5% High-Yield Checking*.

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.