Make every purchase a secure “tap and go” experience
Take advantage of a low introductory rate*, minus the fees, when you access the power of Visa®
Benefits You’ll Love
- Gain access to a special low introductory rate*
- Access rewards redeemable for gift cards and more
- No annual fees, cash advance fees, or balance transfer fees
- The freedom to move money without domestic transfer fees
{beginAccordion h2}
Compare Cards
| Visa Platinum Non-Rewards | Visa Platinum Rewards |
|---|---|
|
Receive our lowest APR + Low introductory rate* |
Receive reward points for every dollar spent
|
Both cards come with:
- Contactless capability allowing you to “Tap & Go”
- Credit limits of $500 and up
- No annual fees
- No balance transfer fees
- No cash advance fees
- No domestic transaction fees
- 24-hour toll-free customer service
- Zero liability for unauthorized use
Must be 18 years or older for an individual account
Current Promo
LOW Intro Rate of 3.90% APR* for 6 months on New MCT Credit Cards!
Rates as low as 12.75% APR following intro period
Exciting Features:
- No Annual Fees
- No Cash Advance Fees
- No Balance Transfer Fees
- “Tap & Go” Contactless capability
Enjoy the convenience and peace of mind that comes with using your MCT Credit Card, backed by our robust security measures and excellent member service.
If you don’t have a Credit Card with MCT:
Apply online at the link below, call us at 409-726-2368, or stop by one of our six branch locations to take advantage of this offer!
*APR = Annual Percentage Rate. MCT CU Credit Cards are a variable rate account. The Introductory APR of 3.90% for purchases, balance transfers and cash advances will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on MCT Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. After the introductory period ends, your standard variable APR of 12.75% to 17.99% will apply, based on your credit worthiness at the time of application approval. This APR will vary with the market based on the Prime Rate and will not exceed 17.99%. Your balance will be calculated using a method called “average daily balance” (including new purchases). MCT Membership is required and includes a minimum deposit of $5. Some exclusions may apply. Please see Credit Union for additional restrictions and details. MCT CU reserves the right to discontinue promotions without notice at any time for any reason.
Card Benefits & Fees
Additional credit card Benefits include:
- Porch Piracy Protection guarding against the theft of eligible items
- Travel & Emergency Assistance Services
- Travel Accident Insurance
- Extended Warranty Protection extends your manufacturer’s warranty up to 1 year
- Roadside Dispatch
- Norton LifeLock provides you with tools to act quickly should your identity be threatened
- Postmates provides you with a complimentary delivery fee credit when you use your MCT Visa credit card
Effective February 1, 2021, your MCT Visa Credit Card will no longer provide Auto Rental Collision Damage Waiver. All other card benefits will remain in place. To download descriptions of your card benefits, please click the link below or call 409-727-1446 to request a copy by mail.
Get Full Benefits Details HERE!
Transaction Fees
Foreign Transaction: 1% of each transaction in U.S. dollars
If Intro APR applies: 3.90% for 6 months* After that, your APR will be 12.75%-17.99%** Variable.
{endAccordion}
Your credit union card is your passport to exhilarating travel opportunities, select merchandise, and more!
Best of all – you choose how to reward yourself!
- Redeem your points for merchandise or gift cards*
- Travel and/or Experience Redemptions
- Cash Redemptions allow a deposit to your MCT Account or apply as a payment to your card
- Shop through the CU Rewards Mall and earn EXTRA points at select stores
Members earn 1 point for every net dollar ($1) spent using their Visa Platinum card. Points are retained for up to 3 years to allow you to save up for special redemptions.
Want to check it out for yourself? You can preview the program at: https://www.curewards.com
To add the rewards option to your MCT credit card, talk to an MCT representative by calling 409-727-1446 or 800-846-1751 or visit your local branch.
NOW AVAILABLE
Our MCT Cards app allows you to:
- Make Payments & View Payment History
- View Balance, Due Date, Minimum Due, and Credit Available
- View Transaction History
- Dispute Transactions
- Set Transaction Alerts and Controls
- Submit Travel Notifications
- Report Card Lost or Stolen
- Turn the Card On/Off
- Manage Multiple MCT Credit Cards in One Place - Including Debit Cards!
A better, more responsive website experience is here!
We're excited to bring you a new credit card website, where you'll enjoy an optimized user experience on any device - desktop, tablet, or mobile device. The updated site includes:
- A new look
- A simplified experience
- Improved navigation
- Better viewing from your mobile or tablet devices
To access the online credit card website, simply choose "Manage Credit Card" in your online banking account.
The new site will match the look, feel, and features of our "MCT Cards" app.
Not using the "MCT Cards" app yet? Download it today in the Apple App Store® or the Google Play StoreTM to enjoy the same convenient account management experience from the palm of your hands.
{{ credit-cards-rate }}
- No annual fees
- No transaction fees
- No balance transfer fees
- Contact our Business Lending department for rate information or to apply for this card type. Any rates listed on this page refer only to our personal credit cards
- Multi-card options available
{beginAccordion}
How can I request a credit line increase?
Contact the Credit Union over the phone, in-branch, or via video chat within Online/Mobile Banking.
I lost my card. What do I do?
Please contact our credit card processor, Velera, at 1(866) 591-2862 to have a new card issued. Velera is available 24 hours a day, 7 days a week. We recommend you go ahead and turn the card “off” within your MCT Cards app as soon as possible. Otherwise, Velera will disable the card when you notify them.
How can I request a balance transfer to my MCT Credit Card?
You can contact the Credit Union to initiate this for you, or you can process this yourself in the following ways:
Login to your Online Banking Account. From there, click on your Credit Card tile, then "Manage Credit Card". Once inside your Online Credit Card Account, you'll click the "Balance Transfer" tile at the right side of the page.
Simply use your MCT Credit Card to “pay off” the balance of your other credit card(s) on their website/payment portal. Note that some credit card vendors may not allow you to use another card to make a payment, in which case you should contact MCT for assistance.
*Introductory APR available only on Non-Rewards cards and is applicable until the first day of the billing cycle includes the six-month anniversary date of the opening of your account. **Your exact rate is based on your creditworthiness. Ask a loan officer about the rate you qualify for. The periodic rate used to compute the FINANCIAL CHARGE for purchases is based on an index (the "Index"), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to the change monthly. The information about the costs of the card described here is accurate as of October 2024. This information may change after that date. To find out what may have changed, call 1-800-846-1751 or write to MCT Credit Union at 2736 Nall Street, Port Neches, TX 77651.
Adding the rewards program to your credit card may change your annual percentage rate (APR).
1APR stands for Annual Percentage Rate.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividend earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Credit Cards
| Card Type | Intro APR For initial 6 months* | APR for Purchases, Balance Transfers, & Cash Advance after intro APR if applicable* |
|---|---|---|
| VISA Platinum | 3.90% | 12.75% - 17.99% |
*Introductory APR applicable until the first day of the billing cycle includes the six-month anniversary date of the opening of your account. Restrictions apply to be eligible to receive the Introductory APR. Your exact rate is based on your creditworthiness. Ask a loan officer about the rate you qualify for. The periodic rate used to compute the FINANCIAL CHARGE for purchases is based on an index (the “Index”), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly.
Kasasa Cash*
| Level 1 Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $5 | 2.48% | 2.51% |
| $15,000+ | $5 | 0.50% | 2.51% to 0.76% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
| Level 2 Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $5 | 5.85% | 6.01% |
| $15,000+ | $5 | 0.50% | 6.01% to 1.22% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
Qualifications
It is so easy to qualify, you are probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
Level 1
- At least 10 debit card purchases
- At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
- Be enrolled in and agree to receive e-Statements
Level 2
- At least 30 debit card purchases
- At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
- Be enrolled in and agree to receive e-Statements
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $5 | 1.99% | 2.01% |
| $50,000+ | $5 | 0.50% | 2.01% to 1.00% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play account during each Monthly Qualification Cycle:
- At least 10 debit card purchases
- At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
- Be enrolled in and agree to receive e-Statements
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Personal Loans
| Loan Type | APR 0-24 months |
APR 25-36 months |
APR 37-48 months |
APR 49-60 months |
APR 61-72 months |
APR 73-120 months |
|---|---|---|---|---|---|---|
| Share (Savings) or CD Secured Loan | 2.00%+* | 2.00%+* | 2.00%+* | 3.00%+* | 3.00%+* | 4.00%+* |
| Signature Loan | 11.75% | 11.75% | 11.75% | 11.75% | N/A | N/A |
| Personal Line of Credit | 11.75% | 11.75% | 11.75% | 11.75% | 11.75 | 11.75% |
Longer-term options may be available. Ask an MCT Member Service Representative for details. APR = Annual Percentage Rate. The rates disclosed are current.
*Rates are 2.00%-4.00% above Savings or CD rate, depending on term.
Share Accounts
| Account | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| Business Checking Account | $5 | 0.05% | 0.05% |
| Member Share Savings Account | $5 | 0.20% | 0.20% |
| Christmas Club Savings Account | $5 | 0.20% | 0.20% |
| Money Market Account | $2,500 | 0.65% | 0.65% |
| IRA Savings | $5 | 0.20% | 0.20% |
Share Certificates
| Certificate Term | Dividend Rate | APY |
|---|---|---|
| Six month | 3.65% | 3.72% |
| One year | 4.25% | 4.34% |
| Two years | 3.10% | 3.15% |
| Three years | 3.15% | 3.20% |
| Four years | 3.15% | 3.20% |
| Five years | 3.25% | 3.56% |
Penalty for early withdrawal.
Sprout Savings
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $500 | $5 | 2.47% | 2.50% |
| $500.01 - $5,000.00 | $5 | 0.99% | 1.00% |
| $5000.01 - $10,000.00 | $5 | 0.75% | 0.75% |
| $10,000.01 or more | $5 | 0.20% | 2.50% to 0.20% |
- Members up to age 22 are eligible for Sprout Savings Account
- No monthly maintenance fees
- No minimum balance to earn rewards
Vehicle Loans
| Loan Type | APR 0-24 months |
APR 25-36 months |
APR 37-48 months |
APR 49-60 months |
APR 61-72 months |
|---|---|---|---|---|---|
| New Auto Loans | 5.25% | 5.25% | 5.25% | 5.50% | 5.99% |
| Used Auto Loans | 5.25% | 5.25% | 5.25% | 5.50% | 5.99% |
| Boat Loans | 6.25% | 6.25% | 6.25% | 6.25% | 6.75% |
| Travel Trailer Loans | 6.25% | 6.25% | 6.25% | 6.25% | 6.75% |
| Other Collateral Loans | 5.99% | 5.99% | 5.99% | 6.25% | 6.50% |
APR = Annual Percentage Rate. Rates disclosed may be different based on credit underwriting and/or elected loan protections. Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. All loan rates are subject to change without prior notice. Maximum interest rate is 17.99%. Loan terms are dependent on amount financed and member/collateral. Membership required. Terms and conditions subject to change.