Mtcu

PO Box 7309, Midland, TX 79708

NCUA Insured4.7 (198 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Midland, TX may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1955

Low-Income Designated

Minority Depository Institution (MDI)

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 7309

Midland, TX 79708

Google Maps 🗺Waze

(432) 688-7300

Service Area

This credit union is located in Midland and serves members in the TX area. Currently serving 7,251 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.39%

Used Auto Loan

7.89%

Personal Loan

14.25%

Credit Card APR

14.25%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.7

198 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Samantha Gonzalez

5 months ago

Tony at MTCU was absolutely wonderful to work with. He helped me get a loan quickly and made the entire process fast and easy! He was very understanding of my situation, took the time to explain everything clearly, and made me feel comfortable every step of the way. I truly appreciated his professionalism, kindness, and efficiency. Highly recommend working with Tony if you’re looking for a smooth and stress-free experience.

Arturo Alvarez

5 months ago

Maria was awesome. It took no time for us to get pre-approved and then in a new vehicle. She assisted with all the necessary steps and made it painless. Any new finance needs we might come across, MTCU will be our first and only stop. Customer service was excellent! Also, did I mention they utilize eSign; never had to leave the comfort of home to get paperwork signed. Very convenient given we have a newborn at home. THANK YOU!

Carol Kirk

5 months ago

Their motto: “Your partner in lending, your partner in life” is lived out every day by loyalty, service and caring for the members. MTCU has been there for me EVERY time I needed them. Special thanks to Kim for the most recent assistance, but Naomi, Michelle and our beloved Susie have also been part of a special group of caring professionals who were always there when I asked for help and advice. Five stars. Wish there were more to give them.

juan ortega

7 months ago

Cassandra was amazing and took care of all my reds in a prompt and professional way . As a customer, this type of customer service is important. Very happy with her Attention