Get real-time account access —
24/7, 365, from anywhere you are
Convenience means bringing the branch to your couch and paying bills from bed with access to handy budgeting tools.
Benefits You’ll Love
- View, manage, or transfer funds securely online
- Schedule one-time or recurring bill pay
- Avoid paper clutter with convenient eStatements
- Manage cash more effectively using our budgeting tool
- Free, secure, and easy-to-use service for MCT CU members
- Manage several banking activities anytime, anywhere with internet access:
- Access eStatements
- Review account balances and history
- Transfer funds between accounts
- Make loan or credit card payments
- And more
- Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Ensure payments get received on time
- Have all payee information in one convenient place
- Avoid paper clutter
- Download the free mobile app1 , “MCTCU”, for Apple® or Android™
- Apply for new loans when signed in to Online or Mobile Banking
- Save valuable time and effort by avoiding an extra trip to the branch
Digital banking made even better...
Knowing your credit score is essential when you want to open a loan or credit card, but it’s also important to track changes to your score since it can alert you to suspicious activity. My Credit Manager gives you the tools to help protect your financial health, perform debt analysis, and review changes to your score.
With My Credit Manager, you get 24/7 access to your credit report and resources to learn more about managing your score. It's our way of helping you stay on top of your credit health!
Login, Monitor, Relax.
With "My Budget", the power is in your hands! Here is what you can do:
- Set savings goals and receive notifications of your progress towards those goals for things like a new home, vacation, new vehicle, or a baby
- Aggregate outside accounts so that you see all accounts and loans in one place, including balances and transaction histories
- View your spending by categories so you see exactly how much is going to groceries, utilities, travel, dining out, etc.
- Set spending targets for each category so that you do not break the bank on any specific category and receive notifications when you are getting close to your set target
- View your cash flow and net worth
To access this tool:
Online Banking Users:
Login to your account and click on any of your account cards on the dashboard. The next screen will have the button "My Budget" which will take you directly to this tool.
Mobile Banking Users:
Login to your account and click the menu tab at the top left of the screen. You will simply click on "My Budget" from the menu tab to be taken directly to this tool.
Deposit checks quickly, easily, and securely right from your phone or tablet! MCT Credit Union’s Remote Deposit gives you the freedom to bank outside of the credit union’s hours and the Golden Triangle area. Just follow these 3 easy steps:
- Endorse your check by signing the back and writing “For Mobile Deposit Only to MCTCU” along with your account number
- Open the MCTCU mobile app and select "Deposit"
- Follow the onscreen prompts and click Submit
The Receipt Deadline for Remote Deposits is 3 PM CST on a Banking Day. Any Remote Deposits not received on a Banking Day or not received in their entirety by the Receipt Deadline on a Banking Day will be considered to have been received on the next Banking Day. Keep your checks in a safe place and destroy them after your deposit is confirmed. The maximum daily deposit limit is $3,000.
Deposits are subject to the Credit Union’s Funds Availability Policy.
MCT doesn't charge a fee to enroll in or access mobile deposit or mobile banking, however, text message charges and/or mobile internet data charges may apply and are the responsibility of the user while accessing the service. Contact your mobile service provider for details.
- Save paper and save the environment
- A fast, free, and easy alternative to paper statements
- Easier to retrieve info when needed
- Eliminate a paper trail
- Reduce chances of fraud and identity theft
- Arrive faster than paper statements
- Simplify recordkeeping
- Easily access past statements
- Ability to download for permanent storage or print if needed
- Receive email notice when new eStatement is ready
Ready to Get Started?
Simply log in to your Online or Mobile Banking and click on any of your share account tabs in the Dashboard. Then, by clicking the "Documents" button you will arrive at the e-statement portal. First-time users will need to confirm their email address before they will be shown their e-Statement dashboard. Please contact the Credit Union at 409-727-1446 for assistance.
Sign up to receive text alerts and messaging through mobile banking to stay on top of account changes and more. Get started using the following instructions:
- Log in to Online or Mobile Banking
- Click on the Share you would like to receive alerts for
- Click on the button "Alert Preferences"
- Choose to create a Balance and/or Transaction Alert by clicking "Add Alert" on either tab
- Fill out the information requested for each alert type and choose to be notified by Text, Email, In-App Message, or all three
MCT doesn't charge a fee to enroll in or access online or mobile banking, however, text message charges and/or mobile internet data charges may apply and are the responsibility of the user while accessing the service. Contact your mobile service provider for details.
Bank Face-to-Face Anytime with MCT's Video Chat!
Get personal, secure service from anywhere with Video Chat in MCT’s Digital Banking. Open accounts, apply for loans, and get answers— without a trip to the branch!
- Convenient & Secure – Bank from anywhere
- Personalized Service – Real MCT reps, real help
- Easy Access – Simply log in to digital banking to Video Chat us
Try Video Chat today and experience hassle-free banking on your terms.
Available during normal business hours.
Pay your way with Pay a Person from MCT
Your real-time flexible payment option is here. Splitting the bill can be challenging when everyone has their own way of settling up. We’re here to help. Pay a Person from MCT simplifies sending money regardless of where your friends bank or what apps they use.
- Simple
- Swift
- Safe
To get started with Pay a Person, log in to your account and choose “Pay a Person” from the menu.
Log in to your account online or download our app from the App Store® or Google Play™ today.
Click HERE to learn more about Pay a Person.
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What can I do online or on the mobile app?
Easily review transaction history and balances, transfer funds between accounts, make loan or credit card payments, apply for loans, pay bills, deposit checks remotely, access eStatements, text or video chat with MCT representatives during business hours, and more.
How do I sign up for Online Banking?
You can enroll online by visiting www.mctcu.org, clicking “Log In” at the top right, and then “Enroll Now” on the popup. You may also request access via phone or in person for an MCT representative to process your enrollment for you. To access our “MCTCU” app, simply download from your mobile app store and login with the same Online Banking credentials.
Is there a fee to use Online Banking?
MCT’s Online and Mobile Banking services are free to use. However, your own wireless carrier data rates may apply.
Is online banking secure?
Yes. MCT and our Online Banking provider take an abundance of precautions to ensure the safety and security of your personal and banking information. If ever you feel your online account may have been compromised, we encourage you to contact MCT immediately.
1Wireless carrier data rates may apply
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.