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We’re here to help our members and their families with whatever life brings their way! “Never Stop Growing” is more than just a saying for us. It’s our commitment to help you reach your goals by providing you the best possible financial products, services, and support.

MCT Credit Union was organized in 1953 by a small group of employees from the Port Neches and Nederland school districts. We were established with people like you in mind: people who work for a living and need a place to save and borrow that puts their best interests first. As we’ve grown and expanded our field of membership, we’ve stayed true to the credit union philosophy of people helping people. Our branches are strong and our local roots are deep.

As a member of MCT Credit Union, you’re an owner of your financial institution – not just a customer.

By members’ choice, MCT Credit Union is not federally insured. All accounts at MCT Credit Union are protected up to $250,000 each by American Share Insurance – regardless of the number of accounts each individual member has. This unique level is available due to our affiliation with American Share Insurance (ASI), the nation’s largest private deposit insurer. ASI has protected credit union members since 1974 and is recognized for both the quality of the institutions it insures and its performance. Not all credit unions qualify for this expanded coverage, and we are proud to meet their standards and underwriting requirements.

For more details about your deposit insurance protection, please contact us or go to for more information.