Better Together
Everyday banking has its perks.
Bank the way you normally do, and you could earn cash along the way. With our Better Together promotion, qualifying members are automatically entered for chances to win monthly prizes—and one lucky member will take home our $2,500 grand prize*.
What You Can Win
- Three $250 winners every month
- One $2,500 grand prize winner
Promotion runs July 1 – September 30, 2026.
How to Qualify
Each month, simply:
- Maintain an active qualifying MCT consumer checking account.
- Receive at least one qualifying direct deposit of $500 or more.
- Complete 10 qualifying debit card purchase transactions.
Once you've completed all three qualifying activities during the month, you'll automatically be entered into that month's drawing.
Bank Better. Win Together.
Your checking account does more than help manage your money—it can help you earn rewards, too. Make the most of your everyday banking with MCT Credit Union.
*NO PURCHASE NECESSARY TO ENTER OR WIN. Membership eligibility required. Must be 18 years or older to participate. The Better Together Campaign (“Promotion”) is sponsored by MCT Credit Union and runs from July 01, 2026 through September 30, 2026. Eligible members will automatically receive entries during each monthly qualification period by maintaining an active qualifying consumer checking account with MCT Credit Union and completing all of the following qualifying activities during each calendar month: (1) receipt of at least one qualifying direct deposit of at least $500, and (2) completion of at least ten (10) qualifying debit card purchase transactions. Qualifying debit card transactions include signature and PIN-based purchase transactions and exclude ATM withdrawals, transfers, returns, adjustments, and other non-purchase transactions. Three (3) monthly winners will each receive a $250 prize during each monthly drawing period. One (1) grand prize winner will receive a $2,500 prize at the conclusion of the campaign. Grand prize winner must maintain an active qualifying checking account and meet all of the qualifying activities during each calendar month of the campaign period. Total prize value: $4,750. Odds of winning depend on the number of eligible entries received. Winners will be selected by random drawing on the third business day following the end of the calendar month. The grand prize winner will be selected by random drawing on the fifth business day following the campaign period end. A 1099-INT may be issued. Prize winnings may be reported to the IRS where required by law and are the sole responsibility of the recipient for tax purposes. Employees and officials of MCT Credit Union are ineligible to participate. Void where prohibited by law. MCT Credit Union reserves the right to modify, suspend, or terminate the Promotion at any time without prior notice. See Credit Union for full details and restrictions.
Membership
Unlock the Power of Membership:
Anyone who lives, works, or is located in Jefferson County, Orange County, Hardin County, Galveston County, Chambers County, Liberty County, Jasper County, Tyler County, Newton County or Polk County is eligible to bank with MCT Credit Union.
Your family members may also be eligible for membership with MCT Credit Union! Check with a Member Services Representative for details.
What Membership Means
A credit union is a cooperative financial institution that offers the same products, services, and conveniences that you would get at a bank, but with your best interests in mind. When you bank with MCT Credit Union, you are a member and a co-owner of the financial institution. Instead of giving profits to shareholders as a bank would, we return ours to our members in the form of better rates and fewer fees.
How to Join
If you are eligible for membership, joining MCT Credit Union is easy: just open and maintain a Membership Share Savings Account. Once you become a member, you can stay a member forever — even if you move halfway around the world!
Refer a friend, Get $10!**
We believe great things are meant to be shared. That's why we're excited to share our Referral Program, designed exclusively for valued members like you. It’s our way of saying “Thanks” for spreading a good word about MCT!
It’s simple: Refer a friend to join MCT Credit Union and receive $10** if they become a new member. Here’s how it works:
- Share your love for MCT Credit Union with a friend or adult family member.
- When they join and open an account, make sure they mention your name.
- Once their account is opened, you will receive $10 deposited to your account within 30 days, as a token of our appreciation!
There’s no limit to how many friends you can refer! The more you refer, the more you earn. Start sharing today, because great things are better when they’re shared!
**$10 referral bonus awarded to referring member. To qualify for the $10 referral bonus, the member being referred must provide the full name of the referring member at the time of membership application whether online, over the phone or in-person. One referral name per referred account allowed. Referral names will not be accepted after the account has been opened. Promotion excludes members who cannot make banking decisions for themselves such as Representative Payee accounts, Minor accounts, Custodial, and other special accounts. Existing members opening additional memberships, such as a Business account, cannot list themselves as the referring member. Employees and Board Members of MCT Credit Union are not eligible for this program. Membership eligibility is required and includes an initial deposit of $5. If the referred account is not approved, no bonus will be paid. Referral bonuses will be deposited to members’ primary share within 30 days after the referred account was opened. Members and accounts must be in good standing at the time the bonus is to be paid in order to receive referral bonuses. Bonuses will not be paid on closed accounts. No limit on how many referral bonuses a member can receive in a calendar year. A 1099-INT may be issued. This offer is non-transferable. MCT Credit Union reserves the right to change or cancel this program at any time with or without advance notice. MCT Credit Union’s determination of eligibility for referral bonuses is final. Please see Credit Union for additional terms and restrictions.
Online Application Process
- You must be 18 years or older to open an account online
- As part of this application process, your credit will be pulled to assist us in verifying who you are and to identify potential cross-sell opportunities that will benefit you
- Select Join Today below to begin your online application process
To learn more, please call us at 409-727-1446 or 800-846-1751 or visit a branch.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What does this mean for you?
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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What is the difference between a credit union and a bank?
A credit union is a cooperative financial institution that offers the same products, services, and conveniences that you would get at a bank, but with your best interests in mind. When you bank with MCT Credit Union, you are a member and a co-owner of the financial institution with one voting right. Instead of giving profits to shareholders as a bank would, we return ours to our members in the form of better rates and fewer fees. Every credit union is governed by a board of directors, elected by and from the credit union's own membership. Board members serve voluntarily and receive no compensation. Credit unions invest in their communities in the form of sponsorships, volunteering, and donations. Credit unions also prioritize financial education and providing resources, content, and materials to prepare consumers to tackle their finances confidently.
How do I qualify for membership with MCT?
Anyone who lives, works, or is located in Jefferson County, Orange County, Hardin County, Galveston County, Liberty County, Chambers County, Tyler County, Jasper County, or Newton County is eligible to bank with MCT Credit Union. You may also be eligible if your family member is a current member.
Why do I have to qualify for membership?
Unlike banks that are open to anyone, laws require credit unions like MCT to have a defined field of membership. In our case, our membership is defined by where you live, work, or are located.
Can my family members qualify for membership once I do?
Yes, relatives (such as spouse, children, parents, grandchildren or siblings) can qualify for MCT membership through you.
What documentation do I need to become a new member?
In addition to providing your personal information such as name, date of birth, address, and social security number, you will be asked to provide identification such as a state driver’s license or US passport. If you are unsure whether your form of identification is accepted, please contact us at 409-727-1446.
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