Welcome to MCT FCU

At MCT FCU, we're proud to serve Montgomery, Fulton, Saratoga, and Schoharie County with personalized, community-focused banking solutions. Whether you're looking to simplify your finances, find a low-rate credit card, or take your next financial step with confidence, we’re here to help.

We’ve been part of this community for generations, offering more than just accounts; we provide support, security, and genuine local service.

Explore Our Credit Card Options

Our low-rate credit card is built to give you control. Whether you're consolidating balances or planning a purchase, our card offers:

  • Competitive interest rates

  • No surprise fees

  • Easy online access

  • Support when you need it

As rates are subject to change, we recommend checking our current credit card rates here or contacting a representative for the most up-to-date information.

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See Our Current Rates
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Why Choose MCT FCU?

You have options, but when you bank with MCT FCU, you choose a team that is local and belongs in your community. We're not just another financial institution. We're your neighbors, your partners, and your advocates.

Here’s what sets us apart:

  • Low Rate Credit Cards: Keep more money in your wallet with a credit card designed to help you manage balances affordably. See current credit card rates.

  • Local Decision Making: Quick, personal responses from people who understand your community.

  • Full-Service Banking: Checking, savings, loans, and more — all tailored to your goals.

  • Secure Online & Mobile Banking: Convenient access to your accounts, wherever you are.

  • Community-Focused: We support local causes and invest in the people and programs that strengthen our neighborhoods.

Banking That Stays Close to Home

We’re proud to serve our four counties, offering convenient access to services, a helpful staff, and a commitment to treating every member with respect. From youth accounts to retirement planning, MCT FCU is here for every stage of life.

Join MCT FCU Today

Becoming a member is simple. If you live, work, worship, or attend school in Montgomery, Fulton, Saratoga, or Scoharie County, or are an immediate family member of a current member, you’re eligible to join. Let us help you get started with a financial institution that puts people first.

Need assistance opening an account or applying for a card? Our local team is available to assist you online, by phone, or in person.

Become a Member
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Start banking with MCT FCU, where community and service come first.