MCT Credit Union invites its members to take advantage of their best reward checking account called Kasasa Cash. The credit union lets you earn an interest rate of 3.51% APY for balance up to $25,000. You can earn an interest rate of 0.25% APY for the portion of the deposits above $25,000. You can also refund your ATM fees of up to $25 when you meet the following requirements:

• make at least 10 debit card purchases at the point of sale
• setup at least 1 ACH automatic payment, one bill payment, or direct deposit
• subscribe to electronic bank statement

In case qualifications are not met, you will not be able to refund your ATM fees but you still get to earn their base interest rate of 0.13% APY. Aside from this, you still get unlimited check writing and free online banking. Best of all, this best checking account has no minimum balance requirement nor monthly service fee. Take note that this current checking account rate is subject to change anytime without prior notice.

Membership with MCT Credit Union is open to individuals who work or live in the counties of Orange, Jefferson, or Hardin. Family members are also eligible to join. You must first open a share savings account and then apply for membership. For inquiries with regard to field of membership or current interest rates you may call customer service line thru 800-846-1751.

The credit union has branches located in the cities of Lumberton, Nederland, Orange, Bridge City, and Port Neches in the state of Texas.

MCT Credit Union was established in 1953. Currently they have grew to have over $141 million in declared assets with 20,000 members. The credit union is also a member of the National Credit Union Association.