Endless Adventures Await, with a Loan from MCT
Whether it’s a new car, RV, boat, or motorcycle, get pre-approved and hit the road (or water) with fast, local financing you can count on.
Benefits You’ll Love
- Competitive Rates & Flexible Terms
- Refinancing Options
- Personalized Service
Spook-tacular Auto Loan Savings
No tricks—just treats this October at MCT Credit Union!
For a limited time, enjoy frighteningly low rates on auto loans (2018 or newer) with these spooky-good discounts:
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0.25% rate discount* when you set up automatic transfer payments
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0.50% rate discount* when you have or open an MCT Credit Card
That’s up to 0.75% APR* in savings!
But beware… this haunting deal vanishes October 31st. Don’t miss your chance to save big and drive happy.
Auto Loan Features:
- No Payments for 90 Days – Buy now, pay later**
- Low Rates & Flexible Terms
- Pre-Approval Advantage – Negotiate at the dealership with confidence
- Refinance & Save – Lower your monthly payment or interest rate
- Personalized Service – Friendly, expert support from start to finish
How to Apply:
- Apply Online – Quick and secure
- Call Us – Speak with a loan specialist at 409.727.1446
- Visit a Branch – Stop by one of our six locations
- Explore the open road with financing up to 15 years* on:
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- RVs, Motorhomes, and Campers
- Travel Trailers & Fifth Wheels
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- Flexible Loan Terms – Affordable monthly payments that fit your budget
- Pre-Approval Power – Shop with confidence and negotiate better deals
- Refinance & Save – Lower your rate on an existing recreational loan
- Financing available for ATVs, Golf Carts, Lawnmowers, Tractors, Cargo Trailers & More at a different rate than loans mentioned above
- Contact the Credit Union to learn more
- Financing Up to 15 Years*** – Get the boat of your dreams with affordable monthly payments
- Flexible Terms – Loan options tailored to fit your budget
- Pre-Approval Advantage – Secure financing for better bargaining power
- Refinance & Save – Lower your current boat loan rate and payment
- Exceptional Support – Friendly, knowledgeable lenders from application to closing.
Jet Ski & Personal Watercraft Loans
- Looking to finance a jet ski? Financing is available at a different rate than boats—contact us to learn more!
- Budget-friendly terms to fit your needs
- Get pre-approved for better bargaining power
- Refinance to lower your current rate
- Friendly service from application to payoff
Find motorcycle loan rates under "Other Collateral Loans" on our rate tables
Take off on two-wheels with a motorcycle loan from MCT.
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Why should I get pre-approved for an auto loan?
A pre-approval shows you have funding secured and can give you extra bargaining power at the dealership. Getting pre-approved with a lender rather than financing at the dealership also helps you avoid the added credit hits from a dealership sending your information out to multiple lenders, meaning your credit is less affected.
How do I pay my loans?
You can call, pay online via online/mobile banking, pay online via another financial institution, or visit us in-branch.
Do I need to be a member before I can apply for a loan?
To receive a loan from MCT, you must be a member. If you are not currently a member, MCT would ensure you are eligible to be a member first, then process your loan application. If your loan application is denied, you do not have to move forward with opening your membership.
What documents do I need to submit a loan application?
You’ll need to know how much you want to borrow, plus the following for all loan applicants:
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- Current employment information
- Income before taxes
- Housing information
- Collateral information, if known (such as year, make, model, etc)
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Does MCT offer home loans?
Yes, please refer to our Home Loan overview (hyperlink) https://www.mctcu.org/loans-and-credit/home-loans to see the types of loans offered.
*APR = Annual Percentage Rate. Promotional discount of up to 0.75% APR applies to New & Used auto loans (model year 2018 or newer) funded 10/01/2025-10/31/2025. Discount includes 0.25% for automatic transfer payments and 0.50% for members with an active MCT Credit Card. Rates, terms, and conditions are subject to credit approval and may vary based on creditworthiness, proof of income, and review of collateral. Existing MCT Credit Union loans do not qualify for refinance under this offer. Membership required and includes initial deposit of $5. Maximum rate discount of 0.75% allowed if combined with other discounts. Rates are subject to change without notice. Please see Credit Union for additional details and restrictions.
**90-Day No-Payment promotion is for new or used auto loans or the refinancing of consumer vehicle loans only. Offer excludes all loans already financed with MCT Credit Union and vehicles enrolled in the FlexAuto Program. Interest will continue to accrue during 90-Day No-Payment period. Additional terms and conditions apply. Please see Credit Union for additional details.
***Term based on financed amount. Loans are subject to approval based on credit history, income, and collateral. Rates are subject to change without notice. Restrictions apply. Please see Credit Union for additional details.
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% | 12.50% - 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% |
| Sprout Spend | $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 | 5.00% | 5.00% | 5.00% | 5.25% | 5.75% |
| Used Auto Loans | 5.00% | 5.00% | 5.00% | 5.25% | 5.75% |
| 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.