Website FAQ

Why is one of the links not working?

Portions of this site link our users to third parties. MCT Credit Union is in no way responsible or liable for content found on third party websites. Occasionally, a third party website may change the web address of a specific page to which we provide a link. Please notify us of the problem by clicking the Feedback link at the top of any page in our website.

What happens when I follow a link to a "third-party" website?

MCT Credit Union links users of www.mctcu.org to other Internet addresses/websites (“third-party” addresses/websites). By following a third-party link provided on this website, you are leaving the MCT Credit Union website and visiting a website not operated by MCT Credit Union. MCT Credit Union is not responsible for the content of any third-party website, and MCT Credit Union’s security policies and privacy policies may differ from those practiced by a third party.

How do I perform a search on the MCT Credit Union website?

Type a search term (a single word or combination of words) in the search box at the top of any page in the MCT Credit Union website to search our entire website for that term.

I saw a vehicle for sale on the site, but it's no longer there. Where do I find the item?

Click the "More" link on the top of the frontpage box to look through the  listings of current auction items. If the auction has ended for the particular item, it is no longer visible to the public. When an auction has ended and there are no more items for auction, the “On The Auction Block” section disappears from every page until MCT Credit Union has more items to auction. 

How do I use the loan calculators on this site?

To use the Loan Calculators found on this website, you need to know three things so that you can figure the estimated monthly payment and estimated amortization schedule (a chart showing how a loan's balance decreases with each payment) on a loan. 

1. Enter the principal balance of the loan. If it’s $100,000, then enter “100000”.
2. Enter the Interest Rate or APR. If it’s 7.5%, enter “7.5%”.
3. Enter the term either in years or in months. For example, if it’s 30 years and the calculator asks for input in years enter “30”.
   

After you have entered all three items, press the Calculate button to view the estimated payment and estimated amortization schedule.

Is there a limit to the number of electronic transfers I am allowed to have on my account per month?

Yes. During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order of instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. The following list of transactions in each occurrence would count as a Regulation D transaction: A transfer request from Share to Draft, Overdraft transfers and ACH debits from Share (savings) such as tanning, fitness, insurance premiums, etc.

How old do I have to be to open a checking account at MCT Credit Union?

MCT has a teen checking account that requires you to be 16 years of age and also offers the first box of checks free.