It's all about building a better tomorrow.

So much of the future is unpredictable. But some things are well within your control. Like making sure you and your family have the financial resources you'll need in the months or years to come. MTCU offers a variety of convenient ways to both save and grow your money. Choose an account with the features you need today and you'll be ready for whatever tomorrow brings your way.

Name of Account Account Features
Share Savings
This is the get-acquainted account for families in Midland, Texas, and beyond. By opening one, you become part of the MTCU family and enjoy full access to our wide range of financial services. .
  • $25 deposit to open
  • Earn dividends with $100 minimum balance
  • Free access to online and mobile banking tools
  • No monthly fees
  • Withdrawal Limitations Apply*
Kasasa® Saver
It's easy to make your money work harder. When you qualify for rewards with regular use of your MTCU debit card, you'll also receive a higher yield on your savings balance.
  • Pairs with Kasasa® Cash and Cash Back checking accounts
  • Earns higher yield once qualifications are met      
  • Base interest rate paid if you don't qualify for rewards
  • No monthly maintenance fee or minimum balance
  • Free access to online and mobile banking tools
Money Market
Here's an investment with no risk. With this high-yield account, deposits earn solid, predictable returns. Plus, you can access your money whenever you need it.
  • $2,500 minimum deposit
  • No fees with $2,500 minimum balance
  • Dividends computed daily and paid monthly
  • Withdrawal Limitations Apply*
Certificate of Deposit
We offer a broad menu of options. The longer you save, the more money you earn. And there's absolutely no risk of losing any of your initial investment.
  • High-yield investments with guaranteed returns
    Choose from terms ranging from 90 days to 5 years
  • Minimum deposit of $1,000
  • Rates updated weekly to reflect market conditions
  • Penalties may apply for early withdrawal
    CDs automatically renew upon maturity unless you specify otherwise 10 day grace period no penalty.
  • No partial withdrawals allowed 
  • No additional funds can be deposited
The years pass quickly. Now's the time to start saving for retirement. Individual Retirement Accounts help you feel comfortable about the future while offering attractive tax benefits.
  • Investment accounts provide income for your later years
  • Traditional and Roth IRAs available
  • Traditional IRA contributions are often tax deductible
  • Roth IRA withdrawals are tax-free
  • Dividends are paid monthly
  • Early withdrawals can be used for higher education costs
Special Savings

Put a little more sparkle in your family's Christmas. Or stow away cash that will let you take that cruise you've always dreamed of. Special accounts help you save for life's special moments.
  • Set up one or more accounts with specific goals
  • Schedule automatic deposits from your checking account
  • Use online banking tools to track your progress
  • Withdrawal Limitations Apply*
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Whether you put a priority on steady dividends or cash rewards, you simply can't go wrong with our Kasasa® checking accounts.

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*Account Limitations: For Regular Share/Special Tiered Savings, Money Market Share, and Kasasa Saver accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check,draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Rates are set by the Board of Directors and dividends are paid monthly from current income and available earnings, after required transfers to reserves at the end of a dividend period.