Never stop growing.

We pride ourselves on giving Southeast Texas a friendly, local credit union that always has our members best interests at the forefront of our decision-making. We work with our communities by providing support and guidance to those applying for an auto or home mortgage loan, saving for retirement, opening a new account, growing their business, and so much more. “Never Stop Growing” is more than just a saying for us. It is our commitment to helping you reach your goals by providing you with some of the best financial products, services, and support.

In 1953, a small group of employees from the Port Neches and Nederland school districts planted our roots with the people of Southeast Texas in mind. Built for our hard-working community members who seek a local credit union who will always put their interests and goals at the forefront. As we continue to grow, we remain true to the credit union philosophy of people helping people. At MCT our branches are strong and our local roots run deep.

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

All accounts at MCT Credit Union are protected up to $1,000,000 each through a combination of primary insurance from American Share Insurance (ASI) and $750,000 of excess share insurance from Excess Share Insurance Corporation (ESI) — regardless of the number of accounts each individual member has. ASI is a credit union-owned private deposit insurer founded in 1974 by credit unions, for credit unions.  ESI is a wholly owned subsidiary of American Share Insurance. Not all credit unions qualify for this expanded coverage, and we are proud to meet their standards and underwriting requirements. By members’ choice, this institution is not federally insured, and members' accounts are not insured or guaranteed by any government or government-sponsored agency.

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

Annual Meeting Reports

As a member-owned financial institution, MCT Credit Union’s members have a voice and a vote. We encourage all of our members to embrace their role as co-owners of the credit union and get involved! 

Each year, we hold a meeting to discuss the credit union’s performance. All members are invited to attend. To learn more, please call us at 409-727-1446 or visit a branch

Download the 2024 Annual Meeting Booklet.