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Members Choice Credit Union Rates & Review November 2026

Q: What are the current interest rates at Members Choice Credit Union?

Current rates for Members Choice Credit Union include: 12-Month CD: 2.90%, 18-Month CD: 3.00%, 24-Month CD: 3.00%, 60-Month CD: 2.50%, Savings: 3.00%, MMA: 3.00%

Q: What CD terms does Members Choice Credit Union offer?

Members Choice Credit Union CD rates are 4.00% APY for a 7 month CD, 3.75% APY for a 10 month CD, 2.90% APY for a 12 month CD, 4.00% APY for a 14 month CD, 3.51% APY for a 15 month CD, 3.00% APY for an 18 month CD, 3.90% APY for a 20 month CD, 3.00% APY for a 2 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Members Choice Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Members Choice Credit Union's 14 Month Promotional CD rates are at 4.00%, 7 Month Promotional CD rates are at 4.00%, 5-10-15-20 month High Five CD Ladder rates are at 3.90%, High Five CD Ladder - 10 Month rates are at 3.75%, High Five CD Ladder - 15 Month rates are at 3.51%. Members Choice Credit Union's savings rates are at 3.00%. Members Choice Credit Union's money market rates are at 3.00%. Members Choice Credit Union's checking rates are as high as 4.07%. Members Choice Credit Union's Adjustable-Rate Mortgage 5/1 rates are at 6.37%, FlexChoice Convertible 5/1 Loan rates are at 6.37%, Conventional Fixed-Rate - 15-Year rates are at 6.49%, Adjustable-Rate Mortgage 7/1 rates are at 6.67%, FlexChoice Convertible 7/1 Loan rates are at 6.75%. Members Choice Credit Union's Personal Loan Rates are as low as 8.24%. Members Choice Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A health rating. 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 7.07%. Rates last updated and verified on 10/30/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.07%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Members Choice Credit Union
Corporate Office

18211 Katy Fwy
Houston, TX 77094-1395

https://www.mccu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Members Choice Credit Union CD Rates

Product	Rate	APY	Term
14 Month Jumbo Promotional CD	3.93%	4.00%	14 Month
Min Balance $100,000 Details Jumbo Certificates of Deposit ($100,000 and above) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
14 Month Promotional CD	3.93%	4.00%	14 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
14-Month Promo CD	-	4.00%	14-Month
Min Deposit $500 Details Limited Time 7- and 14-Month Promo CDs; Only $500 minimum to open; Open Online, by Phone, or at a Branch Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
7 Month Jumbo Promotional CD	3.93%	4.00%	7 Month
Min Balance $100,000 Details Jumbo Certificates of Deposit ($100,000 and above) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
7 Month Promotional CD	3.93%	4.00%	7 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99; Only $500 minimum to open Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
7-Month Promo Rate CD	-	4.00%	7-Month
Min Deposit $500 Details Limited Time 7- and 14-Month Promo CDs; Only $500 minimum to open; Open Online, by Phone, or at a Branch Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Limited Time 7-Mo Promo CD - 7 Month Promotional CD	-	4.00%	7 Month
Min Deposit $500 Details Open Online, by Phone, or at a Branch Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 19, 20264.00%▲ from 3.90% Oct 19, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
5-10-15-20 month High Five CD Ladder	-	3.90%	5-10-15-20 Months
Min Deposit $2,000 Details Up to 3.90% APY; Only $2,000 minimum to open; Open by phone or at a branch; Contact Us to Open a CD Ladder Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High Five CD Ladder - 10 Month	3.69%	3.75%	10 Month
Min Deposit $2,000 Details Minimum $2,000 to open; Open by Phone or at a Branch Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High Five CD Ladder - 15 Month	3.45%	3.51%	15 Month
Min Deposit $2,000 Details Minimum $2,000 to open; Open by Phone or at a Branch Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High Five CD Ladder - 20 Month	3.45%	3.51%	20 Month
Min Deposit $2,000 Details Minimum $2,000 to open; Open by Phone or at a Branch Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
18 Month CD	2.96%	3.00%	18 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
18 Month Jumbo CD	2.96%	3.00%	18 Month
Min Balance $100,000 Details Jumbo Certificates of Deposit ($100,000 and above) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
18 Month Standard IRA CD	2.96%	3.00%	18 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Individual Retirement Account (IRA) Certificates of Deposit Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
24 Month CD	2.96%	3.00%	24 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
24 Month Jumbo CD	2.96%	3.00%	24 Month
Min Balance $100,000 Details Jumbo Certificates of Deposit ($100,000 and above) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
24 Month Standard IRA CD	2.96%	3.00%	24 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Individual Retirement Account (IRA) Certificates of Deposit Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
36 Month CD	2.96%	3.00%	36 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
36 Month Jumbo CD	2.96%	3.00%	36 Month
Min Balance $100,000 Details Jumbo Certificates of Deposit ($100,000 and above) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
36 Month Standard IRA CD	2.96%	3.00%	36 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Individual Retirement Account (IRA) Certificates of Deposit Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
12 Month CD	2.86%	2.90%	12 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
12 Month Jumbo CD	2.86%	2.90%	12 Month
Min Balance $100,000 Details Jumbo Certificates of Deposit ($100,000 and above) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
12 Month Standard IRA CD	2.86%	2.90%	12 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Individual Retirement Account (IRA) Certificates of Deposit Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
6 Month CD	2.86%	2.90%	6 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
6 Month Jumbo CD	2.86%	2.90%	6 Month
Min Balance $100,000 Details Jumbo Certificates of Deposit ($100,000 and above) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
6 Month Standard IRA CD	2.86%	2.90%	6 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Individual Retirement Account (IRA) Certificates of Deposit Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
48 Month CD	2.72%	2.75%	48 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
48 Month Jumbo CD	2.72%	2.75%	48 Month
Min Balance $100,000 Details Jumbo Certificates of Deposit ($100,000 and above) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
48 Month Standard IRA CD	2.72%	2.75%	48 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Individual Retirement Account (IRA) Certificates of Deposit Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
60 Month CD	2.47%	2.50%	60 Month
Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
60 Month Jumbo CD	2.47%	2.50%	60 Month
Min Balance $100,000 Details Jumbo Certificates of Deposit ($100,000 and above) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
60 Month Standard IRA CD	2.47%	2.50%	60 months
Min Balance $500 Details Balance: $500.00 - $99,999.99; Individual Retirement Account (IRA) Certificates of Deposit Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings Account	2.96%	3.00%
Min Balance $0 Details Balance: $0.01 - $24,999.99; Qualifying balance up to $24,999.99; Earn high-yield dividends with your qualifying Members Choice Complete Checking account Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Main Savings Account	0.05%	0.05%
Min Balance $100 Details Balance: $100.00 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Savings Accounts	0.05%	0.05%
Min Balance $100 Details Balance: $100 and over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Money Market Rates

Product	Rate	APY
High-Yield Variable Rate - Maximum Money MarketTM	2.96%	3.00%
Min Balance $50,000 Details Balance: $50,000 and higher; LIMITED TIME 6-Month New Account Promotional Rate; applies to entire balance for 6 months with a new account Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 0.50% → 3.00% ▲ 2.50 pts · high 3.00% / low 0.50% Oct 19, 20263.00%▲ from 0.50% Sep 18, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High-Yield Variable Rate - Maximum Money MarketTM	2.25%	2.27%
Min Balance $1,000,000 Details Balance: $1,000,000 and higher; Guaranteed Dividend Rate: WSJP minus 4.50% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High-Yield Variable Rate - Maximum Money MarketTM	1.25%	1.26%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Guaranteed Dividend Rate: WSJP minus 5.50% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High-Yield Variable Rate - Maximum Money MarketTM	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $149,999.99; Guaranteed Dividend Rate: WSJP minus 7.00% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High-Yield Variable Rate - Maximum Money MarketTM	0.50%	0.50%
Min Balance $150,000 Details Balance: $150,000 - $299,999.99; Guaranteed Dividend Rate: WSJP minus 6.75% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High-Yield Variable Rate - Maximum Money MarketTM	0.50%	0.50%
Min Balance $300,000 Details Balance: $300,000 - $499,999.99; Guaranteed Dividend Rate: WSJP minus 6.50% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Fixed Rate - Classic Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and higher Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Fixed Rate - Classic Money Market	0.10%	0.10%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Fixed Rate - Classic Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High-Yield Variable Rate - Maximum Money MarketTM	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 - $49,999.99; Guaranteed Dividend Rate: shown Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Business Money Market Rates

Product	Rate	APY
Fixed Rate - Business Classic Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and higher Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Fixed Rate - Business Classic Money Market	0.10%	0.10%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Fixed Rate - Business Classic Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Checking Rates

Product	Rate	APY
High-Yield Complete Checking Account	4.00%	4.07%
Min Balance $0 Details Balance: $0.01 - $1,999.99; Qualifying balance up to $1,999.99; Earn dividends with no minimum balance required; No monthly maintenance fees Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.07% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Student Saver Checking	0.25%	0.25%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable-Rate Mortgage 5/1	6.37%	-	6.55%
Details As Low As; Interest Rate/APR shown as rate / APR; Term structure 5/1 ARM; 1% annual rate caps Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
FlexChoice Convertible 5/1 Loan	6.37%	-	6.55%
Details As Low As; Interest Rate/APR shown as rate / APR; Initial 5/1 term; option to convert from adjustable-rate to fixed-rate after one year at no cost; 1% annual rate caps Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Conventional Fixed-Rate - 15-Year	6.49%	-	6.78%	15-Year
Details As Low As; Mortgage Type: Conventional Fixed-Rate Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 6.66% → 6.78% ▲ 0.12 pts · high 6.92% / low 6.66% Oct 1, 20266.78%▼ from 6.92% Sep 22, 20266.92%▲ from 6.66% Sep 18, 20266.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Adjustable-Rate Mortgage 7/1	6.67%	-	6.86%
Details As Low As; Interest Rate/APR shown as rate / APR; Term structure 7/1 ARM; 1% annual rate caps Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
FlexChoice Convertible 7/1 Loan	6.75%	-	6.93%
Details As Low As; Interest Rate/APR shown as rate / APR; Initial 7/1 term; option to convert from adjustable-rate to fixed-rate after one year at no cost; 1% annual rate caps Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.93% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Conventional Fixed-Rate - 20-Year	6.74%	-	6.98%	20-Year
Details As Low As; Mortgage Type: Conventional Fixed-Rate Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 6.86% → 6.98% ▲ 0.12 pts · high 7.11% / low 6.86% Oct 1, 20266.98%▼ from 7.11% Sep 22, 20267.11%▲ from 6.86% Sep 18, 20266.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Conventional Fixed Rate Primary Home Purchase or Refi	-	-	6.99%	30 Years
Details Includes a .25% limited time rate discount for primary home purchase or rate and term refi; Ask Us For Details Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Adjustable-Rate Mortgage 10/1	6.97%	-	7.16%
Details As Low As; Interest Rate/APR shown as rate / APR; Term structure 10/1 ARM; 1% annual rate caps Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Conventional Fixed-Rate - 30-Year	6.99%	-	7.18%	30-Year
Details As Low As; Mortgage Type: Conventional Fixed-Rate Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 6.80% → 7.18% ▲ 0.38 pts · high 7.24% / low 6.80% Oct 1, 20267.18%▼ from 7.24% Sep 22, 20267.24%▲ from 6.80% Sep 18, 20266.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
FlexChoice Convertible 10/1 Loan	7.12%	-	7.31%
Details As Low As; Interest Rate/APR shown as rate / APR; Initial 10/1 term; option to convert from adjustable-rate to fixed-rate after one year at no cost; 1% annual rate caps Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.31% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan for Summer Home Improvements - 15 Years	-	-	6.49%	15 Years
Details Summer home improvement promotion; access home equity for Spring home improvement projects Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
First Lien Home Equity Loan - 15-Year	6.49%	-	6.96%	15-Year
Details As Low As; First Lien Home Equity; Borrow up to 80% of home's fair market value Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.96% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Home Equity Line of Credit (HELOC) - 1st Lien	7.00%	-	7.06%
Details As Low As; Variable Rate Revolving Line of Credit - Draw Period + Repayment Period; Loan amounts from $75,000 to $250,000; available on a primary residence in Texas Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.06% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
First Lien Home Equity Loan - 20-Year	6.74%	-	7.12%	20-Year
Details As Low As; First Lien Home Equity; Borrow up to 80% of home's fair market value Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.12% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
First Lien Home Equity Loan - 30-Year	6.99%	-	7.29%	30-Year
Details As Low As; First Lien Home Equity; Borrow up to 80% of home's fair market value Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.29% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Home Equity Line of Credit (HELOC) - 2nd Lien	7.25%	-	7.31%
Details As Low As; Variable Rate Revolving Line of Credit - Draw Period + Repayment Period; Loan amounts from $75,000 to $250,000; available on a primary residence in Texas Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.31% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Second Lien Home Equity Loan - 15-Year	6.99%	-	7.47%	15-Year
Details As Low As; Second Lien Home Equity; Borrow up to 80% of home's fair market value Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.47% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Second Lien Home Equity Loan - 20-Year	7.24%	-	7.63%	20-Year
Details As Low As; Second Lien Home Equity; Borrow up to 80% of home's fair market value Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.63% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	3.49%	12 - 36 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24% Sep 27, 20263.49%▲ from 3.24% Sep 18, 20263.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
New or Used Auto Loan	-	-	3.49%
Details As Low As; Your dream car awaits! Get behind the wheel today in a new or used car. Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Pre-Owned Autos	-	-	3.49%	12 - 36 months
Details As Low As; Rates shown include standard rate discounts Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24% Sep 27, 20263.49%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
New Autos	-	-	4.99%	37 - 60 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Pre-Owned Autos	-	-	4.99%	37 - 60 months
Details As Low As; Rates shown include standard rate discounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
New Autos	-	-	5.74%	61 - 72 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Sep 27, 20265.74%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Pre-Owned Autos	-	-	5.74%	61 - 72 months
Details As Low As; Rates shown include standard rate discounts Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Sep 27, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
New Autos	-	-	6.49%	73 - 84 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Sep 27, 20266.49%▲ from 6.24% Sep 18, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Pre-Owned Autos	-	-	6.49%	73 - 84 months
Details As Low As; Rates shown include standard rate discounts Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Sep 27, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats/RVs/Motorcycles/ATVs Loan	-	3.99%	12 - 36 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Boats/RVs/Motorcycles/ATVs Loan	-	4.99%	37 - 72 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Boats/RVs/Motorcycles/ATVs Loan	-	5.99%	73 - 84 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Boats/RVs/Motorcycles/ATVs Loan	-	6.99%	85 - 120 months
Details As Low As; For Loans over $50,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Boats/RVs/Motorcycles/ATVs Loan	-	7.24%	121-180 months
Details As Low As; For Loans over $80,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Personal Loan Rates

Product	APR	Term
Unsecured / Signature Personal Loan	8.24%	0 - 12 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
HomeRewards Unsecured Personal Loan	8.49%
Details As Low As; Exclusive personal loan for homeowners from $10K to $30K without tapping equity. Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
HomeRewards Unsecured Personal Loan - HomeRewards Personal Loan	9.49%	61 - 72 months
Details As Low As; ($20,000 minimum); Rates shown include standard rate discounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	10.24%	13 - 24 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
HomeRewards Unsecured Personal Loan - HomeRewards Personal Loan	10.49%	73 - 84months
Details As Low As; ($30,000 maximum); Rates shown include standard rate discounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	11.24%	25 - 36 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	12.24%	37 - 60 months
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	13.24%	61 - 72 months
Details As Low As; Rates shown include standard rate discounts.; Minimum loan amount is $20,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	13.24%	73-84 months
Details As Low As; Rates shown include standard rate discounts.; Minimum loan amount is $30,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit (Variable)	-	-	10.50%
Details As Low As; Rates shown include standard rate discounts. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unimproved Residential Land Loan - 10-Year	7.74%	-	8.30%	10-Year
Details As Low As; Texas Land Loans; Unimproved residential land; Up to 80% LTV; loan amounts $50,000 to $500,000 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 8.30% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unimproved Residential Land Loan - 15-Year	7.99%	-	8.40%	15-Year
Details As Low As; Texas Land Loans; Unimproved residential land; Up to 80% LTV; loan amounts $50,000 to $500,000 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 8.40% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unimproved Residential Land Loan - 20-Year	8.24%	-	8.58%	20-Year
Details As Low As; Texas Land Loans; Unimproved residential land; Up to 80% LTV; loan amounts $50,000 to $500,000 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 8.58% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Individual Retirement Account (IRA)	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Members Choice Credit Union’s Texas Ratio stayed near 7.19% in Q3 2023 to 7.07% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$721M	7.07%	5.0	A
March 31, 2026	$728M	5.67%	5.0	A+
December 31, 2025	$725M	8.25%	5.0	A
September 30, 2025	$728M	7.88%	5.0	A
June 30, 2025	$744M	8.70%	5.0	A
March 31, 2025	$775M	3.46%	5.0	A+
December 31, 2024	$767M	7.31%	5.0	A
September 30, 2024	$781M	6.27%	5.0	A
June 30, 2024	$746M	5.99%	5.0	A+
March 31, 2024	$737M	4.74%	5.0	A+
December 31, 2023	$755M	5.57%	5.0	A+
September 30, 2023	$777M	7.19%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 121

Part-Time Employees 0

Branch Locations 8

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.07%

Return on Assets (ROA)

0.0745%

Return on Equity (ROE)

0.9511%

Non-Performing Loans Ratio (NPL)

0.77%

Total Assets

720,911,022

Total Amount of Shares and Deposits

584,737,847

Total Shares and Deposits < 1 Year

570,524,942

Total Shares and Deposits 1 3 Years

11,113,496

Total Shares and Deposits > 3 Years

3,099,408

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

60,490,511

Total Uninsured Shares and Deposits > $250K (F+J)

60,490,511

Total Insured Shares and Deposits > $250K (item 17 less item K)

524,247,336

Total Interest Expense (Sum of items 6 8)

5,616,377

Share Certificates

4,208

Number of Accounts for Share Drafts

29,092

IRA KEOGH Accounts

391

Number of Accounts for Regular Shares

49,543

Money Market Shares

1,433

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)

17,993,925

Total Liabilities

673,121,795

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Members Choice Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Members Choice Credit Union

Does Members Choice Credit Union offer CDs?

Yes. Members Choice Credit Union current CD rates include its 14 Month Promotional CD at 4.00% APY, its 7 Month Promotional CD at 4.00% APY and its 5-10-15-20 month High Five CD Ladder at 3.90% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Members Choice Credit Union NCUA insured?

Yes. Members Choice Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Members Choice Credit Union?

The highest Members Choice Credit Union CD rate is its 14 Month Jumbo Promotional CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Members Choice Credit Union offer?

Members Choice Credit Union CD rates are 4.00% APY for a 7 month CD, 3.75% APY for a 10 month CD, 2.90% APY for a 12 month CD, 4.00% APY for a 14 month CD, 3.51% APY for a 15 month CD, 3.00% APY for an 18 month CD, 3.90% APY for a 20 month CD, 3.00% APY for a 2 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Members Choice Credit Union for its full lineup.

What is the highest savings rate at Members Choice Credit Union?

The highest Members Choice Credit Union savings rate is its High-Yield Savings Account at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Members Choice Credit Union?

The highest Members Choice Credit Union money market rate is its High-Yield Variable Rate - Maximum Money MarketTM at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Members Choice Credit Union?

The highest Members Choice Credit Union checking rate is its High-Yield Complete Checking Account at 4.07% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Members Choice Credit Union?

The lowest Members Choice Credit Union 30 year fixed mortgage rate is its Conventional Fixed-Rate - 30-Year at 6.99%, verified by MonitorBankRates as of October 30, 2026. Members Choice Credit Union mortgage rates are 6.99% for a 30 year mortgage, 6.74% for a 20 year mortgage and 6.49% for a 15 year mortgage.

What is the lowest auto loan rate at Members Choice Credit Union?

The lowest Members Choice Credit Union auto loan rate is its New Autos at 3.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Members Choice Credit Union?

The lowest Members Choice Credit Union personal loan rate is its Unsecured / Signature Personal Loan at 8.24% APR, verified by MonitorBankRates as of October 30, 2026.

How 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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Members Choice Credit Union rates compare?

Members Choice Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A health rating. Members Choice Credit Union's top rates are its 14 Month Jumbo Promotional CD at 4.00% APY, its High-Yield Savings Account at 3.00% APY, its High-Yield Variable Rate - Maximum Money MarketTM at 3.00% APY, its High-Yield Complete Checking Account at 4.07% APY, its Adjustable-Rate Mortgage 5/1 at 6.37% and its Unsecured / Signature Personal Loan at 8.24% APR, verified by MonitorBankRates on October 30, 2026.

Current Members Choice Credit Union Rates

12-Month CD2.90%
18-Month CD3.00%
24-Month CD3.00%
60-Month CD2.50%
Savings3.00%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Members Choice Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Members Choice Credit Union Texas Ratio

Members Choice Credit Union Health Trend

Members Choice Credit Union CD Rates

Members Choice Credit Union Savings Rates

Members Choice Credit Union Money Market Rates

Members Choice Credit Union Business 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Members Choice Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Members Choice Credit Union

Does Members Choice Credit Union offer CDs?

Are CDs from Members Choice Credit Union NCUA insured?

What is the highest CD rate at Members Choice Credit Union?

What CD terms does Members Choice Credit Union offer?

What is the highest savings rate at Members Choice Credit Union?

What is the highest money market rate at Members Choice Credit Union?

What is the highest checking rate at Members Choice Credit Union?

What is the lowest 30 year fixed mortgage rate at Members Choice Credit Union?

What is the lowest auto loan rate at Members Choice Credit Union?

What is the lowest personal loan rate at Members Choice Credit Union?

How many branches does Members Choice Credit Union operate?

Is a member application needed to join Members Choice Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Members Choice Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Members Choice Credit Union rates compare?

Current Members Choice Credit Union Rates

Compare to Other Credit Unions