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# Members Trust of the Southwest Federal Credit Union: Members Trust Federal Credit Union is a member-owned, not-for-profit financial cooperative serving Houston, Stephenville, and surrounding Texas communities. Since 1936, MTFCU has helped members with affordable banking solutions including savings accounts, checking accounts, auto loans, mortgage loans, personal loans, credit cards, online banking, mobile banking, mobile deposit, and bill pay. Guided by the philosophy of members helping members, Members Trust Federal Credit Union provides personalized service, competitive rates, and financial tools designed to help individuals and families reach their goals.

## Sitemaps
[XML Sitemap](https://www.mtfcu.coop/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Back-to-School Budget: 4 Smart Ways to Save on School Expenses](https://www.mtfcu.coop/back-to-school-budget/): As summer winds down, many families begin preparing for one of the busiest shopping seasons of the year—back-to-school. From backpacks and notebooks to laptops and extracurricular fees, the costs of a new school year can add up quickly. The good news is that a little back-to-school budget planning can go a long way.
- [2026 Mid-Year Financial Checkup for Texas Families](https://www.mtfcu.coop/2026-mid-year-financial-checkup-for-texas-families/): By the time July rolls around, many families find that the financial goals they set in January have shifted. Unexpected expenses, rising costs, vacations, and back-to-school spending can all impact your budget. That's why a mid-year financial checkup is one of the smartest ways to stay on track and make meaningful improvements before the end of 2026.
- [Summer Travel 2026: Affordable Getaways in Texas](https://www.mtfcu.coop/affordable-getaways-in-texas/): Summer is the perfect time to relax, explore, and make memories with family and friends, but travel costs can add up quickly. The good news? You don’t have to travel far to enjoy affordable getaways in Texas in 2026.
- [Budgeting for a Home: A Practical Guide for Home Buyers](https://www.mtfcu.coop/budgeting-for-a-home/): Buying a home is one of the biggest financial decisions you’ll ever make—and it all starts with realistically budgeting for a home. Whether you're budgeting for your first house or preparing for your next move, understanding how much you can afford (and what you’ll need upfront) is key to a smooth homebuying journey.
- [Parents’ Guide to Teach Kids About Money in 2026](https://www.mtfcu.coop/parents-guide-to-teach-kids-about-money-in-2026/): Parents don’t need formal classes to teach kids about money skills. Everyday activities can become powerful financial lessons. Try these simple at-home ideas:
- [Smartest Ways to Use Your Tax Refund in 2026](https://www.mtfcu.coop/smartest-ways-to-use-your-tax-refund-in-2026/): Before you book a trip or splurge on something new, consider these smart ways to use your tax refund in 2026.
- [Is 2026 a Good Year to Buy a Car? Rates, Trends & Local Guidance](https://www.mtfcu.coop/loan-rate-trends-local-guidance/): If you’re considering buying a car in 2026, you’re not alone. After a few years of fluctuating interest rates, changing vehicle prices, and tight inventory, many drivers across Houston and Stephenville are asking the same question about rate trends: Is now the right time to buy—or should I wait?
- [MTFCU Happenings](https://www.mtfcu.coop/mtfcu-happenings-2/): At Members Trust, we believe a credit union is more than a place to bank—it’s a partner in building stronger communities. Thanks to the support of our dedicated employees and loyal members, we’ve been able to make a real difference both inside and outside our branches. From volunteering at local events to supporting schools and community initiatives, the past quarter has been filled with moments that highlight the heart of who we are.
- [New Tax Savings Alert: Can You Deduct Your 2025 Auto Loan Interest?](https://www.mtfcu.coop/can-you-deduct-your-2025-auto-loan-interest/): How to Deduct Your 2025 Auto Loan Interest:
- [5 Holiday Fraud Prevention Tips](https://www.mtfcu.coop/5-holiday-fraud-prevention-tips/): At Members Trust, your financial safety is always our priority. To help you enjoy a stress-free season, we’ve rounded up five holiday fraud prevention tips you can use to protect yourself, your family, and your wallet.
- [6 Smart Ways to SAVE Money During the Holidays](https://www.mtfcu.coop/6-smart-ways-to-save-money-during-the-holidays/): With a little planning and a few intentional habits, you can enjoy all the joy of the season without stretching your budget too thin. Here are 6 smart ways to save money this holiday season—while keeping the magic alive.
- [Smarter Auto Protection: Why Members Trust Beats the Dealership](https://www.mtfcu.coop/smarter-auto-protection/): Buying a car is exciting—but it can also come with a barrage of add-on offers. From “extended warranties” to “gap protection,” dealerships often push optional auto protection that sounds like a good idea but comes with a hefty price tag.
- [What Our Members Are Saying: Count on Members Trust for Honest Advice](https://www.mtfcu.coop/honest-advice-from-your-credit-union/): Our members have a lot of great things to say about Members Trust Federal Credit Union, so each quarter, we highlight one member who wants to share the “good news” about Members Trust FCU.
- [MTFCU Happenings](https://www.mtfcu.coop/mtfcu-happenings/): At Members Trust, we believe a credit union is more than a place to bank—it’s a partner in building stronger communities. Thanks to the support of our dedicated employees and loyal members, we’ve been able to make a real difference both inside and outside our branches. From volunteering at local events to supporting schools and community initiatives, the past quarter has been filled with moments that highlight the heart of who we are.
- [Cybersecurity Awareness Month: 5 Tips to Keep Your Accounts and Identity Safe](https://www.mtfcu.coop/cybersecurity-awareness-month/): October is Cybersecurity Awareness Month, making it the perfect time to brush up on the latest financial scams and learn how to protect yourself. According to PEW Research, “73% of U.S. adults have experienced some kind of online scam or attack. Most get scam calls, texts, and emails at least weekly!” We’ve rounded up five of the most common scams we’re seeing in 2025—plus simple steps you can take to stay safe.
- [Drive Into Fall Savings: 6 Smart Car-Buying Tips & Exclusive Members Trust Loan Benefits](https://www.mtfcu.coop/drive-into-fall-savings-smart-car-buying-tips/): Here are some car-buying tips to make your end-of-year auto purchase the smartest yet, plus we’ve included some tips about how Members Trust can also help you save money!
- [Investing in the Future: Members Trust Awards Scholarships to Four Outstanding Students](https://www.mtfcu.coop/members-trust-scholarships-2025/): At Members Trust Federal Credit Union, we believe that education is one of the most powerful tools for shaping a brighter future. That’s why every year, we proudly award scholarships to deserving local students who demonstrate academic excellence, community involvement, and a drive to succeed. The Members Trust scholarships are more than just financial assistance — they’re an investment in the leaders, innovators, and problem-solvers of tomorrow.
- [Credit Card Tips: 6 Simple Steps to Boost Your Credit Score and Build Stronger Financial Habits](https://www.mtfcu.coop/credit-card-tips-how-to-boost-your-credit-score/): Whether you're just getting started or looking to improve your financial habits, these essential tips can help you learn how to boost your credit score and make the most of your credit cards.
- [What Our Members Are Saying: Members Trust is Very Easy to Work With](https://www.mtfcu.coop/members-trust-is-very-easy-to-work-with/): Our members have a lot of great things to say about Members Trust Federal Credit Union, and we want to share member testimonials from our valued members. Each quarter, we highlight one member who wants to share the “good news” about Members Trust FCU.
- [Preparing for Hurricane Season: A Guide for Southeast Texas Families](https://www.mtfcu.coop/preparing-for-hurricane-season/): As June 1st marks the start of hurricane season, families across Southeast Texas—especially around Houston—need to begin preparing for hurricane season. Hurricanes bring a powerful mix of high winds, heavy rainfall, flooding, and power outages. Hurricane preparedness not only keeps loved ones safe—it also strengthens financial resilience. Here’s your step-by-step guide.
- [Smart Financial Tips for Young Adults](https://www.mtfcu.coop/smart-financial-tips-for-young-adults/): At Members Trust, we believe financial education is key to long-term success. That’s why we’ve put together these essential financial tips for young adults—to help you feel confident, avoid common pitfalls, and set yourself up for a secure future.
- [6 Smart Ways to Save on Back-to-School Shopping](https://www.mtfcu.coop/6-ways-to-save-on-back-to-school-shopping/): At Members Trust, we understand how important it is to balance your family’s needs with your budget and find ways to save money. That’s why we’ve put together practical ways to help you save on back-to-school shopping this year without cutting corners on what your student needs.
- [Members Trust Happenings this Quarter](https://www.mtfcu.coop/members-trust-happenings-this-quarter/): Annual Meeting
- [4 Reasons an Education Line of Credit from Members Trust is a Smart Choice](https://www.mtfcu.coop/education-line-of-credit-is-a-smart-choice/): Paying for college is one of the biggest financial challenges many students and families will face, but it doesn’t have to be overwhelming. After scholarships, grants, and federal aid, many families still find themselves needing extra support to cover the full cost of tuition, housing, books, and other essentials. That’s where a private student loan solution like an education line of credit from Members Trust can make the difference.
- [Emergency Fund: The why and how?](https://www.mtfcu.coop/emergency-fund-the-why-and-how/): An emergency fund should be one of those items automatically built into your monthly plan. Stuff goes wrong in life. Cars break down. People get sick. You may lose your job. These all create stress and financial hardships. So, it makes sense to build up a rainy day or emergency fund to protect against these hits to your budget.
- [Shield Your Assets: 3 Important Fraud Prevention Tips](https://www.mtfcu.coop/shield-your-assets-important-fraud-prevention-tips/): Here are three real-world examples of scams that have impacted our members and some fraud prevention tips that could help you protect yourself from fraud.
- [Don’t Tax My Credit Union: 3 Important Reasons this Tax Exemption Matters to You](https://www.mtfcu.coop/dont-tax-my-credit-union/): Credit unions are under threat.
- [Debt Happens: Debt Consolidation Loans from MTFCU](https://www.mtfcu.coop/debt-happens-debt-consolidation-loans-from-mtfcu/): Anyone who has multiple high-rate loans and credit cards knows just how difficult (and expensive) it can be to recover. Take control of your high-interest loans and credit cards with debt consolidation loans from MTFCU!
- [What Our Members Are Saying: It’s Easy Banking with MTFCU](https://www.mtfcu.coop/its-easy-banking-with-mtfcu/): Be like Mrs. Alcantar – Contact us to submit your member testimonial. We’re ready to help you and your family achieve your financial goals and show you why it's easy banking at Members Trust.
- [Building Stronger Community Connections](https://www.mtfcu.coop/building-stronger-community-connections/): At Members Trust, we believe in more than just financial services—we believe in building stronger community that is more connected. Through our latest events and initiatives, we’re making a meaningful impact by supporting local causes, hosting educational workshops, and bringing people together. Whether it’s sponsoring charitable events, engaging in volunteer efforts, or providing financial literacy programs, our commitment to serving our members and neighbors remains at the heart of everything we do. Here’s a look at how we’ve been living out our mission of building stronger community connections!
- [Convenient Construction Loans Make Your Dream Home a Reality!](https://www.mtfcu.coop/construction-loans-for-your-dream-home/): Building a home from the ground up is an exciting journey, but it requires careful planning and financial support. Whether you're constructing your dream home or tackling a major renovation, a construction loan can provide the necessary funds to bring your vision to life. At Members Trust, we offer tailored construction loan solutions designed to meet your needs, making the process smooth and stress-free.
- [Why an IRA is an Excellent Choice for Your Financial Future](https://www.mtfcu.coop/why-ira-is-excellent-choice-for-financial-future/): When planning for retirement, one of the most effective strategies is investing in an Individual Retirement Account (IRA). IRAs offer numerous benefits, including tax advantages, long-term growth potential, and the ability to diversify your savings.
- [5 Home Improvements with the Best ROI](https://www.mtfcu.coop/5-home-improvements-with-the-best-roi/): Now is a great time to invest in home improvements with the best ROI. These will not only enhance your daily living but also increase your home’s value. Whether you focus on small upgrades or major renovations, these strategic improvements can help ensure you get the best return on your investment.
- [Academic Scholarships: Unlock Your Potential](https://www.mtfcu.coop/academic-scholarships-unlock-your-potential/): Higher education is an incredible investment in your future, but the cost of college can often feel overwhelming. Tuition, books, and living expenses can add up quickly, leaving many students and their families searching for ways to manage these financial demands. Thankfully, academic scholarships ease the financial burden while rewarding students for their hard work and achievements.
- [What Our Members Are Saying: Personal Relationships Matter](https://www.mtfcu.coop/what-our-members-are-saying-personal-relationships-matter/): Our members have a lot of great things to say about Members Trust Federal Credit Union and we want to share member testimonials from our valued members. Each quarter, we highlight one member who wants to share the “good news” about Members Trust FCU.
- [Save More in 2025: Here are 5 Tips to Reach Your Savings Goals](https://www.mtfcu.coop/5-tips-to-save-more-in-2025/): Saving money is the key to a secure financial future, and if you’re like millions of others, you are always looking for tips to save more. However, the reality is that you may struggle to make ends meet, much less be able to put away money for an emergency or even your retirement. In fact, according to Bankrate’s 2024 Annual Emergency Savings Report, nearly 59% of U.S. adults are uncomfortable with their level of emergency savings.
- [6 Tips for Financial Wellness](https://www.mtfcu.coop/6-tips-for-financial-wellness/): By focusing on these financial wellness tips, you can create a solid foundation for a healthier financial future. Every step you take in January can set the tone for a financially secure year. 
- [6 Tips to Ring in the New Year with Better Financial Health](https://www.mtfcu.coop/6-tips-for-better-financial-health-in-2025/): While the days leading up to New Year’s Eve are often spent reflecting on the year gone by, the last few days of the year are a great time to make plans for the New Year. Personal health goals like weight loss, healthy eating, and exercise are almost always at the top of the list, but, what about our financial health? The New Year is a perfect opportunity to take a look at our personal finances and set healthy financial goals for the year.
- [Benefits and Risks of Buy Now Pay Later](https://www.mtfcu.coop/benefits-and-risks-of-buy-now-pay-later/): Older consumers probably remember the layaway plans of days past. The new twist is “buy now pay later” (BNPL) repackaged for instant gratification. BNPL services let you make your purchase and take your items home while you pay for them over time.
- [What Our Members Are Saying: Great CD Rates!](https://www.mtfcu.coop/what-our-members-are-saying-great-cd-rates/): Discover what members are saying about great rates on CDs and savings at Members Trust of the Southwest Federal Credit Union.
- [6 Ways Seniors Can Spot Scammers](https://www.mtfcu.coop/6-ways-seniors-can-spot-scammers/): People are most vulnerable and let their guard down when they are grieving. If you get a phone call from someone claiming to be from a government agency or a company that the deceased did business with, and they ask for personal information like your Social Security number, credit card number, or bank account number, do not give them any information. These are all common tricks to avoid where scammers try to get the deceased’s personal information so they can steal their identity or their money.
- [Why Be a Member](https://www.mtfcu.coop/why-be-a-member/): On Thursday, October 17, 2024, we will gather together as a global movement to celebrate International Credit Union Day® (ICU Day) under the theme: One World Through Cooperative Finance. At a time in our history when we seem increasingly divided, we choose to use this day to show how our movement brings people closer together through democratic, member-owned financial institutions that put people over profit.
- [Car Dealerships and the Extras](https://www.mtfcu.coop/car-dealerships-and-the-extras/): Let’s face it – buying a car can be stressful and time-consuming. You may think the work is done once you’ve found your vehicle and negotiated a good price but not so fast. You’ll need to visit the F&I office (finance and insurance) next and that’s where things get more difficult!
- [5 Financial Tips for Fall](https://www.mtfcu.coop/5-financial-tips-for-fall/): Fall is right around the corner and before the busy holiday season kicks into high gear, it’s a good time to check in on your finances. There are several financial moves you can make before the end of the year to make sure you are set up for success come January 2025.
- [Get the Best Deal on Your Next Vehicle](https://www.mtfcu.coop/get-the-best-deal-on-your-next-vehicle/): Getting a new vehicle isn’t as simple as going to a single dealership on the weekend, picking one off the lot, and driving home. There’s no getting around the fact that buying a car is a large financial commitment so it’s important to do your homework and shop around to get the best deal on your next vehicle.
- [What the CrowdStrike Outage Taught Us About Disaster Recovery](https://www.mtfcu.coop/what-can-we-learn-from-the-crowdstrike-outage/): The CrowdStrike outage in July was a stark reminder that the internet and a lot of the online services we rely on are very complex and delicate. After CrowdStrike pushed out a software update to all of its clients – including healthcare systems, airlines, banks, and the federal government – it ended up crashing systems worldwide!
- [The Importance of Choosing the Right Lender](https://www.mtfcu.coop/the-importance-of-choosing-the-right-lender/): Given the expense of vehicles, especially brand-new models, it’s often necessary to get a credit union car loan to cover the costs. Fortunately, there are multiple places to go for a car loan but not all are created equal. Choosing the right lender, such as the best credit union for car loans, can make a big difference in the loan that you get and how much you pay in the long run.
- [Budgeting for Your Dream Home](https://www.mtfcu.coop/budgeting-for-your-dream-home/): Dreaming of buying a new home? Budgeting for your dream home can seem like an overwhelming task. Whether it’s your first or one of many home purchases, it’s a big deal with a big price tag. According to a 2023 report, homes have become “unaffordable” for the average American. However, your dream of homeownership isn’t impossible. We’ve got 7 tips to help you find out how much home you can afford.
- [8 Ways to Save Money on Medical Expenses](https://www.mtfcu.coop/how-to-save-money-on-medical-expenses/): Medical bills can be a source of financial stress and anxiety, especially when they pile up. There are some things you can do to prevent or ease the financial burden of medical bills. Read on for 8 tips to save money on medical expenses.
- [Members Trust Can Help Fill College Funding Gaps](https://www.mtfcu.coop/members-trust-can-help-fill-college-funding-gaps-2/): College is a big investment, and when it comes to college funding, it’s important to know your options, plan ahead, and choose wisely to pay for it. Most families do not have enough college savings to pay for four years of tuition, room, board, books, and other expenses. Members Trust can help you plan and bridge the funding gap!
- [Say Hello to Checking Accounts With Rewards](https://www.mtfcu.coop/say-hello-to-rewards/): Checking Accounts WITH Rewards? Our already great checking accounts just got a FREE upgrade. Now you’ll earn reward points for all of your everyday debit card purchases!
- [WHAT OUR MEMBERS ARE SAYING](https://www.mtfcu.coop/what-our-members-are-saying-2/): Our members have a lot of great things to say about Members Trust Federal Credit Union and we want to share that with you. Each quarter, we will highlight one member who wants to share the “good news” about Members Trust FCU.
- [Let’s All Do Our Part to Prevent Fraud!](https://www.mtfcu.coop/lets-all-do-our-part-to-prevent-fraud/): We all must be on guard to protect our personal information and prevent fraud. Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. Your personal information can be stolen in several different ways including scams posing as a legitimate businessperson, financial institution, or government official.
- [You’re Invited to our Annual Meeting!](https://www.mtfcu.coop/youre-invited-3/): When you opened your account at Members Trust, you became an owner. At the annual meeting, you have a vote to elect our volunteer Board of Directors. You also get to hear about the accomplishments from last year and the upcoming plans for the year. The credit union’s Annual Meeting is just one of the things that make credit unions so different from banks.
- [A Checking Account that Makes the Grade](https://www.mtfcu.coop/a-checking-account-that-makes-the-grade/): A checking account is your go-to account for managing day-to-day spending. Your checking account is where you'll deposit money from student loans, part-time jobs, or gifts from family members! It's also where you'll pay your bills, buy textbooks, get coffee, or treat yourself to a night out.
- [8 Tips for First Time Home Buyers](https://www.mtfcu.coop/tips-for-first-time-home-buyers/): Being first time home buyers is exciting — and a little scary — to think about. Even when you know you’re ready to buy a house, you might not be sure where to begin.
- [Insurance Options – Your Financial Safety Net](https://www.mtfcu.coop/insurance-your-financial-safety-net/): Insurance isn’t just about planning for life’s worst-case scenarios. Insurance is your financial plan’s safety net – having the right insurance options at the right amount protects you and your family from unforeseen events and provides a baseline financial cushion.
- [How Much Do You Need for Retirement?](https://www.mtfcu.coop/how-much-do-you-need-for-retirement/): Retirement planning can be overwhelming and challenging. The biggest question most people ask is, “How much do I need for retirement?” Unfortunately, there isn’t an easy answer because there are so many variables – the lifestyle you want in retirement, your longevity, the return on your investments, etc.
- [WHAT OUR MEMBERS ARE SAYING](https://www.mtfcu.coop/what-our-members-are-saying/): Our members have a lot of great things to say about Members Trust Federal Credit Union and we want to share that with you. Each quarter, we will highlight one member who wants to share the “good news” about Members Trust FCU.
- [Scholarships Available!](https://www.mtfcu.coop/scholarships-available-2/): Let’s face it – going to college is expensive! The average debt for a college graduate is $29,900. But, did you know that over 1.7 million scholarships are awarded annually? Scholarships can cover tuition fees, housing expenses, textbooks, and other academic costs. Scholarships can be need-based or merit-based depending on the organization providing them.
- [4 Easy Tips to Consolidate Debt](https://www.mtfcu.coop/4-tips-to-consolidate-debt/): Studies show that 70% of Americans are stressed over money and look for tips to consolidate debt.**
- [6 Year-End Must-Dos](https://www.mtfcu.coop/6-year-end-must-dos/): I know what you’re thinking – who has time during the holiday season to think about financial planning when you already have a long list of “to dos” like gifts to buy, cookies to bake, elaborate meals to cook, decorating, and on and on? But the end of the year is one of the most important times to carve out just a few hours to make sure you’re set up for success and ready for the New Year.
- [‘Tis the Season for Giving](https://www.mtfcu.coop/tis-the-season-for-giving/): December is the season for giving to your favorite charity. While many of us make donations out of the goodness of our hearts, it is nice to know that there may be a tax benefit, as well. You want to make sure your donation counts, so make sure to do your homework before you select a charitable organization to support.
- [Affordable Peace of Mind Protection](https://www.mtfcu.coop/affordable-peace-of-mind-protection/): Aside from buying a home, a car is probably the second-most expensive purchase you will ever make and most of us only do this every 5 – 10 years.
- [Plan for a Happy Holiday Season](https://www.mtfcu.coop/plan-for-a-happy-holiday-season/): The most wonderful time of the year can very quickly become the most stressful time of the year if you haven’t planned ahead. A little planning can go a long way to avoid panic and stress during the busy holiday travel season. Control the things you can and pack your patience for the things that are out of your control.
- [Celebrate International Credit Union Day](https://www.mtfcu.coop/celebrate-international-credit-union-day/): On October 19, 2023, Members Trust will join over 56,000 credit unions around the world to celebrate International Credit Union (ICU) Day®. This year marks the 75th anniversary of International Credit Union Day®
- [Change in Leadership](https://www.mtfcu.coop/change-in-leadership/): From Brian C. Gilbert:
- [Get the Best Deal on a Vehicle in 2023](https://www.mtfcu.coop/get-the-best-deal-on-a-vehicle-in-2023/): Historically, the end of the year is a good time to buy a car; however, with ongoing chip shortage and subsequent vehicle shortage, prices have hit record highs on both new and used autos. The average price for a used car was $28,381 in the first quarter of 2023, according to Edmunds. And, according to Car and Driver, the average price of a new auto is over $48,000! Inventory is improving but you’re still likely to face high prices from either dealer-added accessories (non-negotiable) or market adjustments.
- [The Perks of Setting Financial Goals](https://www.mtfcu.coop/the-perks-of-setting-financial-goals/): The credit union movement began with a simple idea – that people could achieve a better standard of living for themselves and others by pooling their savings and making loans to neighbors and co-workers.
- [6 Credit Card Tips You Should Know](https://www.mtfcu.coop/6-credit-card-tips-you-should-know/): We can probably all agree – credit cards are a convenient and sometimes rewarding way to make purchases but they do need to be handled with care.
- [The Value and Variety of Insurance](https://www.mtfcu.coop/the-value-and-variety-of-insurance/): Insurance is part of a solid financial plan. From finding a policy that fits your budget to making sure your coverage is adequate, dependable insurance can help give you peace of mind today and financial relief when you need it.
- [Federal Direct PLUS vs. Private Loans](https://www.mtfcu.coop/federal-direct-plus-vs-private-loans/): If you’ve exhausted scholarships, grants, and Federal Direct Loans to cover college costs and are still left with funding gaps, you might be considering Federal Direct PLUS or private student loans. There are some key differences between the two loan types that are important to understand.
- [Tough Times Lead to Increasing Scams](https://www.mtfcu.coop/tough-times-lead-to-increasing-scams/): Studies show that increasing financial pressures are directly tied to an increase in fraud. You know the saying, “desperate times call for desperate measures” so would-be fraudsters are more inclined to take the risk and rationalize their bad behavior during tough times.
- [Used Autos Are a Great Option](https://www.mtfcu.coop/used-autos-are-a-great-option/): It seems like finding a new vehicle at a reasonable price is nearly impossible. Because car manufacturers are catering to a full luxury market, new autos are downright expensive! Now’s a good time to consider the used auto market, where prices are falling consistently from pandemic highs. Kelley Blue Book reports that the average price of used cars sold market-wide fell to $26,510 in January 2023, down $633 from December 2022.*
- [Insuring Your Money Over $250,000](https://www.mtfcu.coop/insuring-your-money-over-250000/): In light of recent bank failures, we thought it would be a good time to remind members that their money is safe at Members Trust. In addition to the strength of Members Trust, your funds are protected by the National Credit Union Administration or NCUA. NCUA operates and manages the National Credit Union Share Insurance Fund (NCUSIF), which insures the accounts of millions of credit union members.
- [What is a Credit Union Annual Meeting?](https://www.mtfcu.coop/whats-a-credit-union-annual-meeting/): If you are a member of a credit union, each year you receive an invitation to attend the Annual Meeting, but have you ever wondered what is a Credit Union Annual Meeting? Maybe it’s the name that makes it sound boring but when you understand why it’s so special, you’ll realize that you play an important role.
- [April is National Credit Union Youth Month](https://www.mtfcu.coop/april-is-national-credit-union-youth-month/): April is National Credit Union Youth Month! Financial education is crucial, and we want to help you teach your children about the importance of being responsible with money and saving for the future.
- [Is a Big Tax Refund Bad?](https://www.mtfcu.coop/big-refund-good-or-bad/): Most of us hate the hassle of filing our taxes, but we love to get a tax refund. Approximately 75% of Americans got a tax refund in 2022 and the average refund was $4,123 for Texas residents!* But, is a big tax refund bad?
- [Take Control of Your Student Loan Repayment](https://www.mtfcu.coop/take-control-of-your-student-loan-repayment/): Are you juggling multiple costly student loan payments every month? Let Members Trust help you take control of your debt with our student loan refinance solution!
- [Academic Scholarships Available](https://www.mtfcu.coop/academic-scholarships-available/): If you or someone you know is heading off to college in the fall, we encourage you to find and apply for as many scholarships as you can – it’s free money for school. Scholarships are gifts that don’t need to be repaid and they are readily available. If you are willing to spend a little time searching and applying, you could save thousands of dollars!
- [Is It a Good Time to Buy a Used Car?](https://www.mtfcu.coop/is-it-a-good-time-to-buy-a-used-car/): Trying to buy a used vehicle over the past couple of years has been challenging. Higher costs and lower inventory due to new-vehicle production disruptions were among the reasons why used cars weren’t representing as much of a value to the consumer as they had previously.
- [2022 State of the Credit Union](https://www.mtfcu.coop/2022-state-of-the-credit-union/): Welcome to 2023. We have had a lot of uncertainty over the last couple of years and this year does not look like we are going to have a reprieve from the uncertainty. The future is always a bit murky.
- [Get Financially Fit in 2023](https://www.mtfcu.coop/get-financially-fit-in-2023/): A new year means a fresh start. Even if you set goals and missed the mark last year, you can start again. Many of us set goals to get fit – physically fit. Some spend a lot of time and money planning meals, paying for gym memberships and personal trainers, all with the hopes of losing weight and getting in shape.
- [What is GAP it and how does it work?](https://www.mtfcu.coop/gap-what-is-it-and-how-does-it-work/): If you’ve ever financed a new vehicle, you may have heard about something called GAP coverage. But what is GAP, and why does it matter?
- [Is Student Loan Refinance Right for Me?](https://www.mtfcu.coop/is-student-loan-refinance-right-for-me/): Student loan refinance may seem complicated, so we’ve broken down what to expect in five basic steps to student loan refinance.
- [Holiday Shopping: 13 Black Friday & Cyber Monday Safety Tips ](https://www.mtfcu.coop/black-friday-and-cyber-monday-safety-tips/): The Thanksgiving holiday weekend, starting with Black Friday is one of the busiest times of the year for holiday shopping. During this busy time, we all get distracted which makes it easy for criminals to take advantage. Avoid having your holiday fun spoiled by keeping both these Black Friday safety tips and Cyber Monday safety tips in mind as you shop in person or online.
- [Take it easy with a Holiday Skip-a-Payment](https://www.mtfcu.coop/relax-with-a-holiday-skip/): Skip-a-payment allows members to skip a monthly loan payment, penalty-free, during a tight financial season. A lot of financial institutions offer this option during the holidays and summer months. Let’s take a look to see if it’s a viable option for your situation.
- [Empower Your Financial Future with a Credit Union™](https://www.mtfcu.coop/empower-your-financial-future-with-a-credit-union/): Thursday, October 20th is International Credit Union Day – a day we celebrate the spirit of the global credit union movement. Today we reflect upon the credit union movement's history, promote its achievements, recognize hard work, and share member experiences. International Credit Union (ICU) Day® has been celebrated on the third Thursday of October since 1948.
- [5 Tips to Build Your Savings](https://www.mtfcu.coop/tips-to-build-your-savings/): Today is National Savings Day so it’s a great time to start gather tips to build your savings account. Think about your saving (and spending) habits and make some notes on what you can do to improve if you’re not saving enough. Our relationship with money is important because it affects just about every decision we make.
- [How Much House Can I Afford?](https://www.mtfcu.coop/how-much-house-can-i-afford/): Buying a house is a huge life milestone that comes with a lot of emotions, and you probably wonder, "How much house can I afford?" Most of us only buy a few homes in our lifetime so it’s not something we are completely familiar with. That’s why it’s important to work with trusted professionals to provide guidance and expertise.
- [FILING THE FAFSA? Join Our Free Webinar](https://www.mtfcu.coop/filing-the-fafsa-join-our-free-webinar/): The FAFSA is the most important tool available to finance your education, and while the term may be familiar, some don't know what it means. What does FAFSA stand for? It stands for the Free Application for Federal Student Aid.
- [To Buy or Not to Buy?](https://www.mtfcu.coop/to-buy-or-not-to-buy/): Brian C. Gilbert | President/CEO
- [Pro Tips to Combat Inflation](https://www.mtfcu.coop/pro-tips-to-combat-inflation/): Inflation is a silent budget killer. It causes everything to go up, from your groceries to your gas, as the purchasing power of your money decreases. During a good year, it cuts your buying power by 2% to 3%. But it’s hitting especially hard this year because the U.S. annual inflation rate is 9.1% for the 12 months ended June 2022, a level we haven’t seen in 40 years.
- [Members Trust Can Help Fill College Funding Gaps](https://www.mtfcu.coop/members-trust-can-help-fill-college-funding-gaps/): College is a big investment, which is why it’s important to know your options, plan ahead, and choose wisely to pay for it. Most families do not have enough college savings to pay for four years of tuition, room, board, books, and other expenses, so financial aid will come into play. Members Trust can help you plan, and help you bridge the college funding gaps! We recommend you follow these three steps to fund your college education:
- [Personal Loans vs. Credit cards](https://www.mtfcu.coop/personal-loans-vs-credit-cards/): When you need to borrow, you might think about applying for a personal loan or credit card depending on your financial situation. Both options help you get the money you need but under very different terms. When it comes to personal loans vs credit cards, a personal loan is a better option for high ticket items while credit cards are ideal for short-term and small expenses. Depending on your financial goals and situation, one might be a better option than the other.
- [8 Summer Travel Safety Tips](https://www.mtfcu.coop/8-summer-travel-safety-tips/): We’re all excited to hit the road to take to the open skies for an awesome summer vacation. No matter where you go, travel can be an exciting, eye-opening experience. It’s easy to get caught up in the thrill of adventure so keep these travel safety tips in mind while you’re gone this summer.
- [5 Reasons for Life Insurance](https://www.mtfcu.coop/5-reasons-for-life-insurance/): Most of us need life insurance at some point in our lives but it’s something that often gets pushed to the back burner on our “to do” lists. Although not very exciting, life insurance is designed to provide your family with financial security in the event of your death.
- [5 Credit Card Tips You Should Know](https://www.mtfcu.coop/5-credit-card-tips-you-should-know/): With inflation rising and our out-of-pocket expenses going up, everyone’s trying to make smart financial decisions. Here are 5 tips when it comes to your credit cards to help make the most of your money.
- [Why Your Next Auto Loan Should Be From Us](https://www.mtfcu.coop/why-your-next-auto-loan-should-be-from-us/): If you’re in the market for a new or used vehicle, you may not be thinking about the loan until you’re ready to buy. Getting pre-approved through Members Trust, before visiting the dealership, might feel like an extra step; however, it can be advantageous to you!
- [Simplify Your Student Loan Refinance](https://www.mtfcu.coop/simplify-your-student-loan-refinance/): Refinancing your federal and/or private student loans, including PLUS, can be a great way to consolidate multiple loans into a single payment, and potentially save money in the long run – but every student loan situation is unique. Here are some things to consider before deciding if you should refinance.

## Pages
- [About The TruStage Cybersecurity Incident](https://www.mtfcu.coop/about-the-trustage-cybersecurity-incident/): TruStage recently announced that it identified a cybersecurity incident affecting its technology environment. As part of its response, the company proactively took many of its systems offline while it investigates the incident with the assistance of outside cybersecurity experts. At this time, the investigation is ongoing, and TruStage continues to work toward restoring services safely.
- [Cheers to 90 Years](https://www.mtfcu.coop/cheers-to-90-years/): For 90 years, Members Trust has proudly served our members and communities - and we're celebrating all month long!
- [Say Yes to Summer Fun](https://www.mtfcu.coop/say-yes-to-summer-fun/): Whether you're upgrading your ride or finally getting that road-trip-ready vehicle, we offer competitive rates and flexible terms.
- [Financial Peace of Mind with Debt Protection](https://www.mtfcu.coop/financial-peace-with-debt-protection/): Life is full of surprises - and not all of them are easy to manage. That's why Members Trust Federal Credit Union now offers Debt Protection, designed to help you stay financially secure when life takes an unexpected turn.
- [90 Years Strong — And Still Putting Members First](https://www.mtfcu.coop/90-years-strong/): This year, Members Trust Federal Credit Union proudly celebrates 90 years of serving our members, our communities, and generations of families who have trusted us with their financial journeys.
- [$90 Youth Checking Match in April](https://www.mtfcu.coop/youth-checking-match/): Teaching kids smart money habits early can make a lifetime difference. As we celebrate our 90th anniversary, we're helping young savers get started strong.
- [Debt Protection with Life Plus](https://www.mtfcu.coop/products-services/services/debt-protection/): Debt Protection Your family means everything to you. And if the unexpected happens, you don't want an emotionally trying situation to be compounded by financial worry. That's why there's Debt Protection, which may cancel your loan balance or payments up to the contract maximums in case of: • Involuntary unemployment - a covered job loss occurs• Disability - a covered disability occurs due to illness or injury• Death - protected borrower passes away
- [2026 = Simplify Payments & Save Money](https://www.mtfcu.coop/simplify-payments-save-money/): Refinancing private and/or federal student loans could be a smart move if:
- [Checking that Pays Dividends – Literally!](https://www.mtfcu.coop/checking-that-pays-dividends/): What if your everyday checking account did more than just hold your money? Step up to Dividend Checking from Members Trust and start earning - even while you spend. With Dividend Checking, you get full flexibility - instant issue, reward debit card, unlimited checks, mobile banking, bill pay - and dividend-earning power when your average balance stays at $1,000 or more.
- [Mobile & Online Banking](https://www.mtfcu.coop/mobile-online-banking/): The Members Trust Mobile App and Online Banking are robust solutions for managing your finances 24/7. Features include:
- [Rev Up Your Savings](https://www.mtfcu.coop/rev-up-your-savings/): Save money with great rates and flexible terms. Plus, get affordable peace of mind by adding GAP and Extended Warranty protection.
- [Construction Loans](https://www.mtfcu.coop/products-services/consumer/construction-loans/): These construction loans offer a short-term, fixed-rate construction period of 12 months.
- [Instant Issue Cards](https://www.mtfcu.coop/instant-issue-cards/): Gone are the days of waiting for your new or replacement debit or credit card to arrive in the mail. Now you can stop by a branch and instantly receive your new card!  
- [Refinance Your Student Loans](https://www.mtfcu.coop/refi-your-student-loans/): Take control of your repayments through the student loan refinance option offered by Members Trust Federal Credit Union. Refinance and consolidate your federal and private student loans (including PLUS loans) into one manageable loan. This means you can set up one convenient payment with a low interest rate.1 Our refinance option allows you to simplify and better manage your financial obligations. 
- [6 Tips for Your Financial Wellness](https://www.mtfcu.coop/6-tips-for-financial-wellness/): By focusing on these financial wellness tips, you can create a solid foundation for a healthier financial future. Every step you take in January can set the tone for a financially secure year. 
- [Secure Your Financial Future](https://www.mtfcu.coop/secure-your-financial-future/): Saving money is crucial for both your short-term financial security and long-term retirement planning so we make it easy to save with automatic deposits into a selected savings account.  
- [Simplify & Save](https://www.mtfcu.coop/simplify-save/): A Members Trust debt consolidation personal loan offers many advantages, especially for members juggling multiple debts.
- [Business Services](https://www.mtfcu.coop/products-services/business/business-services/): At GOAT Payments, our mission is to address and resolve the fragmented challenges that startups and small businesses face when setting up their payment systems.
- [Proof of Insurance](https://www.mtfcu.coop/products-services/services/proof-of-insurance/): ATTENTION - If you received an email or a letter asking you to update your proof of insurance with Members Trust - THIS IS NOT A SCAM.
- [Holiday Rewards](https://www.mtfcu.coop/holiday-rewards/): Turn every swipe for holiday purchases into rewards for you with free merchandise, travel, or credit back to you!
- [Auto Protection](https://www.mtfcu.coop/products-services/auto-protection/): Why pay for an asset you no longer own? Protect it with GAP.
- [Insurance Protection](https://www.mtfcu.coop/products-services/insurance-protection/): Insurance protection should be an important part of a solid financial plan. The key is finding coverage that fits your needs from someone trustworthy-because the right insurance could help give you peace of mind.
- [Mortgage Lending](https://www.mtfcu.coop/mortgage-lending/): We are pleased to offer our members a variety of Mortgage Loan options including in-house mortgage loans and financing through our mortgage lending partner:
- [Consumer Loans](https://www.mtfcu.coop/consumer-loans/): Taking control of your finances should be simple, stress-free, and tailored to your unique needs. This is why we've designed our consumer loans to be a flexible and straightforward solution that puts you in the driver's seat. Whether you're managing unexpected expenses, consolidating debt, or making your dream purchases, our goal is to create a borrowing experience that works for you.
- [Welcome Tarleton Students](https://www.mtfcu.coop/welcome-tarleton-students/): Why Should Tarleton Students Join Members Trust FCU? 
- [Mortgages](https://www.mtfcu.coop/products-services/consumer/mortgages/): A Members Trust Federal Credit Union Mortgage Loan gives you peace of mind, knowing that you're working with individuals who are ready to help you navigate the home buying process. Whether you're building a new home, found the perfect pre-owned home, or you are refinancing to save money, Members Trust is ready to help.
- [Update Your Ride](https://www.mtfcu.coop/auto-loans-update-your-ride/): Benefits of a Members Trust Federal Credit Union Auto Loan:
- [Career Opportunities](https://www.mtfcu.coop/career-opportunities/): Member Service Representative/Credit Card Coordinator
- [Student Loans](https://www.mtfcu.coop/products-services/consumer/student-loans/):  You must be a member of MTFCU to access our credit union student loans. Become a member by depositing $5 into a Share Account. This modest deposit will be held for as long as you remain an MTFCU member, allowing you to take advantage of all of our affordable products and services.
- [Pay Your Members Trust Loan](https://www.mtfcu.coop/products-services/services/payyourloan/): Make a payment from an account at another financial institution or via debit card.Please allow up to 2 business days for the payment to post to your account. Note: This payment portal will NOT accept any Visa credit card payment. Cards thatwill be accepted are Visa debit, Mastercard debit, and Discover debit.
- [MTFCU Stephenville Branch](https://www.mtfcu.coop/mtfcu-stephenville-branch/): The Members Trust Federal Credit Union (MTFCU) Stephenville Branch is conveniently located at 2311 Robert J Glasgow Loop, TX 76401.
- [MTFCU Houston Branch](https://www.mtfcu.coop/mtfcu-houston-branch/): The Members Trust Federal Credit Union (MTFCU) Houston Branch is conveniently located at 2315 Mangum Road Houston TX 77092 just Southwest of Highway 290 and Loop 610 interchange.
- [Refer MTFCU](https://www.mtfcu.coop/refer-mtfcu/): You know the value of being a member of Members Trust FCU. We love our members and pride ourselves on providing top-notch service combined with affordable financial solutions. Now you can share these benefits with your friends and family. And you and your friend both get rewarded when you bring in new members who open a new checking account or get a loan at Members Trust.
- [Switch Kit](https://www.mtfcu.coop/switch-kit/): That's why we're making it as easy as possible to switch with our new Free Switch Kit. Just follow our simple steps, use our fillable forms, and print. We'll even help you complete all the forms once we open your new Members Trust Checking Account.
- [Review](https://www.mtfcu.coop/review/): Thank you for your loyal membership. We take pride in providing the highest level of service to our members and we are always looking for ways to improve. So, we appreciate your feedback. Please take a moment to post a review about us on one of these sites. Facebook Google Yelp Thank You! Your Members Trust Team
- [Terms Of Use](https://www.mtfcu.coop/terms-of-use/): Website Terms of UseThe Members Trust of the Southwest Federal Credit Union (MTFCU) Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Members Trust of the Southwest Federal Credit Union Web Site constitutes your agreement to all such terms, conditions, and notices.
- [Privacy Policy](https://www.mtfcu.coop/privacy-policy/): The purpose of this notice is comply with existing federal and state laws with respect to the privacy and security of member's nonpublic personal information. We are required by law to provide you the privacy notice that follows. If you have any questions, please feel free to contact us at our branch location closest to you or at 1-800-683-6455.
- [Site Map](https://www.mtfcu.coop/site-map/): $90 Youth Checking Match in April
2026 = Simplify Payments & Save Money
6 Tips for Your Financial Wellness
90 Years Strong — And Still Putting Members First
About The TruStage Cybersecurity Incident
Career Opportunities
Checking that Pays Dividends – Literally!
Cheers to 90 Years
Financial Peace of Mind with Debt Protection
Instant Issue Cards
Mobile & Online Banking
MTFCU Houston Branch
MTFCU Stephenville Branch
Privacy Policy
Refer MTFCU
Referral Email Preview
Refinance Your Student Loans
Rev Up Your Savings
Review
Say Yes to Summer Fun
Secure Your Financial Future
Simplify & Save
Switch Kit
Terms Of Use
Test
Consumer Loans
Home
Products & Services Auto Protection Consumer Construction Loans Savings Checking Super Saver Money Market Certificates IRA’s Student Club Accounts Student Loans Auto Loans Personal Loans Mortgages Recreational Vehicles Home Equity Home Improvement Loans Deposit Secured Loans Credit Card Consumer Bill Pay Debit Card Insurance Protection Business Business Savings Business Services Business Checking Member Business Loans Business Credit Card Business Debit Card Business Bill Pay Mobile & Online Banking Mobile Deposit eStatements Services Debt Protection with Life Plus Pay Your Members Trust Loan Proof of Insurance Wires/Electronic Transfers Shared Branching Televoice Safe Deposit Boxes Calculators Loan Calculator Savings Calculator Mortgage Calculator Retirement Calculator Commercial Loan Calculator Useful Links Become a Member Apply Now Why Choose Us? Eligibility Frequently Asked Questions Rates & Fees Forms/Applications/Disclosures Holiday Rewards
Mortgage Lending
Welcome Tarleton Students
News Newsletter and Reports About Our History Community Involvement Management/Board of Directors Contact LOCATIONS & ATMS Update Your Ride
- [LOCATIONS & ATMS](https://www.mtfcu.coop/contact/locations-atms/): 2315 Mangum RdHouston, TX 77092
- [Commercial Loan Calculator](https://www.mtfcu.coop/products-services/services/calculators/commercial-loan-calculator/): Use this calculator to estimate your debt service coverage with a new commercial loan. If your debt service coverage is greater than 1.25, including your new loan payment, you have a good chance of being approved.
- [Savings Calculator](https://www.mtfcu.coop/products-services/services/calculators/savings-calculator/): Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you.
- [Retirement Calculator](https://www.mtfcu.coop/products-services/services/calculators/retirement-calculator/): Do you know what it takes to work towards a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social Security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your Social Security benefits up to, but not over, the maximum.
- [Mortgage Calculator](https://www.mtfcu.coop/products-services/services/calculators/mortgage-calculator/): Use this mortgage calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the "View Report" button for a full yearly or monthly amortization schedule.
- [Loan Calculator](https://www.mtfcu.coop/products-services/services/calculators/loan-calculator/): Use this calculator to look at a variety of possible loans. Change your monthly payment, loan amount, interest rate or term. Press the "View Report" button to see a complete amortization schedule, either by month or by year.
- [Contact](https://www.mtfcu.coop/contact/): Get Directions
- [Management/Board of Directors](https://www.mtfcu.coop/about/managementboard-of-directors/): Management Team Liliana Burasi Canga - President/CEO
Dennis Y'Barbo - CTO
Jeff Forsgren - CLO
Jeannie Vincent - VP of Accounting
Melissa Bogan - HR Manager
Lori Montoya - Branch Manager Stephenville Board of Directors Kevin Kleb - Chairman
Jorgen Jorgensen - Vice Chairman
James Harle - Secretary & Treasurer
Kyle Masters - Board Member
Glenn Jiral - Board Member
Brandon McDonald - Board Member
Reeves Burdick - Board Member Supervisory Committee Tim Wells - Supervisory Committee Chairman
Todd Mcevoy - Committee Member
Ricky Thurman - Committee Member
 
- [Community Involvement](https://www.mtfcu.coop/about/community-involvement/): Volunteerism and community involvement are at the core of the credit union movement and philosophy and Members Trust Federal Credit Union is proud to support the communities in which we operate. We are committed to serving our community by providing affordable financial solutions to our members, while also actively working to promote worthwhile causes, sponsor local events, and have a positive impact on both Stephenville and the Houston Heights.
- [Our History](https://www.mtfcu.coop/about/our-history/): Houston Milk Producers Federal Credit Union was chartered in 1936 to serve dairy farmers in Harris County, Texas, which at the time numbered approximately 440. The area served (otherwise known as the "milk shed") grew to include areas in far east Texas, to the west out to LaGrange and Brenham, and to the north up to Navasota and Madisonville. At that time, the milk marketing cooperative was called the South Texas Milk Producers Association.
- [About](https://www.mtfcu.coop/about/): Members Trust Federal Credit Union has a long history of serving our members and our communities since 1936. We are proud of our history and look forward to serving you and your family for years to come.
- [Newsletter and Reports](https://www.mtfcu.coop/news/newsletter-and-reports/): Memberline Reports Third Quarter 2026
Second Quarter 2026
First Quarter 2026
Fourth Quarter 2025
Third Quarter 2025
Second Quarter 2025
First Quarter 2025 Auto Talk Newsletters Auto Talk Summer 2026
Auto Talk Spring 2026
Auto Talk Winter 2026
Auto Talk Fall 2025
Auto Talk Summer 2025
Auto Talk Spring 2025 Annual Reports 2025
2024
2023
2022
2021
2020 Financial Highlights  
June 2026
June 2025 Members
8,912
 8,675 Loans
$223,557,335
 $190,239,117 Deposits
$250,616,465
 $233,063,994 Assets
$273,672,548
 $249,793,606 Capital
$20,717,342
 $15,516,534
- [Forms/Applications/Disclosures](https://www.mtfcu.coop/become-a-member/formsapplicationsdisclosures/): Electronic Services Request
- [Rates & Fees](https://www.mtfcu.coop/become-a-member/rates-fees/): For your convenience, we have pulled together our current Deposit Rates, Loan Rates, and Fee Schedule that Members Trust offers credit union members. We regularly update this Rates & Fees page whenever a change in rates or fees occurs. If you have any questions regarding the Members Trust rates & fees, please contact us - we'd be glad to assist you!
- [Frequently Asked Questions](https://www.mtfcu.coop/become-a-member/frequently-asked-questions/): Interested in becoming a member of Members Trust Federal Credit Union? APPLY NOW
- [Eligibility](https://www.mtfcu.coop/become-a-member/eligibility/): To become a member, we ask that you deposit $5.00 into a Share Account which is held for as long as you remain a Members Trust Federal Credit Union member and meet the membership eligibility requirements as listed below.
- [Why Choose Us?](https://www.mtfcu.coop/become-a-member/why-choose-us/): Houston Milk Producers Federal Credit Union was chartered in 1936 so that the dairy farmers in Harris County, Texas, would have a place to save and borrow at affordable interest rates. We are proud of our foundation, our relationship with each of our members and the growth that we've achieved with their support. In 2000, Houston Milk Producers Federal Credit Union changed our name to Members Trust of the Southwest Federal Credit Union,  in order to more accurately reflect our diversified and growing field of membership.
- [Apply Now](https://www.mtfcu.coop/become-a-member/apply-now/): Interested in becoming a member of Members Trust Federal Credit Union? Just fill out the form below and we will contact you to get started!
- [Become a Member](https://www.mtfcu.coop/become-a-member/): You may be eligible to join Members Trust Federal Credit Union in Houston or Stephenville, Texas if you meet membership requirements based on employment, affiliation, or community eligibility.
- [Useful Links](https://www.mtfcu.coop/products-services/services/useful-links/): Sprint's Credit Union Discounts MyMoney.gov Financial Education and Resources Annual Credit Report TurboTax and Members Trust Team Up for Taxes Share Insurance Estimator
- [Calculators](https://www.mtfcu.coop/products-services/services/calculators/): When you're in the market for a loan, loan calculators are vital financing tools designed to help you navigate the complexities of borrowing. Whether you're comparing offers on loans or trying to determine your potential monthly payments, these easy-to-use tools are here to assist. By inputting your desired loan amount, adjusting for varying interest rates, and considering your credit history, you'll gain insights into how much you'll need to pay back. Online loan calculators serve as an essential aspect of personal banking, allowing you to simulate different loan scenarios without commitment.
- [Safe Deposit Boxes](https://www.mtfcu.coop/products-services/services/safe-deposit-boxes/): Our safe deposit boxes are the ideal place to store all of your important papers and valuables. The safe deposit boxes are located at our Stephenville Branch and are available in four convenient sizes, based on your specific needs. *Starting January 1st, 2025 our Safe Deposit Box fees will increase. Members who have an Advantage Plus account can receive a 50% discount on the annual rental*
- [Televoice](https://www.mtfcu.coop/products-services/services/cu-by-phone/): CU By Phone is our FREE telephone account access system that gives you 24-hour access to your account information, anywhere you have telephone access.
- [Shared Branching](https://www.mtfcu.coop/products-services/services/shared-branching/): Although Members Trust has two convenient locations to serve you, we know that wide-spread branch access is important to you so we've joined the Co-Op Shared Branching network. Shared branching provides members:
- [Wires/Electronic Transfers](https://www.mtfcu.coop/products-services/services/wireselectronic-transfers/): If you want to save time, simplify deposits and payments and reduce errors, then you may want to utilize our ACH Transfer option. ACH is simply electronic transfers from one account to another. Common uses include:
- [Services](https://www.mtfcu.coop/products-services/services/): If you're looking for a full-service financial institution, you're in the right place. Not only does Members Trust Federal Credit Union offer savings, checking, and loan accounts but we want to make sure that you have convenient access to a variety of other financial services.
- [eStatements](https://www.mtfcu.coop/products-services/mobile-online-banking/estatements/): Help us go green by going paperless! With eStatements you will receive your statement online. You will receive an email within a day or two of the end of the month or quarter, letting you know your eStatement is ready for viewing. You must log into HomeCU to review the eStatement. eStatements are safe, secure, and free! By saving money on paper and printing, we can pass those savings onto you - our member owners.
- [Mobile Deposit](https://www.mtfcu.coop/products-services/mobile-online-banking/mobile-deposit/): With Mobile Deposit, you have the flexibility and convenience of depositing a check into your Members Trust Federal Credit Union account wherever and whenever it is most convenient for you. Mobile Check Deposit is FREE and available to qualified Members via your Mobile App for iPhone and Android devices, plus it's as easy to use as your phone's camera. Just sign, snap, and submit, and you can deposit checks from anywhere!
- [Mobile & Online Banking](https://www.mtfcu.coop/products-services/mobile-online-banking/): Everyone is busy and short on time so it's great when you can handle your routine financial transactions quickly and easily, giving you more time for the things you enjoy. With HomeCU online banking, mobile access, mobile deposit and eStatements from Members Trust Federal Credit Union, you can get all of your banking done at your convenience.
- [Business Bill Pay](https://www.mtfcu.coop/products-services/business/business-bill-pay/): Business Bill Pay is quicker and easier than ever before. You no longer have to write and mail paper checks! This fast and convenient service offered by Members Trust Federal Credit Union will help you stay on top of your finances.
- [Business Debit Card](https://www.mtfcu.coop/products-services/business/business-debit-card/): A Members Trust Federal Credit Union Debit Card provides the convenience of cash with the protection of a credit card. Our Debit Cards let you quickly make purchases, and easily track your transactions. You can also use your Debit Card to get cash at hundreds of FREE ATMs. 
- [Business Credit Card](https://www.mtfcu.coop/products-services/business/business-credit-card/): A Members Trust Business Credit Card is a convenient and affordable way to make your shopping, entertainment, and travel purchases. Take advantage of the security and reliability that comes with a Members Trust Credit Card that boasts:
- [Member Business Loans](https://www.mtfcu.coop/products-services/business/member-business-loans/): Your business matters. That’s why Members Trust Federal Credit Union is ready to stand behind you and assist you with all of your business lending needs. We will work together to help you grow your business and reach your goals.
- [Business Checking](https://www.mtfcu.coop/products-services/business/business-checking/): At Members Trust, you aren’t “just another person.” We know that your business needs are unique so we’ve got a variety of checking accounts tailored to meet your specific needs.
- [Business Savings](https://www.mtfcu.coop/products-services/business/business-savings/): A Members Trust Federal Credit Union savings account is the ideal account to save for short and long term business goals. With a variety of different savings accounts, we offer you the best saving options whether you’re just starting out, growing your business or are looking for a better way to save, we have an account to meet your needs. We pay competitive dividend rates where the more you save, the more you earn.
- [Business](https://www.mtfcu.coop/products-services/business/): You have your personal accounts with us so why not consider Members Trust Federal Credit Union for your business needs, as well. Maybe you have a small startup, a growing corporation, or sole proprietorship - whatever the stage of your business, we're here to provide you with the services and resources you need to help your business grow and prosper.
- [Consumer Bill Pay](https://www.mtfcu.coop/products-services/consumer/consumer-bill-pay/): Bill Pay is quicker and easier than ever before. You no longer have to write and mail paper checks! This fast and convenient service offered by Members Trust Federal Credit Union will help you stay on top of your finances.
- [Debit Card](https://www.mtfcu.coop/products-services/consumer/debit-card/): A Members Trust Federal Credit Union Debit Card provides the convenience of cash with the protection of a credit card. Our Debit Cards let you quickly make purchases, easily track your transactions and dispute purchases, if needed. You can also use your Debit Card to get cash, at hundreds of FREE ATMs.
- [Credit Card](https://www.mtfcu.coop/products-services/consumer/credit-card/): A Members Trust Credit Card is a convenient and affordable way to make your shopping, entertainment, and travel purchases. Take advantage of the security and reliability that comes with a Members Trust Federal Credit Card that boasts:
- [Deposit Secured Loans](https://www.mtfcu.coop/products-services/consumer/deposit-secured-loans/): A Deposit Secured Loan is a loan secured against balances in your Members Trust account - typically share savings or share certificate of deposit accounts are used. Deposit Secured Loans are perfect for members who:
- [Home Improvement Loans](https://www.mtfcu.coop/products-services/consumer/home-improvement-loans/): Houston Area Stephenville Area
- [Home Equity](https://www.mtfcu.coop/products-services/consumer/home-equity/): A home equity loan can help you finance a major purchase or consolidate debt. If you're looking to consolidate your bills, undergo a major home improvement project, fund your child's college tuition, or even plan the wedding of your dreams, Members Trust Federal Credit Union can help you put your home's value to work for you.
- [Recreational Vehicles](https://www.mtfcu.coop/products-services/consumer/recreational-vehicles/): No matter how you move - by boat, RV, four-wheeler, or even jet-ski - Members Trust Federal Credit Union has the recreational vehicle loan for you.
- [Personal Loans](https://www.mtfcu.coop/products-services/consumer/personal-loans/): There are many instances when you might need a personal loan. Maybe you want to launch a new business venture, pay for college expenses, consolidate existing debt or take a much needed vacation. Whatever the reason, a Personal Loan from Members Trust can help you achieve your personal goals, without sacrificing your financial goals.
- [Auto Loans](https://www.mtfcu.coop/products-services/consumer/auto-loans/): Save money with great rates and flexible terms. Plus, get affordable peace of mind by adding GAP and Extended Warranty protection.
- [Student Club Accounts](https://www.mtfcu.coop/products-services/consumer/student-loan-accounts/): Money management is something that we believe should start early. Members Trust Federal Credit Union offers a wide range of savings and money market accounts designed to help you reach your short and long term financial goals. Our Student Accounts can help you manage your cash conveniently, efficiently, and effectively and most can be opened with as little as $5.
- [IRA’s](https://www.mtfcu.coop/products-services/consumer/iras/): Invest in your future. An Individual Retirement Account (IRA) provides either a tax-deferred or tax-free way to save for your retirement. Don't wait until it is too late - plan for your future with a Members Trust Federal Credit Union IRA. There is no contribution too small and you can contribute on your own schedule.
- [Certificates](https://www.mtfcu.coop/products-services/consumer/certificates/): Tired of big bank certificate rates that earn you next to nothing? Try the alternative solution with Members Trust. Here you’ll see the returns that you deserve.
- [Super Saver Money Market](https://www.mtfcu.coop/products-services/consumer/super-saver-money-market/): With this savings account, you’ll earn a higher rate of return than a regular savings account, which will help you build your savings faster. You can also set up automatic deposits so you can add money easily.
- [Checking](https://www.mtfcu.coop/products-services/consumer/checking/): At Members Trust Federal Credit Union, you aren't "just another person." We know that all our members' financial needs are different. Members Trust offers an assortment of checking accounts tailored to meet your specific needs. Become a member and open a checking account that fits your needs today
- [Savings](https://www.mtfcu.coop/products-services/consumer/savings/): A Members Trust savings account is the ideal account to save for short and long term goals. We offer the best saving options whether you’re just starting out, saving for a child’s future, or simply looking for a better way to save. We pay a competitive dividend rates where the more you save, the more you earn.
- [Consumer](https://www.mtfcu.coop/products-services/consumer/): Members Trust Federal Credit Union is ready and willing to help you achieve your financial goals and make your dreams a reality! We have a wide-variety of savings, checking, and loan options with a product or service that's just right for you!
- [Products & Services](https://www.mtfcu.coop/products-services/): Since 1936, Members Trust Federal Credit Union has been dedicated to the philosophy of "members helping members." Our goal is to provide all member-owners with quality financial services based on sound business practices and deliver these services in a professional, efficient and friendly manner.
- [News](https://www.mtfcu.coop/news/)
- [Home](https://www.mtfcu.coop/)

## Templates
- [Supervisory Committee](https://www.mtfcu.coop/fl-builder-template/supervisory-committee/)
- [Board of Directors Photos](https://www.mtfcu.coop/fl-builder-template/board-of-directors-photos/): Board Member
- [Management Team Photos](https://www.mtfcu.coop/fl-builder-template/management-team-photos/): Branch Manager Stephenville
- [Rates and fees accordion](https://www.mtfcu.coop/fl-builder-template/rates-and-fees-accordion/)
- [Copy of apply for a loan button](https://www.mtfcu.coop/fl-builder-template/apply-for-a-loan-button-copy/)
- [apply for a loan button](https://www.mtfcu.coop/fl-builder-template/apply-for-a-loan-button/)
- [start app today buttons](https://www.mtfcu.coop/fl-builder-template/start-app-today-buttons/)
- [start app today](https://www.mtfcu.coop/fl-builder-template/start-app-today/)
- [Lost/Stolen Debit Card](https://www.mtfcu.coop/fl-builder-template/loststolen-debit-card/): CALL US as soon as possible to capture your card and help prevent fraudulent charges!
- [lost/stolen credit card](https://www.mtfcu.coop/fl-builder-template/loststolen-credit-card/): Lost or stolen credit card? Click here!
- [Visa page template](https://www.mtfcu.coop/fl-builder-template/visa-page-template/)
- [Card template](https://www.mtfcu.coop/fl-builder-template/card-template/): A Members Trust MasterCard is a convenient and affordable way to make your shopping, entertainment, and travel purchases. Take advantage of the security and reliability that comes with a Members Trust Federal Credit Union MasterCard. Our MasterCard boasts:
- [subpage template](https://www.mtfcu.coop/fl-builder-template/subpage-template/)
- [Parent Page template](https://www.mtfcu.coop/fl-builder-template/parent-page-template/)