Introduction
Welcome to Mct at our Orange Branch, located at 5401 16Th St, Orange, TX 77632. Since our establishment in 1953, we have proudly served the community, fostering a sense of belonging and trust among our 21,554 members. Our commitment to providing excellent financial services is reflected in our impressive portfolio of $363,109,332 in total assets and $17,288,515 in total deposits. At Mct, we understand that your financial needs are unique. That's why we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our team is dedicated to ensuring that you have access to the resources you need for your financial journey. Under the leadership of CEO Thad Angelle and Board President George Scott, Jr., our branch has grown to employ 80 talented individuals, all working together to enhance your experience with us. We take pride in maintaining a strong financial foundation with a net worth of $39,601,436 and over $4,269,373 cash on hand to serve you better. While members can visit us at our branch address for personal assistance or inquiries about our services, official correspondence should be sent to our mailing address: PO Box 279, Port Neches, TX 77651. We invite you to explore how Mct can help you achieve your financial goals. Whether you're looking for a loan or simply want to ask questions about your accounts, feel free to reach out! Call us at 409-883-5506 or stop by during our lobby hours from Monday through Wednesday and Friday from 8:30 AM to 5:00 PM and Thursday until 6:00 PM. We look forward to welcoming you into the Mct family!
Branch History & Mission
Community Commitment
Mct is more than just a financial institution; we are actively involved in community outreach efforts. Our partnerships with local organizations allow us to give back through various initiatives aimed at enhancing the lives of those around us. Whether it's sponsoring events or supporting local causes, we are dedicated to making a positive impact in Orange. We understand that accessibility is key in today's world. That's why we offer various digital advancements such as online banking and mobile applications to ensure you have access to your finances anytime, anywhere. Additionally, our branch meets ADA compliance standards so that everyone can enjoy our services comfortably. With operating hours designed for your convenience lobby hours from Monday to Wednesday and Friday from 8:30 AM to 5 PM; Thursday until 6 PM; and drive-thru service available during extended hours we strive to accommodate your busy schedule. As you explore the benefits of joining Mct, consider this your invitation to experience what sets us apart. With ATM availability and drive-thru services for easy transactions, we're here to make banking straightforward and supportive. Join us at Mct today! Together, let's build a brighter financial future for you and your family. For any inquiries or assistance, feel free to reach out at 409-883-5506. We look forward to welcoming you into our community!
Our Mission
Our mission at Mct is simple yet profound: to provide exceptional financial services while fostering a sense of belonging and support within our community. We believe that banking should not only be about transactions but also about building relationships. Our aim is to help every member achieve their financial goals through personalized services such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. While members can visit us at 5401 16th St, official correspondence should be sent to PO Box 279, Port Neches, TX 77651. This ensures that your communication reaches us promptly and securely.
Branch Location & Accessibility
Accessibility Features
At Mct, we believe that accessibility is key. Our branch is equipped with ADA-compliant features including ramps and spacious parking areas, making it easy for everyone to access our services. You'll find ample parking right outside the entrance, so you won't have to worry about finding a spot when you visit.
Operating Hours
We know your time is valuable, which is why we offer flexible operating hours tailored to meet your busy schedule. Our lobby is open Monday through Wednesday and Friday from 8:30 AM to 5:00 PM, and on Thursdays until 6:00 PM. If you prefer drive-thru service, we're available Monday through Wednesday and Friday from 8:00 AM to 5:00 PM, with extended hours on Thursday until 6:00 PM and Saturday mornings from 9:00 AM to noon.
Services Offered
Our range of services includes personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Whether you're looking to manage your finances online or need assistance in person, we've got you covered. Plus, our ATM is available for quick cash withdrawals or balance checks whenever you need it. We invite you to come by the Mct branch in Orange today! Feel free to give us a call at 409-883-5506 if you have any questions or need further assistance. We're excited to serve you!
Member Eligibility
At Mct, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is simple and welcoming! If you live, work, or worship in the Orange area or have family members who are already part of our credit union, you're eligible to join us at Mct. We're here to provide you with not just banking services, but also a sense of belonging and support for your financial journey. To get started, visit us at our branch located at 5401 16Th St Orange Tx 77632, or give us a call at (409) 883-5506 for more information on how to open your account. You can also check out the detailed eligibility criteria. Joining Mct means you'll enjoy access to personalized services, competitive rates, and a community that cares about your financial well-being. We can't wait to welcome you into our family!
Business Banking & Commercial Services
At Mct, we understand that every business journey is unique. Whether you're a startup or an established company, having the right financial support can make all the difference. Our commercial loan options are designed to fuel your growth and help you reach new heights. Imagine a local bakery that started with a dream and a small loan from us. With our help, they expanded their space, hired more staff, and now serve delicious treats to the entire community. This is just one example of how we've funded over $131 in commercial loans for our members, empowering them to scale and succeed. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $24,952,294, we continue to drive economic growth by financing new and expanding businesses. Additionally, our merchant services offer practical benefits that simplify day-to-day operations. Picture accepting payments seamlessly at your retail location or online this allows you to focus on what you do best: running your business. Located at 5401 16Th St Orange Tx 77632 in Orange, TX, we're here to partner with you on your path to success. Reach out today at (409) 883-5506 to learn how we can help your business thrive!
Comprehensive List Of Services
ATM & Drive-Thru Services
Need quick access to cash? Our ATM services allow for easy withdrawals and balance checks at any time. Plus, our basic drive-thru banking enables you to handle deposits and withdrawals without leaving your car. At Mct, we strive to offer comprehensive financial solutions while making banking as easy and convenient as possible. If you're interested in learning more about how we can support your financial goals, please give us a call at (409) 883-5506 or visit us at Orange Branch today! Your journey towards better financial health starts here.
Business Banking Solutions
For our business members, we offer tailored services like merchant services and business loans to help you thrive in the marketplace. We understand that managing finances can be challenging, so we're here to assist with all aspects of your business banking needs.
Convenient Digital Banking
In today's fast-paced world, convenience is key. That's why we provide online and mobile banking services that let you check balances, transfer funds, and pay bills right from your phone or computer. Our mobile app makes banking accessible wherever you are no need to visit the branch if you don't want to!
Credit Cards and Rewards
Don't forget about our credit cards with rewards! They not only help you make purchases but also earn points for travel, shopping, and more. It's a great way to get something back from your spending.
Personal Banking Services
Our personal banking options are tailored for everyday life. You can open a checking or savings account that suits your lifestyle and helps you manage your money effectively. If you're considering purchasing a car, our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your dream vehicle. For those looking to buy a home, our mortgage loans and refinancing services provide competitive rates and flexible terms. Additionally, if you need extra cash for unexpected expenses or want to consolidate debt, our personal loans offer straightforward solutions.
Digital & Online Banking
Key Features for Your Convenience
With our 24/7 online banking services, you have the power to manage your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or reviewing transactions, everything is just a few clicks away. Our platform also supports electronic signature authorization, making it simple and safe to sign documents digitally no need for paper or in-person visits. Want to go green? We offer e-statements that allow you to receive your account statements electronically. This not only helps the environment but also keeps your financial information secure and organized.
Stay Connected On-the-Go
For those who prefer banking from their mobile devices, our user-friendly mobile application is here to help. You can download it easily and enjoy access to all our digital banking features right from your phone. Plus, if you ever need to send money quickly, our person-to-person transfer feature makes it easy to pay friends or family with just a few taps. Even if you're out shopping or dining, our online banking ensures you're always connected to your finances without missing a beat. While we currently don't support mobile payments directly through the app, we're constantly looking for ways to enhance your banking experience. At Mct, we prioritize both security and ease-of-use in our digital offerings. With real-time account management tools at your fingertips, you can feel confident knowing that your finances are under control whenever and wherever you need them.
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 is robust; with $1,517 in used auto loans and $230,019,145 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency shines through as reflected in our $433,371, 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.
Member Trust
Total Share and Deposit Accounts: 44,233, show 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 5401 16Th St Orange Tx 77632 or call (409) 883-5506 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.
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. Whether you're eyeing a brand-new model or a reliable used vehicle, our financing options can make it happen.
Business Loans
For business owners, our outstanding commercial loans totaling $24,952,294 provide the capital needed to grow and expand. We understand that every business has unique financial requirements, and we're here to support your journey toward success.
Credit Lines
In addition, we offer robust credit lines totaling $52,686,530, giving you the flexibility to handle unexpected expenses or take advantage of opportunities as they arise. At Mct, we are committed to making borrowing straightforward and accessible. If you're considering refinancing or want more information about eligibility for any of our loan products, please don't hesitate to reach out. You can contact us at (409) 883-5506 or visit us at our branch located at 5401 16Th St Orange Tx 77632 in Orange, TX. Our financial performance insights are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial journey let's get started today!
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. We provide guidance through the process and ensure that you have access to affordable solutions for your housing needs.
Unsecured Credit Card Loans
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. Our credit cards come with various benefits and can be an excellent tool for building credit while managing daily expenses.
Loan Aggregator
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