M. C. T. Federal Credit Union

Social
  • +1

A short history of M. C. T. FCU

Since its inception in 1960 the M. C. T. Federal Credit Union has been serving its members in the AMSTERDAM, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by PATTY MACEK, the M. C. T. FCU has grown its membership to over 3,832 with assets of more than $54,204,358. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (518) 842-1840 or email them at memberservices@mct-fcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in AMSTERDAM, NY.

General Information For M. C. T. FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 13766
Address 39 MARKET ST 
City AMSTERDAM 
State New York 
Zip-Code 12010
Phone Number (518) 842-1840
Fax Number (518) 842-3955
Email Address: memberservices@mct-fcu.org
CEO/President PATTY MACEK
Members 3,832 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 54,204,358 
Website http://mct-fcu.org 

Compare M. C. T. Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Upstate Telco CU Main Branch 137 Harrison St 12078 (518) 773-6548 No 10.90
First Choice Financial CU Wal-Mart Branch Office 329 S Kingsboro Ave 12078 (518) 725-4413 No 10.96
Price Chopper Employees CU Price Chopper EFCU 404 Princetown Rd 12306 (518) 355-8280 No 14.09
Stratton Air National Guard CU 1 air national guard rd 1 air national guard rd 12302 (518) 372-1254 No 14.20
City Of Schenectady Employees CU MAIN OFFICE 105 Jay St Rm 1 12305 (518) 346-3007 No 14.53

M. C. T. Federal Credit Union Financial Performance Charts


Performance Charts

Website Image

Financial Data


M. C. T. Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 2.10 2.20 3.88 3.45
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 41 33 119 51
Rank Among All New York Credit Unions 41 15 13 39 17

M. C. T. Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 N/A 0.35 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 N/A 293 N/A
Rank Among All New York Credit Unions N/A 34 N/A 77 N/A
M. C. T. Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900196184,431
All Other Unsecured Loans/Lines of Credit 8.4507071,569,990
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.10039555,846
Used Vehicle Loans 2.2001301,170,361
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.880562,421,995
Total Other Real Estate Loans/Lines of Credit 3.45020461,369
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.00023230,579
TOTAL LOANS & LEASES 1,1716,594,571

M. C. T. Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 12894,62500
    b. 15 Years or less 341,141,237130,000
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 10386,133130,000

OTHER REAL ESTATE

Closed-End Fixed Rate 14297,815246,500
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 6163,55400
Open-End Fixed Rate 0000
TOTALS 762,883,3644106,500

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

M. C. T. Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes