Backpack of Benefits

Five Back-to-School Financial Essentials for the New School Year.

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Focus On Education. Not How To Pay For It.

When it comes to figuring out how much college will cost, tuition is just the beginning.

MTC Federal Credit Union provides smart options for school expenses that will let your mind rest easy.

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Free Checking: Help your teenager learn good money management skills with their own checking account! Youth members are eligible to open a Teen Checking account at age 13 with initial deposit of $10.


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Reliable Transportation: MTC Federal's Guaranteed Better Auto Loan Advantage™ makes it easy to afford the vehicle you want, with payments that leave you enough room in your budget to enjoy owning it.

Buying your first car? Let our Automotive Lending Experts customize your loan options to fit your needs on a student budget.

  • Lower Interest rate
  • Payment date
  • Term
  • Automatic payment
  • Payment amount
  • Up to 90 days to make your first payment

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Credit Card: Establish and build credit with a low rate.

  • Low Rates from 8.90%* APR up to 18% APR*.
  • No Annual Fee
  • No Balance Transfer Fees
  • Earns Loyalty Rewards with every $1 spent.
  • Digital wallet available:
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Member Perks: Receive exclusive discounts and benefits on products and services you use everyday, from cell phone plans to discount event tickets.


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24/7 Account Access via MTC Federal Mobile App: The MTC Federal Mobile app makes it easy to manage student accounts right from your mobile phone.

  • Check account balances
  • Apply for a loan
  • Pay Bills
  • Deposit checks quickly and securely
  • View transactions
  • Schedule an appointment
  • Locate MTC Federal Branches and ATMs
  • Set Touch ID login
  • Link to Apple Watch




To start your student on the path to Lifetime Membership use our quick enrollment link below!

Open Youth Membership

©2021 MTC Federal Credit Union. All rights reserved. Federally insured by the NCUA. Equal Housing Lender. *Annual Percentage Rate (APR) may vary depending on each individual’s credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply.