MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Credit Unions›
  3. Members Choice of Central Texas Federal Credit Union
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 October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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 12, 2026

Members Choice of Central Texas Federal Credit Union's top rates as of October 12, 2026 are 3.63% APY on its 6 month Jumbo Term CD, 2.22% APY on money market accounts, personal loans from 8.75% APR, and credit cards from 8.75% APR, according to rates verified by MonitorBankRates. Other Members Choice of Central Texas Federal Credit Union CD rates include 12 month 1 year Priority Plus IRA Term CD at 3.50%, 12 month 1 year Priority Plus Term CD at 3.50%, and 12 month 1 year IRA Term CD at 3.44%. 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 10/12/2026.

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.

Ranked #66 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026 Ranked #66 Healthiest Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.22%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Members Choice of Central Texas Federal Credit Union
Main Branch
4631 W Waco Dr
Waco, TX 76710
https://www.choicefcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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

Product Rate APY Term View More
6 month Jumbo Term Share Certificate 3.60% 3.63% 6 months
Min Deposit $90,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.63% APY · checked 4 times
3.13%3.63%4.13%Sep 25, 2026: 3.63% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
12 month 1 year Priority Plus IRA Term Share Certificate 3.45% 3.50% 12 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
12 month 1 year Priority Plus Term Share Certificate 3.45% 3.50% 12 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
12 month 1 year IRA Term Share Certificate 3.40% 3.44% 12 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.44% APY · checked 3 times
2.94%3.44%3.94%Oct 4, 2026: 3.44% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
12 month 1 year Term Share Certificate 3.40% 3.44% 12 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.44% APY · checked 4 times
2.94%3.44%3.94%Sep 25, 2026: 3.44% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
24 month 2 year Priority Plus IRA Term Share Certificate 3.35% 3.39% 24 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.39% APY · checked 3 times
2.89%3.39%3.89%Oct 4, 2026: 3.39% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
24 month 2 year Priority Plus Term Share Certificate 3.35% 3.39% 24 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.39% APY · checked 4 times
2.89%3.39%3.89%Sep 25, 2026: 3.39% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
24 month 2 year IRA Term Share Certificate 3.30% 3.34% 24 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.34% APY · checked 3 times
2.84%3.34%3.84%Oct 4, 2026: 3.34% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
24 month 2 year Term Share Certificate 3.30% 3.34% 24 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.34% APY · checked 4 times
2.84%3.34%3.84%Sep 25, 2026: 3.34% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
18 month Priority Plus Term Share Certificate 3.25% 3.29% 18 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 25, 2026: 3.29% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
18 month Term Share Certificate 3.20% 3.24% 18 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.24% APY · checked 4 times
2.74%3.24%3.74%Sep 25, 2026: 3.24% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
36 month 3 year Priority Plus IRA Term Share Certificate 3.05% 3.08% 36 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.08% APY · checked 3 times
2.58%3.08%3.58%Oct 4, 2026: 3.08% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
36 month 3 year Priority Plus Term Share Certificate 3.05% 3.08% 36 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.08% APY · checked 4 times
2.58%3.08%3.58%Sep 25, 2026: 3.08% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
36 month 3 year IRA Term Share Certificate 3.00% 3.03% 36 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 4, 2026: 3.03% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
36 month 3 year Term Share Certificate 3.00% 3.03% 36 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 25, 2026: 3.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
6 month Priority Plus Term Share Certificate 2.95% 2.97% 6 months
Min Deposit $2,500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.97% APY · checked 4 times
2.47%2.97%3.47%Sep 25, 2026: 2.97% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
6 month Term Share Certificate 2.90% 2.92% 6 months
Min Deposit $2,500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.92% APY · checked 4 times
2.42%2.92%3.42%Sep 25, 2026: 2.92% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
48 month 4 year Priority Plus IRA Term Share Certificate 2.85% 2.88% 48 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.88% APY · checked 3 times
2.38%2.88%3.38%Oct 4, 2026: 2.88% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
48 month 4 year Priority Plus Term Share Certificate 2.85% 2.88% 48 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.88% APY · checked 4 times
2.38%2.88%3.38%Sep 25, 2026: 2.88% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
48 month 4 year IRA Term Share Certificate 2.80% 2.83% 48 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.83% APY · checked 3 times
2.33%2.83%3.33%Oct 4, 2026: 2.83% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
48 month 4 year Term Share Certificate 2.80% 2.83% 48 months
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.83% APY · checked 4 times
2.33%2.83%3.33%Sep 25, 2026: 2.83% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%

Members Choice of Central Texas Federal Credit Union Savings Rates

Product Rate APY View More
SCRATCH Club Share 0.10% 0.10%
Min Balance $10
Details Balance required for dividends: $10 daily balance
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%

Members Choice of Central Texas Federal Credit Union Checking Rates

Product Rate APY View More
Money Market Checking 2.20% 2.22%
Min Balance $150,001
Details Balance: $150,001 +
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.22% APY · checked 4 times
1.72%2.22%2.72%Sep 25, 2026: 2.22% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Money Market Checking 1.50% 1.51%
Min Balance $75,001
Details Balance: $75,001 - $150,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Oct 4, 2026: 1.51% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Money Market Checking 1.10% 1.11%
Min Balance $25,001
Details Balance: $25,001 - $75,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 1.11% APY · checked 3 times
0.61%1.11%1.61%Oct 4, 2026: 1.11% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Money Market Checking 0.90% 0.90%
Min Balance $10,001
Details Balance: $10,001 - $25,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 4, 2026: 0.90% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Money Market Checking 0.70% 0.70%
Min Balance $5,001
Details Balance: $5,001 - $10,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.70% APY · checked 3 times
0.20%0.70%1.20%Oct 4, 2026: 0.70% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Money Market Checking 0.50% 0.50%
Min Balance $2,501
Details Balance: $2,501 - $5,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Oct 4, 2026: 0.50% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Money Market Checking 0.15% 0.15%
Min Balance $1,000
Details Balance: $1,000 - $2,500
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 4, 2026: 0.15% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%

Members Choice of Central Texas Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - 5 years - - 8.50% 5 years
Details As Low As; Fixed rate based on credit history & approval
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.50% APR · checked 6 times
8.00%8.50%9.00%Sep 16, 2026: 8.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Home Equity Loan - 10 years - - 9.00% 10 years
Details As Low As; Fixed rate based on credit history & approval
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 16, 2026: 9.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Home Equity Loan - 15 years - - 9.50% 15 years
Details As Low As; Fixed rate based on credit history & approval
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.50% APR · checked 6 times
9.00%9.50%10.00%Sep 16, 2026: 9.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%

Members Choice of Central Texas Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - Vehicle Year: 2017-2020 - - 4.84% Up to 60 months
Details As Low As; Vehicle Year: 2017-2020
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 12, 2026: 4.84% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2021-2022 - - 4.84% Up to 60 months
Details As Low As; Vehicle Year: 2021-2022
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 12, 2026: 4.84% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2023-2026 - - 4.84% Up to 60 months
Details As Low As; Vehicle Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 12, 2026: 4.84% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2021-2022 - - 4.99% 61-72 months
Details As Low As; Vehicle Year: 2021-2022; 72-month to 83-month term requires a minimum $15,000 loan amount
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2023-2026 - - 4.99% 61-75 months
Details As Low As; Vehicle Year: 2023-2026; 72-month to 83-month term requires a minimum $15,000 loan amount. 84-month term requires $40,000 loan amount
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2023-2026 - - 5.49% 76-84 months
Details As Low As; Vehicle Year: 2023-2026; 72-month to 83-month term requires a minimum $15,000 loan amount. 84-month term requires $40,000 loan amount
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2017-2020 - - 5.74% 61-66 months
Details As Low As; Vehicle Year: 2017-2020
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2021-2022 - - 5.74% 73-75 months
Details As Low As; Vehicle Year: 2021-2022; 72-month to 83-month term requires a minimum $15,000 loan amount
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2015-2016 - - 6.49% Up to 48 months
Details As Low As; Vehicle Year: 2015-2016
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2013-2014 - - 6.99% Up to 48 months
Details As Low As; Vehicle Year: 2013-2014
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 12, 2026: 6.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2011-2012 - - 7.49% Up to 36 months
Details As Low As; Vehicle Year: 2011-2012
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 12, 2026: 7.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Auto Loan - Vehicle Year: 2010 & Older - - 7.99% Up to 24 months
Details As Low As; Vehicle Year: 2010 & Older
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 12, 2026: 7.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%

Members Choice of Central Texas Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat Loan - New - 7.00% 60 months
Details As Low As; Age of Collateral: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 12, 2026: 7.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
RV's - New Loan - 7.00% 84 months
Details As Low As; Collateral: New; Travel Trailer/Motor Home
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 8, 2026: 7.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
RV's - Used 1-5 years Loan - 7.00% 36-72 months
Details As Low As; Collateral: Used 1-5 years; Travel Trailer/Motor Home
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 12, 2026: 7.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Boat Loan - 1-5 years old - 7.50% 48 months
Details As Low As; Age of Collateral: 1-5 years old
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Boat Loan - 6 years and older - 7.50% 36 months
Details As Low As; Age of Collateral: 6 years and older
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
RV's - Used Older Loan - 8.75% 24 - 48 months
Details As Low As; Collateral: Used Older; Travel Trailer/Motor Home
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.75% APR
8.25%8.75%9.25%Oct 12, 2026: 8.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%

Members Choice of Central Texas Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Cards - 8.75%
Details As low as; 0% intro APR for 6 months; up to $10,000 maximum based on current credit score
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.75% APR · checked 2 times
8.25%8.75%9.25%Oct 8, 2026: 8.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%

Members Choice of Central Texas Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 8.75% up to 60 months
Details As Low As; $10,000 Maximum
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.75% APR · checked 2 times
8.25%8.75%9.25%Oct 8, 2026: 8.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%

Members Choice of Central Texas Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Line of Credit - - 8.75% up to 60 months
Details As Low As; $10,000 maximum amount
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.75% APR · checked 2 times
8.25%8.75%9.25%Oct 8, 2026: 8.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
IRA Share 0.10% - 0.10%
Min Balance $25
Details Balance required for dividends: $25 daily balance; Roth Contribution IRA accounts require a minimum $250 daily balance
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
JAMMS Share 0.10% - 0.10%
Min Balance $15
Details Balance required for dividends: $15 daily balance
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Priority Plus Share 0.10% - 0.10%
Min Balance $25
Details Balance required for dividends: $25 daily balance
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Regular Share 0.10% - 0.10%
Min Balance $25
Details Balance required for dividends: $25 daily balance
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
Special Share 0.10% - 0.10%
Min Balance $25
Details Balance required for dividends: $25 daily balance
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.22%
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.
Powered by MonitorBankRates

Financial Health History

Members 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.

0% 1.0★ 0.3% 2.0★ 0.5% 3.0★ 0.8% 4.0★ 1% 5.0★ Healthy zone – entire history below the 15% limit 0.60% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.22% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$213M0.22%5.0A+
March 31, 2026$213M0.17%5.0A+
December 31, 2025$213M0.24%5.0A+
September 30, 2025$211M0.17%5.0A+
June 30, 2025$209M0.35%5.0A+
March 31, 2025$210M0.21%5.0A+
December 31, 2024$203M0.48%5.0A+
September 30, 2024$207M0.39%5.0A+
June 30, 2024$210M0.19%5.0A+
March 31, 2024$212M0.25%5.0A+
December 31, 2023$213M0.35%5.0A+
September 30, 2023$214M0.60%5.0A+
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 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

Financials

MonitorBankRates 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
Ranked #66 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026
Q2 2026 MBR Health & Safety Badge

Members Choice of Central Texas Federal Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/members-choice-of-central-texas-federal-credit-union-rates-review-199">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #66 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

Customer Reviews

There are no reviews for Members Choice of Central Texas Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Members Choice of Central Texas Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Members Choice of Central Texas Federal Credit Union

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.

Current Members Choice of Central Texas Federal Credit Union Rates

  • 12-Month CD3.44%
  • 18-Month CD3.24%
  • 24-Month CD3.34%
  • MMA2.22%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Lesco Federal Credit Union Northwest Arkansas Federal Credit Union Generations Credit Union Hartford Firefighters Federal Credit Union Jersey Shore Federal Credit Union Aflac Federal Credit Union LBS Financial Credit Union Northern Star Credit Union One Detroit Credit Union BEKA Federal Credit Union TruChoice Federal Credit Union IBEW SJ Cascade Federal Credit Union Allegany First Federal Credit Union Weld Community Credit Union Pueblo Government Agencies Federal Credit Union Community First Guam Federal Credit Union Radiant Credit Union Good Neighbors Federal Credit Union Neighborhood Trust Federal Credit Union Foundation Credit Union Latah Credit Union