Back to Port Neches credit unions

Mct

PO Box 279, Port Neches, TX 77651
NCUA Insured4.9 (1,196 reviews)3 charter

Verified Information

NCUA Insured

Member-Owned

3 charter

Established in 1953

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

Location & Directions

Address

PO Box 279

Port Neches, TX 77651

Service Area

This credit union is located in Port Neches and serves members in the TX area. Currently serving 22,032 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.

Loan Rates

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

New Auto Loan

5.33%

Used Auto Loan

5.56%

Personal Loan

11.55%

Credit Card APR

11.84%

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).

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

Branches & Locations(6 total)

Member Reviews

4.9

1,196 Google reviews

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

View on Google Maps
Santos

Santos

8 months ago

I recently opened a new account at MCT Credit Union in Port Neches, and the entire experience was absolutely amazing! Hannah took the time to explain all my options clearly, answered every question with patience, and made me feel valued as a member … not just another customer. The process of opening my account was quick, smooth, and stress-free. I really appreciated the attention to detail and the friendly atmosphere throughout the whole visit. It’s rare to find such genuine customer service these days, but MCT Credit Union truly delivers. If you’re looking for a place that goes above and beyond for its members, I highly recommend Hannah and MCT Credit Union! Santos

Julie Stockton

Julie Stockton

7 months ago

I've been a customer of MCTCU for about 20 years and always have great service and experiences. I've financed several vehicles and Jasmine helped me with my most recent purchase. She was very attentive and helpful.

Cody Burns

Cody Burns

8 months ago

I recently had the pleasure of working with Nysa, a loan officer at MCT Credit Union, during the purchase of my first brand-new truck, and I cannot speak highly enough of her exceptional service. From start to finish, Nysa demonstrated an impressive level of knowledge about the loan process, guiding me with clarity and confidence through every step. Her expertise made what could have been an overwhelming experience feel seamless and manageable, as she patiently explained all options and ensured I fully understood the terms. Nysa’s communication was outstanding—she stayed in consistent contact throughout the entire process, promptly addressing my questions and keeping me updated on the status of my loan. Her professionalism, combined with her friendly and approachable demeanor, made me feel valued and supported as a first-time buyer. Thanks to Nysa’s dedication and expertise, I drove away in my new truck with complete peace of mind. I wholeheartedly recommend her to anyone seeking a loan officer who truly goes above and beyond.

Melanie Toups

Melanie Toups

7 months ago

I secured an auto loan through MCT, and it was the smoothest experience! I seamlessly worked with the loan officer while at my dealership, communicating via email and text messages. Nysa is the young woman who helped me, and she was very kind, helpful, patient, and gracious! Everything was completed electronically in a most timely manner.

Jonathan Morein

Jonathan Morein

6 months ago

Christa was very helpful in my auto refinance. She even found ways to save me money on some revolving balances. She was thorough and made sure I could see all of my options before I made any decisions.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).