BECOME A MEMBER
A Better Way to Bank Starts Here.
Why settle for ordinary banking when you can have a financial partner that’s working hard for you.
Credit Union Banking
Why Make the Change?
Banking Built Around You.
Whether you’re opening your first checking account, buying a home, financing your next vehicle, or planning for what’s ahead, MTC Federal has the products, technology, and people to help you succeed.
We’re here to help you make smart financial decisions that provide traction for life’s journey. Get started today, speak with an expert at MTC Federal.
Checking Accounts
Earn More Every Day
Your checking account should do more than hold your money. It should work as hard as you do and at MTC Federal it does with 5% High-Yield or 5% Cashback checking options.
Choose the account that rewards the way YOU bank.
CHECKING THAT GIVES BACK.
It’s your money. Why settle for pennies from your bank when you can earn real money at MTC Federal.
High Yield Checking
Earn 5% APY* on qualifying balances.
Cash Back Checking
Earn 5% Cash Back* on qualifying debit card purchases.
Mobile Banking
Digital Banking & Credit Savvy for Financial Freedom
Manage your finances anytime, anywhere with powerful digital banking built for today’s lifestyle.
Digital FREE with every membership:
Credit Score Tracking
Credit Monitoring
Identity Monitoring
Financial Goal Setting
Mobile Deposit
Bill Pay
Card Controls
Real-Time Alerts
Loans & Credit
Financing Life's Biggest Moments
Whatever You’re Working Toward...
We’re here to help you get there. Our lending specialists can help with:
New or Used Auto Loans
Home Mortgages
First-Time Homebuyer Programs
Home Equity Lines of Credit
Personal Loans
Credit Cards
Watercraft Loan
Recreational Loans
Motorcycle Loans
ATV Loans
Competitive rates. Personal guidance.
A lending team is committed to helping you succeed.
More Than a Credit Union.
A Financial Partner.
Being a member means having someone in your corner. Someone who celebrates your successes. Someone who helps you through challenges. Someone who puts people before profits. That’s the MTC Federal Way.
For more than five decades we’ve helped thousands of hardworking people buy homes, finance vehicles, improve credit, build savings, and reach their financial goals. Now it’s your turn.
The Process
Making the Change Is Easy
Changing financial institutions doesn’t have to be complicated. We’ll help you:
Open your new account.
Move your direct deposit.
Transfer automatic payments.
Set up Digital Banking with FREE Credit Savvy.
Start enjoying everything MTC Federal has to offer.
Become a Member
Ready to Make the Change?
Complete the form below and one of our Member Specialists will answer your questions, help determine your eligibility, and guide you through the simple process of becoming an MTC Federal member. Let’s Make the Change Together — Become a Member Today.
COMMON QUESTIONS
Working Hard for Hardworking People
Membership is open to employees and contractors of MTC Federal preferred employee groups (PEGs), immediate family members of existing members, and residents in specific geographic regions—including Carter County, Oklahoma, and parts of Greenville, Anderson, and Pickens counties in South Carolina. Additionally, anyone outside these areas can become eligible by joining Friends of the Foundation through the Carolinas Credit Union Foundation. If you are unsure of your eligibility, call 800-442-7792 or submit an online account inquiry.
Joining is simple and can be completed online or at any local branch. Opening a Share Savings account with a $50 initial deposit officially establishes your membership and gives you immediate access to all financial products, high-yield accounts, and lower loan rates. You will need a government-issued photo ID (driver's license or passport), Social Security number, and basic proof of address to complete your application.
No. At MTC Federal Credit Union, "once a member, always a member". Once your Share Savings account is established, you and your family retain full access to membership benefits for life, regardless of where you move, work, or retire. You can continue managing your accounts seamlessly via Digital Banking and our mobile app.
Yes. Your deposits at MTC Federal Credit Union are federally insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. government. This offers the same level of federal protection as FDIC insurance at traditional commercial banks.
MTC Federal is a member-owned, non-profit financial cooperative rather than a profit-driven institution. Instead of paying dividends to stockholders, profits are returned directly to members through lower interest rates on auto and home loans, higher savings yields, lower fees, and access to complimentary financial tools like Credit Savvy credit monitoring.
Yes. Immediate family members and household members of living or deceased credit union members are eligible to join. This includes spouses, children, parents, grandparents, grandchildren, and siblings. Once they open an account, they also enjoy lifetime membership benefits.
MTC Federal operates physical branch locations across South Carolina (Greenville, Spartanburg, Pendleton, Lexington), Alabama (Midland City/Dothan), and Oklahoma (Ardmore). Members also enjoy fee-free access to over 30,000 nationwide ATMs, 24/7 Digital Banking, mobile check deposit, and telephone banking services.