Membership
Unlock the Power of Membership:
Become a New Member at our Beaumont Location in July and receive a Ring Doorbell*!
*New membership must be opened at Beaumont branch 07/01/2024-07/31/2024 to receive free Ring Doorbell. Must qualify for membership and make initial deposit of $5 at account opening. Limit 1 (one) Ring Doorbell per member. Must be 18 years or older. MCT employees are not eligible. While supplies last. Subject to change without notice. See Credit Union for additional restrictions and details
Anyone who lives, works, or is located in Jefferson County, Orange County, or Hardin 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!
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.
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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, or Hardin 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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