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 Members Choice Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Members Choice Credit Union's 7 Month Jumbo Promotional CD rates are at 3.90%, 7 Month Promotional CD rates are at 3.90%, Business 7 Month Promotional CD rates are at 3.90%, Business CD Ladder-5 Month rates are at 3.90%, 5-10-15-20 month Business High Five CD Ladder rates are at 3.90%. Members Choice Credit Union's savings rates are at 0.05%. Members Choice Credit Union's money market rates are at 0.10%. Members Choice Credit Union's Adjustable-Rate 5/1 Loan rates are at 6.37%, FlexChoice Convertible 5/1 Loan rates are at 6.37%, Adjustable-Rate 7/1 Loan rates are at 6.67%, Conventional Fixed-Rate - 15-Year rates are at 6.62%, FlexChoice Convertible 7/1 Loan rates are at 6.75%. Members Choice Credit Union's Personal Loan Rates are as low as 8.24%. MonitorBankRates evaluates the financial stability of Members Choice Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.67%. Rates last updated and verified on 09/22/2026. Members Choice Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Members Choice Credit Union? Share your experience about Members Choice Credit Union by leaving a review below, or read customer reviews before you decide to use Members Choice Credit Union. Members Choice Credit Union
Corporate Office 18211 Katy Fwy
https://www.mccu.com Houston, TX 77094-1395 
Members Choice Credit Union CD Rates
Members Choice Credit Union Savings Rates
Members Choice Credit Union Money Market Rates
Members Choice Credit Union Checking Rates
Members Choice Credit Union Mortgage Rates
Members Choice Credit Union Home Equity & HELOC
Members Choice Credit Union Auto Loan Rates
Members Choice Credit Union RV, Boat and Powersport Loan Rates
Members Choice Credit Union Personal Loan Rates
Members Choice Credit Union Other Rates
Financial Health HistoryMembers Choice Credit Union’s Texas Ratio fell from 8.82% in Q2 2023 to 5.67% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Members Choice Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Members Choice Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Members Choice Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Choice Credit Union
Website
https://www.mccu.com
Address
18211 Katy Fwy,
Houston, TX 77094-1395
Phone
281-398-9900
Fax
281-398-9898
President
Johnny Williams
CEO
Luke Billeri
Full-Time Employees
120
Part-Time Employees
0
Branch Locations
8
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.67%
Return on Assets (ROA)
0.0415%
Return on Equity (ROE)
0.4994%
Non-Performing Loans Ratio (NPL)
0.67%
Total Assets
727,983,305
Total Amount of Shares and Deposits
583,375,636
Total Shares and Deposits < 1 Year
563,970,437
Total Shares and Deposits 1 3 Years
16,354,606
Total Shares and Deposits > 3 Years
3,050,592
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
55,433,267
Total Uninsured Shares and Deposits > $250K (F+J)
55,433,267
Total Insured Shares and Deposits > $250K (item 17 less item K)
527,942,369
Total Interest Expense (Sum of items 6 8)
2,869,080
Share Certificates
4,018
Number of Accounts for Share Drafts
29,031
IRA KEOGH Accounts
396
Number of Accounts for Regular Shares
50,703
Money Market Shares
1,408
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
28,256,964
Total Liabilities
676,315,152
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Members Choice Credit UnionHow many branches does Members Choice Credit Union operate?Members Choice Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Members Choice Credit Union?Yes, to access services at Members Choice Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Members Choice Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Members Choice Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Members Choice Credit Union offer online and mobile banking?Most modern institutions like Members Choice Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mccu.com. Current Members Choice Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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