owned, non-profit financial cooperative.
The credit union operates branch locations across South Carolina, Alabama, and Oklahoma.
- Headquarters
- 201 Brookfield Pkwy, Ste 100 East, Greenville, SC 29607-5744
- NCUA charter
- 22520
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Residents in specific geographic regions, including Carter County, Oklahoma, and parts of Greenville, Anderson, and Pickens counties in South Carolina, are eligible to join.
Employers and groups
- Eligible inpatriates, expatriates, and international employees working in the United States for one of MTC Federal's current business partners are eligible for membership.
- Employees and contractors of MTC Federal preferred employee groups (PEGs) are eligible for membership.
Family and household
- Immediate family members (including spouses, children, parents, grandparents, grandchildren, and siblings) and household members of living or deceased credit union members are eligible to join.
Other ways
- Anyone outside the geographic eligibility areas can become eligible by joining Friends of the Foundation through the Carolinas Credit Union Foundation.
Cost to join
- Membership is established by opening a Share Savings account with a $50 initial deposit.
Branches
9 branches in 3 states
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South Carolina
7 branches
Greenville area · 5
- BrookfieldMain office201 Brookfield Pkwy, Ste 100 East, Greenville, SC 29607Directions
- Pelham Rd2A The Pkwy, Greenville, SC 29615Directions
- Us0517C Michelin Rd, Greenville, SC 29605Directions
- Woodruff Road2000 Woodruff Rd, Greenville, SC 29607Directions
- Us26301 Highway 76, Sandy Springs, SC 29677Directions
Columbia area · 1
- Us52420 Two Notch Rd, Lexington, SC 29072Directions
Spartanburg area · 1
- Us31785 New Cut Rd, 1000 International Dr, Spartanburg, SC 29303Directions
Alabama
1 branch
- Us43792 Mance Newton Rd Ste 2, Midland City, AL 36350Directions
Oklahoma
1 branch
- Ard22001 12th Ave NW, Ardmore, OK 73401Directions
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 | 12.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.90% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.13% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio12.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.90%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.13%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ 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 MTC 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.