MCT Credit Union Lumberton TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Mct, your trusted partner in financial success since 1953. Located at 94 N Lhs Dr, Lumberton, TX 77657, we are dedicated to serving our community with integrity and care. As a proud member of the Lumberton area, we believe that banking should be personal, and our team is here to help you every step of the way. At Mct, we proudly serve over 21,500 members, providing a wide array of services designed to meet your unique financial needs. With total assets of $363,109,332 and total deposits reaching $17,288,515, you can trust that your money is in safe hands. Our commitment to our members extends beyond just numbers; we aim to make a positive impact on the lives we touch. Led by our CEO, Thad Angelle, and Board President, George Scott, Jr., our experienced team works tirelessly to offer competitive loans and savings options tailored for individuals and businesses alike. We currently manage over 13,677 loans and leases while maintaining a net worth of $39,601,436, ensuring that we remain strong and capable of supporting your financial aspirations. While members can visit us at our branch location for personal assistance or inquiries, official correspondence should be sent to our mailing address: PO Box 279, Port Neches, TX 77651. Whether you're looking for an auto loan or planning for your future with mortgage options or credit cards with rewards, we're here to help you achieve your goals. Feel free to reach out at 409-751-4425 or explore our website at www.mctcu.org for more information about how we can assist you today! Join us in building a brighter financial future together.

Branch History & Mission

The story of Mct in Lumberton, TX is one of community, growth, and dedication. Established in 1953, this branch has been a cornerstone for financial services in the area for decades. Located at 94 N Lhs Dr, Lumberton, TX 77657, it proudly serves a diverse membership of over 21,554 individuals who trust us with their financial needs. From humble beginnings, Mct has evolved significantly over the years. Our commitment to our members has driven us to continuously enhance our offerings and adapt to their changing needs. With total assets amounting to an impressive $363,109,332, we have built a strong foundation that supports both personal and business banking services. At Mct, our mission is clear: we strive to provide accessible and reliable financial services while fostering a sense of community. We believe in empowering our members by offering various products such as checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. In addition to these financial services, we aim to give back through community outreach programs that strengthen the bonds within Lumberton. Our branch not only focuses on traditional banking but also embraces modern conveniences. Members can take advantage of online and mobile banking options for easy access to their accounts anytime and anywhere. Our lobby hours are designed with flexibility in mind open Monday through Wednesday and Friday from 8:30 AM to 5:00 PM, with extended hours on Thursday until 6:00 PM. For those on the go, our drive-thru service ensures quick transactions without leaving your vehicle. We also provide ATM access for cash withdrawals and balance checks around the clock, enhancing convenience for our members. While you can visit us at 94 N Lhs Dr, any official correspondence should be directed to our mailing address at PO Box 279, Port Neches, TX 77651. In addition to serving our members' financial needs, we actively seek partnerships within the community. These collaborations allow us to support local initiatives that make a real impact on people's lives. Join us at Mct as we continue this journey together! Experience the benefits of being part of a credit union that truly cares about its members and their future. For more information or assistance, feel free to call us at 409-751-4425 or visit our website at mctcu.org. Your financial well-being is our priority!

Branch Location & Accessibility

Come Visit Us!

With our welcoming atmosphere and dedicated team ready to assist you, there's no better place for your banking needs than Mct Lumberton Branch. Feel free to give us a call at 409-751-4425 if you have any questions or want more information about our services. We look forward to seeing you soon!

Convenient Access and Nearby Landmarks

Located just a stone's throw from popular spots in Lumberton, our branch is easy to find. Whether you're running errands or heading home, you can drop by with ease. Parking is available right outside, ensuring you won't have to walk far to reach us. Plus, our facility is equipped with ADA-compliant features, making it accessible for everyone. While members can visit us at 94 N Lhs Dr, official correspondence should be sent to PO Box 279, Port Neches, TX 77651 if you need to mail anything important.

Operating Hours That Fit Your Schedule

At Mct, we know your time is valuable. That's why we're open Monday through Wednesday and Friday from 8:30 AM to 5:00 PM, and on Thursday until 6:00 PM. Our drive-thru service offers even more flexibility with hours from 8:00 AM to 5:00 PM on weekdays and Saturday hours from 9:00 AM to 12:00 PM. Whether you prefer visiting us in person or using the drive-thru for quick transactions, we've got you covered!

Services Tailored for You

Our branch offers a variety of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you every step of the way. Need cash? Our ATM is available for quick withdrawals and balance checks whenever you need it.

Member Eligibility

At Mct, we believe that becoming a member means joining a caring community where your financial well-being is our priority. If you're interested in being part of our family, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the Lumberton area. This inclusive approach allows us to serve a diverse group of individuals, fostering relationships built on trust and support. Joining is a breeze! You can easily open an account at our branch located at 94 N Lhs Dr Lumberton Tx 77657 or give us a call at (409) 751-4425 for any questions you might have. To learn more about the specific eligibility criteria, feel free to visit this link for detailed information. We can't wait to welcome you as a member of Mct!

Business Banking & Commercial Services

Lending Solutions That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $131 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $24,952,294, we continue to drive economic growth by financing new and expanding businesses. Imagine having the capital you need to take on larger projects or hire additional staff. That's what our tailored loan options provide financial backing that empowers your business goals.

Merchant Services for Everyday Transactions

In addition to loans, we offer merchant services that simplify payment processing for your business. This means faster transactions and happier customers. Picture this: a local café uses our services to accept various payment methods seamlessly, reducing wait times during busy hours and allowing them to focus more on delivering great service. Whether you're in Lumberton or the surrounding areas, our team at Mct is here to help you navigate the financial landscape with confidence. For more information about how we can assist your business, visit us at 94 N Lhs Dr Lumberton Tx 77657 or call us at (409) 751-4425.

Comprehensive List Of Services

Business Banking

We haven't forgotten about local businesses! Our business banking services, including merchant services and business loans, are designed to support entrepreneurs like you in achieving your goals.

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking features that let you manage your accounts from anywhere. You can perform transactions such as deposits and withdrawals without stepping into the branch. Our ATM services ensure cash is just an easy transaction away.

Drive-Thru & ATM Services

For members who prefer face-to-face interactions but still want quick service, we provide basic drive-thru banking for simple transactions like deposits and withdrawals. Plus, with our ATM availability, accessing funds is straightforward whether it's day or night. At Mct, we strive to create a friendly environment where members feel valued and understood. If you're interested in exploring any of these services further or have questions about how we can assist you better, don't hesitate to reach out! Give us a call at (409) 751-4425, or stop by our branch today! Your financial journey starts here at Lumberton Branch where community meets convenience!

Home Financing Options

If owning a home is part of your dream, our mortgage loans and refinancing services are here to assist you. We understand that every member's needs are unique, so we provide personalized solutions to ensure you're comfortable with your mortgage payments.

Lending Services

For those times when unexpected expenses arise or when you want to consolidate debt, our personal loans and debt consolidation options can provide the relief you need. Plus, our credit cards come with rewards that allow you to earn while you spend.

Personal Banking Solutions

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Imagine easily managing your finances online or through our mobile app, giving you access anytime you need it. We also offer auto loans and vehicle financing options that can help you hit the road in no time. With competitive rates and flexible terms, financing your next car has never been easier.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to check your account balances, transfer funds, and pay bills without the hassle of visiting a branch. You can also enjoy the convenience of person-to-person transfers, making it simple to send money to friends and family with just a few clicks. Plus, if you're looking to go paperless, we provide e-statements that let you keep track of your finances easily while reducing clutter. For those who prefer managing their accounts on the go, our mobile application makes banking even easier. You can access all the essential features right from your smartphone. Not only does this app allow for quick transactions, but it also supports electronic signature authorization, enabling you to sign documents digitally without any fuss.

Security and Ease of Use

Security is our top priority. We've implemented robust measures to ensure your personal information remains protected while you bank online. Our user-friendly interface means that even if you're not tech-savvy, you'll find navigating through your accounts straightforward. Whether you're making a payment or reviewing your statements, our systems are designed for ease of use so that you can focus on what matters most your financial goals. And if you ever have questions or need assistance, our dedicated team is always here to help. Experience the freedom of managing your finances with confidence at Mct where convenience meets security in every transaction!

Financial Strength

Commitment to Growth

With $39,443,209 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1,517 in used auto loans and $230,019,145 in total loans and leases.

Member Trust

Total Share and Deposit Accounts: 44,233, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $76,528,768. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mct is your trusted partner. Visit us at 94 N Lhs Dr Lumberton Tx 77657 or call (409) 751-4425 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $433,371 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 78 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $30,931,345 in share certificates and $20,623,265 in money market shares, offering stable and rewarding financial growth opportunities. 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.

Strong Financial Health

With a net worth of $39,601,436, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.90% 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 $31,468,116 in used vehicle loans and $26,638,468 in new vehicle loans already helping members get on the road. We provide options for both new and used vehicles, making it easier for you to drive away in a car that fits your budget and lifestyle.

Commercial Loans

For business owners, our outstanding commercial loans totaling $24,952,294 provide the capital needed to grow and expand your enterprise. We recognize the importance of supporting local businesses and are dedicated to offering tailored solutions that meet your commercial lending needs. We invite you to explore our loan offerings at Mct, located at 94 N Lhs Dr Lumberton Tx 77657 in Lumberton, TX. If you have any questions or would like assistance with your loan application, please don't hesitate to contact us at (409) 751-4425. Our friendly staff is ready to help! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Loans

For those needing extra flexibility, our total credit lines amounting to $52,686,530 can provide you with the resources you need for various financial situations. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $9,660,526 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,915,056, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through every step of the process.

Loan Aggregator

Accurate Loan 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 that users can trust the information they receive when exploring their loan options.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can feel confident that the rates presented reflect actual offers available to you. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you see a true comparison of your options without hidden agendas. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. With LendMesh, you won't waste time searching through outdated information. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Take control of your financial future and compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

MCT CREDIT UNION - Lumberton, TX

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