If you're eligible for membership, joining MCT Credit Union is easy, and you'll find that you're more than just an account holder here - you're a member-owner! Think about it: MCT Credit Union truly is YOUR Credit Union.


Membership is simple: maintain a share savings account, and as long as you do, you'll always be a member, even if you move halfway around the world.


Remember, your family members may be eligible for membership in MCT Credit Union as well! Check with a Member Services Representative for details.

Our History


In 1953, MCT Credit Union was organized by a small group of employees from the Port Neches and Nederland school districts. That small group of employees wanted their "own" place to borrow and save. Since that time, the credit union has provided that same ownership to several local businesses.


As a member of MCT Credit Union, you're an owner of your financial institution, not just a customer. Credit Unions were established with people like you in mind - people who work for a living, save and borrow.


Whatever you need to help you and your family reach your goals, MCT Credit Union can help.

MCT Community Involvement


Making Commitments Together is our promise to the community as we continue to be involved in all area fundraisers, sponsorships, festivals, and more in the hopes of helping to make a difference in the community where we live and where children are growing up.


Fill-A-Backpack

Fill a Back Pack Project 2013/Girls Haven


Members' Access to Credit Union Documents

According to Section 91.315 of the Texas Administrative Code, MCT Credit Union is required to notify our members that the following documents are available for review or to receive a copy of the most recent version: (1) Balance Sheet and Income Statement, (2) Annual Audit, (3) Articles of Incorporation, Bylaws, Rules, Guidelines, Board Policies and copies thereof, and (4) Internal Revenue Service Form 990. Please make requests by writing to MCT Credit Union, ATTN: Office of the President/CEO, P.O. Box 279, Port Neches, TX 77651 or by phone at (409) 727-1446.