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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Members Choice of Central Texas Federal Credit Union Rates & Review November 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.
Read Full Bio →
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: October 28, 2026
Members Choice of Central Texas Federal Credit Union's 12 month 1 year Priority Plus Term CD rates are at 3.50%, 12 month 1 year Term CD rates are at 3.44%, 24 month 2 year Priority Plus Term CD rates are at 3.39%, 24 month 2 year Term CD rates are at 3.34%, 18 month Priority Plus Term CD rates are at 3.29%. Members Choice of Central Texas Federal Credit Union's money market rates are at 2.22%. Members Choice of Central Texas Federal Credit Union's Mortgage Loan - 11 to 22 years rates are at 5.25%, Mortgage Loan - 23 to 30 years rates are at 5.75%. Members Choice of Central Texas Federal Credit Union's Personal Loan Rates are as low as 8.75%. Members Choice of Central Texas Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Members Choice of Central Texas Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.22%. Rates last updated and verified on 10/28/2026. Members Choice of Central Texas Federal 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 of Central Texas Federal Credit Union? Share your experience about Members Choice of Central Texas Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Members Choice of Central Texas Federal Credit Union. Members Choice of Central Texas Federal Credit Union
Main Branch 4631 W Waco Dr
https://www.choicefcu.com Waco, TX 76710  Customer Reviews
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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 of Central Texas Federal Credit Union CD Rates
Members Choice of Central Texas Federal Credit Union Savings Rates
Members Choice of Central Texas Federal Credit Union Checking Rates
Members Choice of Central Texas Federal Credit Union Mortgage Rates
Members Choice of Central Texas Federal Credit Union Home Equity & HELOC
Members Choice of Central Texas Federal Credit Union Auto Loan Rates
Members Choice of Central Texas Federal Credit Union RV, Boat and Powersport Loan Rates
Members Choice of Central Texas Federal Credit Union Personal Loan Rates
Members Choice of Central Texas Federal Credit Union Other Rates
Financial Health HistoryMembers Choice of Central Texas Federal Credit Union’s Texas Ratio stayed near 0.60% in Q3 2023 to 0.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 of Central Texas Federal 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 of Central Texas Federal 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 of Central Texas Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Choice of Central Texas Federal Credit Union
Website
https://www.choicefcu.com
Address
4631 W Waco Dr,
Waco, TX 76710
Phone
254-776-7070
Fax
President
Brenda Alligood
CEO
Don Cox
Full-Time Employees
51
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.22%
Return on Assets (ROA)
0.3386%
Return on Equity (ROE)
2.0821%
Non-Performing Loans Ratio (NPL)
0.06%
Total Assets
212,903,536
Total Amount of Shares and Deposits
181,784,294
Total Shares and Deposits < 1 Year
168,924,164
Total Shares and Deposits 1 3 Years
12,340,394
Total Shares and Deposits > 3 Years
519,736
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,643,115
Total Uninsured Shares and Deposits > $250K (F+J)
8,643,115
Total Insured Shares and Deposits > $250K (item 17 less item K)
173,141,179
Total Interest Expense (Sum of items 6 8)
1,204,999
Share Certificates
1,341
Number of Accounts for Share Drafts
10,548
IRA KEOGH Accounts
603
Number of Accounts for Regular Shares
19,225
Non Member Deposits
6
Money Market Shares
269
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)
27,999,146
Total Liabilities
183,476,004
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Members Choice of Central Texas Federal Credit UnionDoes Members Choice of Central Texas Federal Credit Union offer CDs?Yes. Members Choice of Central Texas Federal Credit Union current CD rates include its 12 month 1 year Priority Plus Term CD at 3.50% APY, its 12 month 1 year Term CD at 3.44% APY and its 24 month 2 year Priority Plus Term CD at 3.39% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Members Choice of Central Texas Federal Credit Union NCUA insured?Yes. Members Choice of Central Texas Federal 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 of Central Texas Federal Credit Union?The highest Members Choice of Central Texas Federal Credit Union CD rate is its 6 month Jumbo Term CD at 3.63% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Members Choice of Central Texas Federal Credit Union offer?Members Choice of Central Texas Federal Credit Union CD rates are 3.50% APY for a 12 month CD, 3.29% APY for an 18 month CD and 3.39% APY for a 2 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Members Choice of Central Texas Federal Credit Union for its full lineup. What is the highest money market rate at Members Choice of Central Texas Federal Credit Union?The highest Members Choice of Central Texas Federal Credit Union money market rate is its Money Market Checking at 2.22% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Members Choice of Central Texas Federal Credit Union?The highest Members Choice of Central Texas Federal Credit Union checking rate is its Money Market Checking at 2.22% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest mortgage rate at Members Choice of Central Texas Federal Credit Union?The lowest Members Choice of Central Texas Federal Credit Union mortgage rate is its Mortgage Loan - 11 to 22 years at 5.25% APR, verified by MonitorBankRates as of October 28, 2026. Members Choice of Central Texas Federal Credit Union mortgage rates are 5.75% APR for a 30 year mortgage and 5.25% APR for a 22 year mortgage. What is the lowest auto loan rate at Members Choice of Central Texas Federal Credit Union?The lowest Members Choice of Central Texas Federal Credit Union auto loan rate is its Auto Loan - Vehicle Year 2017-2020 at 4.84% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Members Choice of Central Texas Federal Credit Union?The lowest Members Choice of Central Texas Federal Credit Union personal loan rate is its Personal Loan at 8.75% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Members Choice of Central Texas Federal Credit Union operate?Members Choice of Central Texas Federal 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 of Central Texas Federal Credit Union?Yes, to access services at Members Choice of Central Texas Federal 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 of Central Texas Federal 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 of Central Texas Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Members Choice of Central Texas Federal Credit Union offer online and mobile banking?Most modern institutions like Members Choice of Central Texas Federal 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.choicefcu.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 of Central Texas Federal Credit Union rates compare?Members Choice of Central Texas Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. Members Choice of Central Texas Federal Credit Union's top rates are its 6 month Jumbo Term CD at 3.63% APY, its Money Market Checking at 2.22% APY, its Mortgage Loan - 11 to 22 years at 5.25% and its Personal Loan at 8.75% APR, verified by MonitorBankRates on October 28, 2026. Current Members Choice of Central Texas Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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