Extreme Checking

Why is the MCT Credit Union Extreme Checking our most popular service? Because it's a FREE high interest checking account that pays an amazing 4.01% APY* with no minimum balance requirement, and no service charges.

We even refund fees when you use an ATM...not just in Port Neches, Nederland, or anywhere in Southeast Texas, but nationwide!

You'll also enjoy overdraft protection, ATM access, and much more!

• 4.01% APY* on balances up to $25,000
• 0.50% APY* on balances over $25,000
• ATM fee refunds up to $25 per statement cycle
• If monthly qualifications aren't met, you still earn .13% APY*
• No service charges
• No minimum balance requirement
• Interest paid monthly
• Overdraft protection
• Direct deposit and payroll deduction available
• Pre-authorized drafting available
• Access with the MCT Debit Card or ATM Card

*APY = Annual Percentage Yield. Rewards rate and ATM fee refunds awarded only if qualifications are met. See "More Information" tab above for more details.

**See Disclosure Opt-In form for definition of qualification cycle.

To qualify for Extreme Checking rates, perform the following everyday activities each month:

• Make 10 check card merchant transactions per qualification cycle**
• One Direct Deposit or ACH Auto Debit or one Bill-Pay
• Sign up for FREE Electronic Statements (E-Statements)

This checking is for consumer accounts only and only 1 account per member.

** See Disclosure- Opt-in Form for definition of qualification cycle.

*4.01% Annual Percentage Yield(APY) paid on balances between one penny and $25,000, and .75% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. If you do not meet the qualifications during a given cycle, you will earn the standard rate of .25% APY. Rates as of April 1,2009. We may change the interest rate and APY at any time after the account is opened.