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Federally insured by the NCUA.  Equal Housing Lender. NCUA and Equal Housing Lender logos
NCUA and Equal Housing Lender logos
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Certificate Special!
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Start My BIG Returns Now

Your money works harder here.
Lock in a great rate today.

For a limited time, earn 4.06% APY* for 8-months on Special Certificates — exclusively at MTC Federal. The sooner you start, the sooner your savings grow. Do not wait – this is a limited time offer!

Start My BIG Returns Now

WHY CERTIFICATES ARE A SMART SAVING STRATEGY

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GUARANTEED GROWTH

Your rate is locked in for the term.

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LOW
RISK

Certificates are insured and safe.

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BETTER THAN A SAVINGS ACCOUNT

Higher returns, short commitment.

Learn More

Proud to serve the Upstate since 1976.

We’ve grown with this community and know what it means to work hard for your money. Our members are your neighbors, coworkers, and friends — all choosing MTC Federal for better rates, fewer fees, and personal service you can count on.

Your BIG Returns start here — but only for a short time. Call us at 800-442-7792 or simply fill out the contact form below to set a time to speak with a financial representative.

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Contact Us Now!

©2026 MTC Federal Credit Union. Federally Insured by the NCUA. Annual Percentage Yield (APY*) 4.06% APY* for 8-Months. Minimum Opening deposit for $500.00. Qualifying members with (a) reoccuring direct deposit present in the last 90 days, minimum of 5 financial transactions excluding dividend accrual in previous 90 day period, and open debit card attached to MTC Federal checking account or (b) a minimum total originated balance of $20,000 in active loans with MTC Federal or (c) minimum of $10,000 new money deposited from another financial institution. Subject to penalty for early withdrawal. All Credit Union rates, terms, and conditions are subject to change at any time and without notice. Other restrictions may apply.