You may join MTEFCU if you…

Live, work, attend school or regularly conduct business in Houghton County or in Baraga Township of Baraga County. Although MTEFCU was established in 1952 at the Michigan Technological University, you do not have to be affiliated Michigan Tech University to become a member.

How to Join?

A $25.00 deposit is all that is required to open an MTEFCU savings account. The $25.00 is your “share” of the credit union and establishes you as a member and owner. You will also need a photocopy of a valid I.D. for each signer on the account, such as a driver’s license, social security card, birth certificate, passport, or military I.D.

Members of MTEFCU benefit from low interest rates on loans, the best credit card rates, low cost checking, free Online Banking/Online Bill Pay, Mobile Banking, and much more. Members are also encouraged to attend our Annual Meeting to vote for open seats on the volunteer Board of Directors. Questions and comments are encouraged at the meeting and anytime. As a member, you are much more than a dollar sign to MTEFCU!

Please stop by our Houghton location on Sharon Avenue for more information or to join. We have a helpful Switch Kit if you are making the switch from another financial institution.



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Current Rates
Vehicle Loans APR*
New Auto - 1.99%
Used Auto - 2.99%
New Recreational - 1.99%
Used Recreational -3.49%
Home Equity Loan APR*
60 Month - 4.75%
84 Month - 5.00%
120 Month - 5.50%
Share Certificates APY*
6 Month - 0.45%
12 Month - 0.60%
24 Month - 0.90%
*Rates listed represent our best rate and is based on credit history. Rates are subject to change. Contact MTEFCU for details.