MCT Credit Union Port Neches TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to Mct at our Port Neches Branch, located conveniently at 2736 Nall St, Port Neches, TX 77651. Since our establishment in 1953, we have been dedicated to serving the financial needs of our community with trust and reliability. With a total membership of 21,554 and assets exceeding $363,109,332, we pride ourselves on being a solid partner for your financial journey. At Mct, we offer a wide range of services tailored to meet your personal and business banking needs. Our commitment to our members is reflected in our impressive total deposits of $17,288,515 and a net worth of $39,601,436. Whether you are looking for auto loans, mortgage options, or business financing solutions, we've got you covered. While members can visit us at our branch location for all banking needs, official correspondence should be sent to our mailing address at PO Box 279, Port Neches, TX 77651. Our friendly staff is here to assist you from Monday through Wednesday and Friday from 8:30 AM to 5:00 PM, and on Thursdays until 6:00 PM. Under the leadership of CEO Thad Angelle and Board President George Scott, Jr., our team works hard to foster an environment where members feel valued and supported. We employ around 80 dedicated individuals who are ready to help you navigate your financial landscape. Join us today at Mct or give us a call at 409-727-1446 to discover how we can help you achieve your financial goals! Visit our website at mctcu.org for more information on our services and offerings. Your journey towards financial success starts here!

Branch History & Mission

Modern Banking Experience

In addition to traditional banking methods, we offer modern conveniences like online banking and mobile access. Our digital tools ensure that our members can manage their finances anytime and anywhere. With features like electronic signatures and e-statements available, we prioritize both security and ease of use. For those who prefer face-to-face interaction, our drive-thru service is available for quick transactions without leaving your vehicle. With an ATM on-site as well as lobby hours designed to accommodate busy schedules open Monday through Wednesday and Friday from 8:30 AM to 5:00 PM; Thursday from 8:30 AM to 6:00 PM we strive to make your banking experience as convenient as possible. We invite you to join us at Mct where you'll find not just a credit union but a supportive community eager to help you succeed financially. Experience firsthand how we make a difference visit us today or give us a call at 409-727-1446! Together, let's build a brighter financial future.

Our Mission

At Mct, our mission is clear: to provide top-notch financial services while fostering a spirit of community support and cooperation. We believe that banking should be about building relationships and helping individuals achieve their dreams whether that's buying a new home or securing financing for a vehicle. Our range of services includes personal banking accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. Our commitment extends beyond just providing financial products; we aim to create a positive impact on the lives of our members through education and support. We actively participate in community events and partner with local organizations to promote financial literacy and economic growth.

Branch Location & Accessibility

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 409-727-1446. We look forward to welcoming you in person at the Port Neches Branch of Mct! Your financial journey starts here come visit us today!

Operating Hours

We know your time is valuable! That's why our lobby is open on Monday, Tuesday, Wednesday, and Friday from 8:30 AM to 5:00 PM. On Thursdays, we extend our hours until 6:00 PM. If you prefer drive-thru banking, we're here for you even earlier; our drive-thru operates from 8:00 AM to 5:00 PM on weekdays and from 9:00 AM to noon on Saturdays.

Services Tailored for You

At the Port Neches Branch, we offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Need to make a quick withdrawal? Our ATM is available for your convenience along with basic drive-thru services for deposits and simple transactions.

Visit Us Today

While members can visit us at our physical location, please note that any official correspondence should be sent to our mailing address: PO Box 279, Port Neches, TX 77651. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking for your convenience.

Member Eligibility

At Mct, becoming a member means joining a warm and supportive community where your financial well-being is our priority. We welcome individuals who live, work, worship, or attend school in the Port Neches area to become part of our family. If you meet these simple eligibility criteria, you can enjoy all the benefits that come with membership, including personalized service and access to a range of financial products tailored just for you. For more detailed information on what it takes to join us, feel free to check out our eligibility guidelines at . Opening an account is straightforward and can be done in person at our branch located at 2736 Nall St Port Neches Tx 77651. Our friendly team is here to guide you through the process and answer any questions you might have. You can also reach us at (409) 727-1446 if you prefer to chat before visiting. Join us today and discover how Mct can help you achieve your financial goals!

Business Banking & Commercial Services

Business Loan Options

Imagine having the funds to launch a new product line or open a second location. 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.

Merchant Services

But we don't stop at loans. Our merchant services offer practical tools that make everyday transactions easier. Picture this: your customers can pay quickly and securely, whether they're using a credit card or mobile payment option. This means smoother checkouts, happier customers, and more time for you to focus on what you do best running your business. If you're looking for flexible financing solutions or streamlined payment processing, visit us at 2736 Nall St Port Neches Tx 77651 in Port Neches, TX, or call us at (409) 727-1446. We're here to help your business thrive!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans offer competitive rates and flexible terms, making it easier than ever to drive off in a car you love. Whether you're buying new or used, our team is here to assist you every step of the way.

Business Banking Solutions

For our business members, we offer tailored solutions including merchant services and business loans. These services empower local businesses to thrive while streamlining their financial operations.

Convenient Access Options

Accessing your funds has never been easier with our ATM services available at 2736 Nall St Port Neches Tx 77651. You can withdraw cash or check balances quickly through our basic ATM access. Additionally, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle. At Mct, we pride ourselves on offering comprehensive financial solutions that cater to all aspects of life. With convenient access through digital banking features and a friendly team ready to assist, we ensure that managing your finances is straightforward and stress-free. Ready to explore what we have to offer? Call us at (409) 727-1446 or visit us at 2736 Nall St Port Neches Tx 77651 today! We look forward to helping you achieve your financial goals at Port Neches Branch!

Mortgage Loans and Refinancing

For those ready to invest in a home, our mortgage loans provide the support needed for such a significant purchase. We also offer refinancing options that may help lower your monthly payments or make adjustments based on changing financial situations.

Personal Banking Services

Our personal banking options include checking and savings accounts that fit various lifestyles. Imagine having easy access to your funds while earning interest on your savings. With our user-friendly online and mobile banking, you can manage your accounts anytime, anywhere. Plus, our credit cards come with rewards that allow you to earn while you spend perfect for those who want to maximize their purchases.

Personal Loans and Debt Consolidation

If you find yourself juggling multiple debts, consider our personal loans designed for debt consolidation. This service helps simplify your finances by combining all your debts into one manageable payment, potentially saving you money in interest over time.

Digital & Online Banking

At Mct, we understand that your time is valuable, and that's why we offer a range of digital and online banking services designed to make your financial life easier and more secure. With our user-friendly platform, you can manage your accounts from anywhere, anytime whether you're at home or on the go. Explore our online banking services at https://www.mctcu.org/ to discover how easy it is to take control of your finances. Our 24/7 online banking option allows you to check your balances, pay bills, and transfer funds all at your convenience. Need to send money to a friend? Our person-to-person transfer feature lets you do just that quickly and easily, making transactions hassle-free. Security is always a top priority for us. With electronic signature authorization available, you can sign documents digitally without worrying about safety. Plus, our commitment to providing e-statements means you'll have instant access to your account statements no more waiting for the mail! If you're looking for banking on the move, our mobile application brings all these features right into your pocket. You can deposit checks, monitor transactions, and even set up alerts so you're always in the loop. While we currently don't offer mobile payments, our robust app ensures that managing your finances is as straightforward as possible. Join us today at Mct and experience the benefits of modern banking tailored just for you. Your financial journey deserves the best tools let's get started!

Financial Strength

At Mct, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength is backed by solid metrics that demonstrate our reliability and commitment to serving you. 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 $1,090 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. In addition to these strengths, we have $39,443,209 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,517 in used auto loans and $230,019,145 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our $0, 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. Net Shares (funds available for lending and investments) total $76,528,768, while the number of total share accounts stands at 44,233, showing a strong and growing member base that trusts us with their finances. 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 2736 Nall St Port Neches Tx 77651 or call (409) 727-1446 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.

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 cater to both new and used vehicles, ensuring you find an option that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $24,952,294 provide the capital needed to grow and expand. We are dedicated to supporting local businesses in achieving their goals through tailored financing solutions.

Credit Lines

In addition to our traditional loans, we also offer credit lines with a total value of $52,686,530. This flexibility allows our members to access additional funds as needed while managing cash flow effectively. If you're interested in any of these products or want more information about refinancing options and eligibility requirements, don't hesitate to reach out! You can contact us at (409) 727-1446 or visit us at our branch located at 2736 Nall St Port Neches Tx 77651 in Port Neches, TX. Performance insights and financial data 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 every step of the way toward achieving your financial goals.

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 competitive rates and flexible terms to help you navigate the process with ease.

Unsecured Credit Cards

Managing day-to-day finances can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $9,660,526 in loans helping members manage their finances effectively. With our credit cards, you can enjoy convenient access to funds whenever you need them.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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). This sourcing ensures that users receive fair and transparent offers, allowing for accurate comparisons between different loan products.

Mct