M. C. T. Credit Union Amsterdam NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to M. C. T., your trusted partner in financial well-being, located at 4883 State Highway 30, Amsterdam, NY 12010. Since our establishment in 1960, we have been dedicated to serving our community with reliable banking solutions and personalized service. With a total membership of 3,200, we pride ourselves on building strong relationships with our members and providing them with the tools they need to achieve their financial goals. At M. C. T., we understand that every member has unique needs. That's why we offer a diverse range of services from checking and savings accounts to auto loans and mortgage financing. Our total assets stand at an impressive $65,700,632, ensuring that we have the resources to support our members effectively. With $9,205,972 in total deposits and a net worth of $8,813,957, our stability reflects our commitment to sound financial practices. Our leadership team is here to guide you every step of the way. Under the direction of CEO Patty Macek and Board President Stuart Palczak, our team is passionate about fostering a welcoming environment where you can thrive financially. We have a dedicated staff of 10 employees who are always ready to assist you with friendly service. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to the same address: 4883 State Highway 30, Amsterdam, NY 12010. Explore what M. C. T. can do for you by visiting our website at http://mct-fcu.org or give us a call at 518-842-1840 today! Join us as we continue making positive impacts in the lives of our members and the community we serve!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Our commitment to innovation means that we provide online banking solutions for your convenience, alongside traditional services such as drive-thru banking for quick transactions. We prioritize accessibility by ensuring compliance with ADA standards so everyone can benefit from our offerings.

Join Us!

As we look toward the future, we invite you to become part of the M. C. T. family. Experience firsthand how we combine quality financial services with a genuine passion for community support. Whether you need assistance with loans or want to explore new savings options, we're here for you. For more information or inquiries, please feel free to call us at 518-842-1840 during our operating hours: Monday through Wednesday from 9 AM - 4:30 PM; Thursday from 9 AM - 5 PM; Friday from 9 AM - 6 PM; and Saturday from 9 AM - Noon (Drive-Thru Only). Join us today at M. C. T. where your financial journey matters!

Our Journey

From the moment we opened our doors, M. C. T. has been dedicated to providing personalized banking services that cater to the needs of our members. As we evolved, we embraced changes in technology while ensuring that our core mission remained intact: serving our members with integrity and dedication. Our branch address, conveniently located near local landmarks, makes it easy for you to access our services. While members can visit us at 4883 State Highway 30, official correspondence should be sent to the same address.

Our Mission

At M. C. T., our mission is simple yet impactful: We are committed to enhancing the financial lives of our members while fostering a strong sense of community. Our services range from personal banking options like checking and savings accounts to auto loans and mortgages. We also offer business banking services to empower local entrepreneurs. We believe in creating meaningful connections through outreach programs and partnerships within Amsterdam and surrounding areas. Our efforts go beyond just banking; we actively participate in community events and initiatives that uplift those around us.

Branch Location & Accessibility

Accessibility and Features

At M. C. T., we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and wide entryways to ensure everyone can visit us comfortably. We also offer convenient drive-thru banking, so you can complete simple transactions without leaving your vehicle. Parking is available right outside our doors, making your visit hassle-free.

Get in Touch!

We invite you to stop by M. C. T. today or give us a call at 518-842-1840 for more information about how we can support your financial journey. We're excited to welcome you into our community!

Operating Hours

We understand that life can be busy, which is why we've set our operating hours to accommodate your schedule. You can visit us Monday through Wednesday from 9 AM to 4:30 PM, Thursday from 9 AM to 5 PM, and Friday from 9 AM to 6 PM. If you're looking to stop by on Saturday, our drive-thru service is open from 9 AM until noon. While members can visit us at 4883 State Highway 30, official correspondence should be sent to the same address: 4883 State Highway 30, Amsterdam, NY 12010.

Services Offered

At M. C. T., we offer a variety of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Our knowledgeable staff is always ready to assist you with any questions or help you may need.

Member Eligibility

At M. C. T., we believe that everyone deserves a chance to be part of a supportive community where your financial needs are understood and valued. To become a member, you'll find it's easier than you might think! If you're living or working in the Amsterdam area, or even if you have family members who are already part of our credit union, you're likely eligible to join us. We welcome individuals from various backgrounds and professions, making it a vibrant place for all. Joining M. C. T. opens the door to numerous benefits, including personalized banking services and competitive loan options tailored just for you. Plus, being a member means you can take advantage of our friendly staff who are always ready to assist you. Ready to take the next step? You can find more details about eligibility by visiting . If you have any questions or need assistance with opening an account, feel free to give us a call at (518) 842-1840. We're excited to help you get started on your journey with us at M. C. T.!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having a reliable partner for your payment processing needs. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Whether it's setting up point-of-sale systems or managing online payments, we are here to make it easy for you. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Let us help you take the next step toward achieving your business goals at 4883 State Highway 30 Amsterdam Ny 12010. Contact us today at (518) 842-1840 to learn more!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Comprehensive List Of Services

Business Banking Services

For business owners in our community, we offer tailored services like merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business journey with customized financial solutions.

Credit Options

Don't forget about our credit cards with rewards! These cards not only give you purchasing power but also allow you to earn points on every dollar spent, which can be redeemed for various rewards.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we have prioritized our online and mobile banking services. Access your accounts anytime, anywhere whether it's checking balances, transferring money, or paying bills online. You can also enjoy easy access to cash through our ATM and cash withdrawal services when needed.

Drive-Thru Service

For those on the go, our basic drive-thru banking allows you to complete deposits, withdrawals, and other simple transactions without leaving your vehicle. It's all about making your banking experience as convenient as possible. If you're interested in learning more about how we can assist with your financial needs or if you have any questions about our services, don't hesitate to reach out! Call us at (518) 842-1840, visit us at 4883 State Highway 30 Amsterdam Ny 12010, or explore more on our website at 4883 State Highway 30. At M. C. T., we're here for you every step of the way!

Personal Banking Services

Starting with personal banking, we understand that everyone has different financial goals. That's why we offer checking and savings accounts designed for your convenience. Imagine effortlessly managing your day-to-day expenses or saving for that dream vacation our accounts make it simple. Need a vehicle? Our auto loans and vehicle financing options can help you hit the road in no time. We provide competitive rates and flexible terms to ensure that financing your new car is as stress-free as possible. For those looking to purchase a home or refinance their existing mortgage, our mortgage loans and refinancing solutions are here to assist you in navigating the housing market. We believe owning a home should be within reach for everyone. If you're facing unexpected expenses or wish to consolidate debt, our personal loans can provide the support you need. With straightforward terms and quick approvals, you'll find that financial relief is just around the corner.

Digital & Online Banking

At M. C. T., we understand that managing your finances should be as easy and convenient as possible. That's why we offer a variety of digital and online banking services designed to fit your busy lifestyle while keeping your information secure. With our 24/7 online banking service, you can access your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away at http://mct-fcu.org. For those who prefer mobile convenience, our platform supports person-to-person transfers, making it simple to send money to friends or family without the hassle of cash. If you're looking to streamline your statements, you'll be pleased to know that e-statements are available. This means no more paper clutter just straightforward access to your financial records right from your device. And even though we currently don't support electronic signature authorization or mobile payments, our focus remains on providing you with user-friendly tools that make managing your finances straightforward and efficient. While we don't have a dedicated mobile application at this time, our website is fully optimized for mobile devices. You can easily navigate through all the features right from your smartphone or tablet. We prioritize security in everything we do, ensuring that your personal information remains safe while you enjoy these digital conveniences. Join us at M. C. T. and take advantage of our robust online banking options today!

Financial Strength

Commitment to Improvement

With $6,894,427 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This focus on growth allows us to continually improve the experience we provide.

Growing Membership Base

With a total of 6,060 share accounts, our strong and growing member base trusts us with their finances. This trust fuels our commitment to providing excellent service and meeting your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, M. C. T. is your trusted partner. Visit us at 4883 State Highway 30 Amsterdam Ny 12010 or call (518) 842-1840 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $182 in used auto loans and $10,127,496 in total loans and leases. Whether you're looking to buy a car or need financing for other needs, we're here to assist you.

Member-Centric Focus

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. This approach allows us to keep our services tailored to your needs.

Operational Efficiency

Our performance is reflected in our $928,978, which showcases our operational efficiency and ability to provide competitive loan rates and solid financial products for you. We also take pride in having 8 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Savings Security

Members' savings are secured through $2,161,396 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have no money market shares available, our focus remains on creating valuable options for you.

Solid Financial Position

With a net worth of $8,813,957, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,342 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,783,866 in used vehicle loans and $2,103,630 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, making it easier than ever to find the right car for your needs.

Credit Lines and Unsecured Credit Cards

For those looking for flexibility in managing expenses, we also provide credit lines totaling $2,460,000. This option allows you to access funds when needed without the hassle of reapplying each time. Additionally, our unsecured credit card loans amounting to $104,249 give you the freedom to manage your finances effectively while enjoying convenient payment options. Whether you're interested in refinancing an existing loan or exploring eligibility options for one of our products, our team is here to guide you through every step of the process. To learn more about our loan offerings or if you have any questions, feel free to reach out at (518) 842-1840 or visit us at our branch located at 4883 State Highway 30 Amsterdam Ny 12010 in Amsterdam, NY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $961,270, make buying or refinancing simple. We offer various terms and conditions to fit your unique situation, ensuring you can find the perfect solution for your dream home.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to accuracy means users can trust that they are viewing reliable information as they compare options.

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