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%

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Members Choice Credit Union

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Members Choice Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Members Choice Credit Union's top rates as of October 10, 2026 are 5.00% APY on its 14-Month Promotional CD, 3.00% APY on savings, 3.00% APY on money market accounts, 4.07% APY on checking, 6.37% on its Adjustable-Rate 5/1 Loan mortgage, and personal loans from 8.24% APR, according to rates verified by MonitorBankRates. Other Members Choice Credit Union CD rates include 7-Month Promotional CD at 5.00%, 14 Month Jumbo Promotional CD at 4.00%, and 14 Month Promotional CD at 4.00%. Other Members Choice Credit Union mortgage rates include FlexChoice Convertible 5/1 Loan at 6.37%, Conventional Fixed-Rate Mortgage at 6.49%, and Adjustable-Rate 7/1 Loan at 6.67%. 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 10/10/2026.

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 Q2 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 Promotional Certificate	5.00%	5.00%	14 months
Min Deposit $500 Min Balance $500 Details Promotional Rate CD. No prior relationship requirement to apply for the Promotional Rate CD account. This offer is valid for a limited time only while quantities last. These Limited Time Promotional Rate CD's are not eligible for the CD Rate Boost Program. For the 14-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 12-month or regular 12-month jumbo certificate, as applicable. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 5.00% ▲ 1.35 pts · high 5.00% / low 3.65% Oct 10, 20265.00%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
7-Month Promotional Certificate	5.00%	5.00%	7 months
Min Deposit $500 Min Balance $500 Details Promotional Rate CD. No prior relationship requirement to apply for the Promotional Rate CD account. This offer is valid for a limited time only while quantities last. These Limited Time Promotional Rate CD's are not eligible for the CD Rate Boost Program. For the 7-Month Promotional Certificate, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 6-month or regular 6-month jumbo certificate, as applicable. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 5.00% ▲ 1.10 pts · high 5.00% / low 3.90% Oct 10, 20265.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
14 Month Jumbo Promotional CD	3.93%	4.00%	14 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 10, 20264.00%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
14 Month Promotional CD	3.93%	4.00%	14 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 10, 20264.00%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
7 Month Jumbo Promotional CD	3.93%	4.00%	7 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 10, 20264.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
7 Month Promotional CD	3.93%	4.00%	7 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 10, 20264.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
7-Mo Promo CD	-	4.00%	7 Month
Min Deposit $500 Details Open Your CD Account Online, by Phone, or at a Branch; Promotional CD Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
"High Five" CD Ladder - 5 Month	3.83%	3.90%	5 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.90% APY 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 Open Your CD Account by Phone, or at a Branch Last Updated 10/10/2026 Rate History No change since Oct 10, 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
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY 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
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.51% APY 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
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
18 Month CD	2.96%	3.00%	18 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
18 Month Jumbo CD	2.96%	3.00%	18 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
18 Month Standard IRA CD	2.96%	3.00%	18 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
24 Month Jumbo CD	2.96%	3.00%	24 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
24 Month Standard IRA CD	2.96%	3.00%	24 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
36 Month Jumbo CD	2.96%	3.00%	36 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
36 Month Standard IRA CD	2.96%	3.00%	36 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
12 Month Jumbo CD	2.86%	2.90%	12 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
12 Month Standard IRA CD	2.86%	2.90%	12 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
6 Month Jumbo CD	2.86%	2.90%	6 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
6 Month Standard IRA CD	2.86%	2.90%	6 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
48 Month Jumbo CD	2.72%	2.75%	48 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
48 Month Standard IRA CD	2.72%	2.75%	48 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
60 Month Jumbo CD	2.47%	2.50%	60 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
60 Month Standard IRA CD	2.47%	2.50%	60 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 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 Business CD Rates

Product	Rate	APY	Term
Business 14 Month Promotional CD	3.93%	4.00%	14 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 10, 20264.00%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business 7 Month Promotional CD	3.93%	4.00%	7 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 10, 20264.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
5-10-15-20 month Business High Five CD Ladder	-	3.90%	5-10-15-20 Months
Min Deposit $2,000 Details Open Your CD Account by Phone, or at a Branch Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business High Five CD Ladder (5-10-15-20 month) - CD Ladder-10 Month	3.69%	3.75%	10 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business High Five CD Ladder (5-10-15-20 month) - CD Ladder-15 Month	3.45%	3.51%	15 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business High Five CD Ladder (5-10-15-20 month) - CD Ladder-20 Month	3.45%	3.51%	15-20 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business 18 Month CD	2.96%	3.00%	18 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business 24 Month CD	2.96%	3.00%	24 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business 36 Month CD	2.96%	3.00%	36 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business 12 Month CD	2.86%	2.90%	12 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business 6 Month CD	2.86%	2.90%	6 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business 48 Month CD	2.72%	2.75%	48 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business 60 Month CD	2.47%	2.50%	60 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 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; Earn high-yield dividends with your qualifying Members Choice Complete Checking account. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Main Savings Account	0.05%	0.05%
Min Balance $5 Details Balance: $5.00 - $99.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Accounts	0.05%	0.05%
Min Balance $100 Details Balance: $100 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%

Members Choice Credit Union Money Market Rates

Product	Rate	APY
Classic Money Market	3.00%	3.00%
Details Fixed Rate - Classic Money Market. The Fixed Dividend Rate and Annual Percentage Yield for the balance tier may change at any time without prior notice. Classic Money Market accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 3.00% ▲ 2.95 pts · high 3.00% / low 0.05% Oct 10, 20263.00%▲ from 0.05% Sep 14, 20260.05%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 Rates: WSJP minus 4.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 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 Rates: WSJP minus 5.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 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 Rates: WSJP minus 7.00% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 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 Rates: WSJP minus 6.75% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 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 Rates: WSJP minus 6.50% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Classic Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and higher Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.15% ▲ 0.10 pts · high 0.15% / low 0.05% Oct 10, 20260.15%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Classic Money Market	0.10%	0.10%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05% Oct 10, 20260.10%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Classic Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05% Oct 10, 20260.10%▲ from 0.05% Sep 14, 20260.05%first recorded 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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
Business 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 Rates: WSJP minus 4.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business High-Yield Variable Rate - Maximum Money MarketTM	1.25%	1.26%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Guaranteed Dividend Rates: WSJP minus 5.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business High-Yield Variable Rate - Maximum Money MarketTM	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $149,999.99; Guaranteed Dividend Rates: WSJP minus 7.00% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 0.50% ▼ 2.50 pts · high 3.00% / low 0.50% Sep 18, 20260.50%▼ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business High-Yield Variable Rate - Maximum Money MarketTM	0.50%	0.50%
Min Balance $150,000 Details Balance: $150,000 - $299,999.99; Guaranteed Dividend Rates: WSJP minus 6.75% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business High-Yield Variable Rate - Maximum Money MarketTM	0.50%	0.50%
Min Balance $300,000 Details Balance: $300,000 - $499,999.99; Guaranteed Dividend Rates: WSJP minus 6.50% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business Classic Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and higher Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business Classic Money Market	0.10%	0.10%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business Classic Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business High-Yield Variable Rate - Maximum Money MarketTM	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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; Earn dividends with No minimum balance required. No monthly maintenance fees. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
High-Yield Complete Checking Account	-	4.07%
Min Balance $2,000 Details Published APY range: 4.07% - 2.02%. Balance: $2,000 - $9,999.99; Earn dividends with No minimum balance required. No monthly maintenance fees. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.07% APY · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 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 5/1 Loan	6.37%	-	6.55%	5/1
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 1, 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%	5/1
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 6.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Conventional Fixed-Rate Mortgage	6.49%	-	6.78%	15-Year
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.66% → 6.78% ▲ 0.12 pts · high 6.78% / low 6.66% Oct 10, 20266.78%▲ from 6.66% Sep 14, 20266.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Adjustable-Rate 7/1 Loan	6.67%	-	6.86%	7/1
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 1, 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%	7/1
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 6.93% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Conventional Fixed-Rate Mortgage	6.74%	-	6.98%	20-Year
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.86% → 6.98% ▲ 0.12 pts · high 6.98% / low 6.86% Oct 10, 20266.98%▲ from 6.86% Sep 14, 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 - 30 Years	-	-	6.99%	30 years
Details INCLUDES a special .25% LIMITED TIME rate discount for your primary home purchase or rate and term refi! Ask Us For Details (Opens in a new Window) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Adjustable-Rate 10/1 Loan	6.97%	-	7.16%	10/1
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 7.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Conventional Fixed-Rate Mortgage	6.99%	-	7.18%	30-Year
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.80% → 7.18% ▲ 0.38 pts · high 7.18% / low 6.80% Oct 10, 20267.18%▲ from 6.80% Sep 14, 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%	10/1
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 1, 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	-	-	6.49%	15 Years
Details A flexible way to access your home's equity for those Spring home improvements projects! Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
First Lien Home Equity - 15-Year	6.49%	-	6.96%	15-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.96% APR · checked 7 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%	Variable Rate Revolv
Details Term: Variable Rate Revolving Line of Credit - Draw Period + Repayment Period; Rates As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
First Lien Home Equity - 20-Year	6.74%	-	7.12%	20-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.12% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
First Lien Home Equity - 30-Year	6.99%	-	7.29%	30-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.29% APR · checked 7 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%	Variable Rate Revolv
Details Term: Variable Rate Revolving Line of Credit - Draw Period + Repayment Period; Rates As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.31% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Second Lien Home Equity - 15-Year	6.99%	-	7.47%	15-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.47% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Second Lien Home Equity - 20-Year	7.24%	-	7.63%	20-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.63% APR · checked 7 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 and Pre-Owned Autos	-	-	3.49%	12-36 Months
Details As low as Last Updated 10/10/2026 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	-	-	3.49%	12 - 36 months
Details Rates shown include standard rate discounts.* Last Updated 10/10/2026 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 10/10/2026 Rate History No change since Oct 10, 2026 · 3.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Pre-Owned Autos	-	-	3.49%	12 - 36 months
Details Rates shown include standard rate discounts.* Last Updated 10/10/2026 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 Rates shown include standard rate discounts.* Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Pre-Owned Autos	-	-	4.99%	37 - 60 months
Details Rates shown include standard rate discounts.* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
New Autos	-	-	5.74%	61 - 72 months
Details Rates shown include standard rate discounts.* Last Updated 10/10/2026 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 Rates shown include standard rate discounts.* Last Updated 10/10/2026 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 Rates shown include standard rate discounts.* Last Updated 10/10/2026 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 Rates shown include standard rate discounts.* Last Updated 10/10/2026 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 Rates shown include standard rate discounts.* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 6 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 Rates shown include standard rate discounts.* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 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 Rates shown include standard rate discounts.* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 6 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 For Loans over $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 3 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 For Loans over $80,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 3 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 Rates shows include standard rate discounts. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
HomeRewards Unsecured Personal Loan	8.49%
Details Exclusive personal loan for homeowners from $10K to $30K without tapping equity. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
HomeRewards Personal Loan	9.49%	61 - 72 months
Details ($20,000 minimum) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	10.24%	13 - 24 months
Details Rates shows include standard rate discounts. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
HomeRewards Personal Loan	10.49%	73 - 84 months
Details ($30,000 maximum) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	11.24%	25 - 36 months
Details Rates shows include standard rate discounts. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	12.24%	37 - 60 months
Details Rates shows include standard rate discounts. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	13.24%	61 - 72 months
Details Rates shows include standard rate discounts. minimum loan amount is $20,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unsecured / Signature Personal Loan	13.24%	73-84 months
Details Rates shows include standard rate discounts. minimum loan amount is $30,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 5 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 Rates shows include standard rate discounts. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 10.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unimproved Residential Land - 10-Year Loan	7.74%	-	8.30%	10-Year
Details As Low As* Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 8.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unimproved Residential Land - 15-Year Loan	7.99%	-	8.40%	15-Year
Details As Low As* Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 8.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Unimproved Residential Land - 20-Year Loan	8.24%	-	8.58%	20-Year
Details As Low As* Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 8.58% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business High-Yield Variable Rate - Maximum Money MarketTM	2.96%	-	3.00%	6 months
Min Balance $50,000 Details LIMITED TIME 6-Month New Account Promotional Rate; Balance: $50,000 and higher Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Business Maximum Money MarketTM	-	-	3.00%	6 months
Min Deposit $50,000 Details Qualifications Required: New money totaling at least $50,000 must be deposited within twelve (12) days after the date of account opening; FOR A LIMITED TIME, EARN 3.00% APY* WITH A NEW ACCOUNT 6-MONTH PROMO RATE. Open your Maximum Money MarketTM account today with $50,000 or more to get the New Account Promotional Rate on your entire balance for 6 months. To be eligible for the Maximum Money Market Promotional Rate, new money totaling at least $50,000 must be deposited within twelve (12) days after the date of account opening. "New Money" is defined as funds transferred from another financial institution via ACH, cash, or check. Checks or transfers from other Members Choice accounts do not qualify as "New Money." At any time, we may waive the New Money requirement for the Promotional Maximum Money Market Account rate. If $50,000 New Money is not deposited within twelve (12) days of account opening, the standard rates and APYs for Maximum Money Market Account apply. APY will remain in effect for six (6) months after account opening ("Promotional Period"). After the Promotional Period, APY will be the then current standard APY for the Maximum Money Market Account applicable tier. Promotion may end at any time. The Maximum Money Market is available to all of the following new and existing membership types - personal, business and fiduciary. At our sole discretion, the number of Maximum Money Market Accounts per member may be limited. The Dividend Rate and Annual Percentage Yield for the lowest balance tier can change as determined by the Board of Directors. The Dividend Rate, Annual Percentage Yield, and Margin, for the other balance tiers will be adjusted at the sole discretion of the Credit Union on the first of the month following a change to the index, Wall Street Journal Prime (WSJP). The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates. Rate tiers, with the exception of the first tier, will have a floor rate of no less than 0.50% Annual Percentage Rate. Maximum MMAs, Classic MMAs, and Savings accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account. WSJP 6.75 % - Current WSJP effective as of September 17, 2026. Variable dividend rate is adjusted on the first day of each month following a change in the index. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.07%
Individual Retirement Accounts (IRA)	0.25%	-	0.25%
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 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

Q2 2026 MBR Health & Safety Badge

Members Choice Credit Union earned the Verified Healthy 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.

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Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Members Choice Credit Union

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.

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.

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Members Choice Credit Union Rates & Review October 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 Business CD Rates

Members Choice Credit Union Savings Rates

Members Choice Credit Union Business 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

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?

Current Members Choice Credit Union Rates

Compare to Other Credit Unions