MTC Credit Union Spartanburg SC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Mtc, your trusted financial partner since 1976. Located at 1785 New Cut Rd, Spartanburg, SC 29303, our branch is dedicated to helping you achieve your financial goals with personalized service and a commitment to our community. As part of our mission, we proudly serve over 16,731 members and manage total assets of $281,244,430. At Mtc, we believe in building strong relationships with our members. Our experienced team, led by CEO William Love and Board President Marion King, is here to assist you with everything from checking and savings accounts to auto loans and mortgages. We understand that everyone's financial journey is unique, which is why we offer tailored solutions designed just for you. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to our mailing address: PO Box 5049, Spartanburg, SC 29303. Our doors are open Monday through Friday, from 7:30 AM to 12:00 PM and 1:30 PM to 4:00 PM, ready to welcome you in for a chat or a consultation. With total deposits reaching $25,047,389 and cash in hand of $1,568,962, Mtc stands as a pillar of strength and reliability in the financial landscape. We invite you to explore our services such as personal loans, credit cards with rewards, business banking options, and online banking facilities. Whether you're looking to secure a loan or simply need advice on managing your finances better, our knowledgeable staff is just a phone call away at 334-983-2215. Join us at Mtc today where your financial future is built on trust and community!

Branch History & Mission

Community Engagement

Mtc is more than just a financial institution; we are deeply rooted in our community. We engage in various outreach efforts aimed at enhancing the lives of those around us. This includes partnerships with local organizations and initiatives designed to support financial literacy among our members. We invite you to join us on this journey! Experience the benefits of being part of Mtc where your financial health matters just as much as your personal success. Come visit us today and discover how we can help you achieve your goals! For more information or inquiries, feel free to call us at 334-983-2215 or explore our website at mtcfederal.com.

Our Mission

Our mission at Mtc is clear: we are dedicated to providing top-notch financial services while supporting the community's growth and well-being. We believe that everyone deserves access to quality banking solutions without the stress often associated with traditional banking institutions. Our services include personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. While members can visit us at 1785 New Cut Rd, official correspondence should be sent to PO Box 5049, Spartanburg, SC 29303 if necessary. As part of our commitment to innovation and accessibility, we offer online banking services that allow members to manage their finances from anywhere. Our ATM availability ensures that you can access your funds when you need them most. Although we do not currently provide drive-thru service or shared service center options, our focus remains on delivering exceptional customer service during our operating hours: 7:30 AM - 12:00 PM & 1:30 PM - 4:00 PM, Monday through Friday.

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind. Parking is available on-site, ensuring that you can easily reach us without any hassle. If you require special assistance, rest assured that we meet ADA compliance standards, featuring ramps and other accessibility features to accommodate all members of our community.

Get in Touch

If you have any questions or want more information about our services, don't hesitate to give us a call at 334-983-2215. We look forward to welcoming you at Mtc and assisting you with all your banking needs!

Operating Hours

We understand your time is valuable. That's why we offer flexible operating hours from 7:30 AM to 12:00 PM and then again from 1:30 PM to 4:00 PM, Monday through Friday. This schedule allows you to visit us at a time that fits into your busy day.

Services Offered

At Mtc, we provide a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and personal loans, we have options for everyone. Plus, with our ATM available on-site, you can access cash whenever you need it without stepping inside the branch. While members can visit us at 1785 New Cut Rd, official correspondence should be sent to PO Box 5049, Spartanburg, SC 29303.

Member Eligibility

At Mtc, we believe that becoming a member is like joining a family dedicated to supporting your financial journey. Whether you're looking for better banking options or personalized service, we welcome individuals who live, work, or worship in the Spartanburg area to join us. Eligibility is quite straightforward: you can become a member if you meet certain criteria which you can explore further by visiting our website at http://www.mtcfederal.com/membership-agreement/ . Here, you'll find detailed information on how to qualify and enjoy all the benefits that come with being part of our community. Opening an account with us is simple and convenient. You can visit our branch located at 1785 New Cut Rd Spartanburg Sc 29303 or give us a call at (334) 983-2215 to learn more about the process. Our friendly team is ready to assist you every step of the way, ensuring that your experience is as smooth as possible. We can't wait to welcome you into the Mtc family!

Business Banking & Commercial Services

Commercial Loan Options

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 $19 in non-member commercial loans, providing flexible financing solutions. Whether you're looking to invest in equipment or enhance your cash flow, our loan options can make those goals achievable.

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify transactions and improve customer experience. Think about how convenient it would be for your customers to pay via credit or debit card at their fingertips. Our services ensure you can accept payments easily, allowing you to focus on what really matters growing your business. Come visit us at 1785 New Cut Rd Spartanburg Sc 29303 in Spartanburg, SC, or contact us at (334) 983-2215 to learn more about how we can support your business ambitions today!

Comprehensive List Of Services

ATM Services

For quick cash withdrawals or balance checks, take advantage of our ATM and cash withdrawal services available at our branch. We ensure basic ATM access so that you can easily get what you need when you need it. At Mtc, we strive to make banking accessible and straightforward for all members of our community. If you're ready to explore these services further or have any questions about how we can assist you, feel free to reach out at (334) 983-2215 or visit us online at Us3. Let us help you achieve your financial goals today!

Business Banking

If you're a business owner, you'll be pleased to know that we also cater to your needs with our business banking services. From merchant services to business loans, we have the tools you need to grow your enterprise.

Loans and Credit

We understand that sometimes life requires a little extra help. That's why we offer personal loans and debt consolidation options to assist you in managing unexpected expenses or streamlining your finances. Plus, our credit cards with rewards provide a fantastic way to earn benefits on your everyday purchases.

Online and Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. With easy access to check balances, transfer funds, and pay bills right from your smartphone or computer, banking has never been easier.

Personal Banking

Our personal banking services are designed to simplify your financial life. You can choose from various checking and savings accounts that suit your lifestyle, allowing you to manage your money effortlessly. For those considering a new vehicle, our auto loans and vehicle financing options make it easy to hit the road without breaking the bank. Additionally, if you're looking for homeownership opportunities, our mortgage loans and refinancing services can help you secure the best rates available.

Digital & Online Banking

Accessible Anytime

At Mtc, we believe in making banking accessible for everyone. Whether you're at home or out running errands, our services are designed for ease of use and real-time management of your accounts. From checking balances to setting up automatic payments, every feature is crafted with your convenience in mind. So why wait? Join us at Mtc today and experience the ease of digital banking that fits seamlessly into your lifestyle!

User-Friendly Features

We know security is a top concern for our members. That's why we provide electronic signature authorization for a smooth and secure way to sign documents online. You can also choose to receive e-statements, which not only help reduce paper clutter but also give you quick access to your financial information at any time. For those who prefer managing their finances from their smartphones, our mobile application makes banking even easier. You can perform all your essential banking tasks right from your device. While mobile payments are not available yet, our app keeps you connected and informed about your accounts wherever you are.

Financial Strength

Commitment to Growth

With $37,810,383 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 $3,138 in used auto loans and $169,084,378 in total loans and leases.

Member-Focused Savings

Members' savings are secured through $56,654,815 in share certificates and $64,576,856 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $499,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0. This ensures we can continue offering competitive loan rates and solid financial products for our members. We also take pride in having 78 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $38,007,671, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,350 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 34,863, 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, Mtc is your trusted partner. Visit us at 1785 New Cut Rd Spartanburg Sc 29303 or call (334) 983-2215 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $49,596,109 in used vehicle loans and $10,304,382 in new vehicle loans already helping members get on the road. We believe in making car ownership accessible and affordable for everyone.

Credit Lines

Our total credit lines amount to $85,740,250, allowing members to access funds when they need them most. This flexibility is crucial for managing unexpected expenses or consolidating debt. If you're interested in refinancing options or checking your eligibility for any of our products, please visit our website at Mtc Federal or check out our membership agreement here. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial future is important to us; let Mtc be your partner in achieving it!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $11,259,471, designed to help you secure the home of your dreams. With competitive rates and flexible terms, our mortgage specialists are ready to assist you every step of the way.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $18,917,717 in loans helping members manage their finances effectively. These cards come with various rewards and features that make spending easier while keeping your budget in check.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is dedicated to helping users make informed decisions when it comes to their borrowing needs. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means you can trust that the offers presented are based on the latest results (Source: https://www.ncua.gov ), providing fair and transparent options for borrowers. One of the key advantages of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring that users receive trustworthy information. Additionally, LendMesh does not prioritize lenders based on paid promotions this means there are no sponsored listings affecting your search results. The goal is to deliver unbiased outcomes, allowing you to choose what's best for your financial situation. Another important feature of LendMesh is its real-time rate comparisons. This up-to-date information from multiple institutions helps users stay informed about current market conditions and make educated decisions regarding their loans. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how valuable LendMesh can be in navigating the often complex world of loans. 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.

MTC FEDERAL CREDIT UNION