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.

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. 

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 2023 Annual Meeting Booklet.