Members Choice Credit Union

Read about our federally-insured deposits and access the deposit insurance calculator. Learn more.

Shift Your Savings into Overdrive

3.56% APY* Maximum Money Market™

With a Limited Time 6-Month Promotional Rate offer.***
Variable rates for higher yields with flexible access.

We're better together

We are big enough to help you with financial products and services that help you succeed, and small enough to care about why personal service and community support still matters.

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Help Your Entire Family Get Access to Member Benefits

We believe in people-helping-people by providing sound financial solutions and resources, as well as sharing our passion for supporting the community. 
News & Events

You Won’t Want to Miss

Protect Yourself From Fraud: Data Security and Safety

Keeping your data secure and monitoring your financial accounts are important steps to protecting your information from fraud.  Read ways on how to protect your information and what to do if you suspect you're a victim of fraud.

Talking to Your Kids about Personal Finances: Helpful Tips

Daily life presents an abundance of opportunities to build kids’ financial capabilities. Read five ways to gently and effectively talk smart money habits with kids – because good financial health should start early.

Protect Yourself From Fraud: Tips To Avoid Phone Scammers

A Phone Scam can occur\ when a scammer tries to disguise themself as Members Choice Credit Union Employee in an attempt to collect sensitive account information from you. Read tips on how to protect your information and what to do if you suspect you're a victim of fraud.


Protecting Your Credit During a Pandemic

The COVID-19 pandemic has shaken the global economy, disrupting many businesses and people's finances. Now it's important to be mindful of your finances and credit, and not fall victim to scams. 

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What You Should Know About Tech Support Scams

These days we’re doing more online – working, connecting with family and friends, shopping, and banking. So, if something goes wrong with your device, you want to fix it right away. Scammers are preying on this, offering phony tech support services. Here’s what you should know about tech support scams.

Should I swipe my card or insert the chip when paying? What’s the difference?

How many times have you found yourself at the check-out counter wanting to pay for your purchases with your debit card and not being sure if the system wants you to swipe your card or insert your chip? Knowing the differences between the two can help make your purchasing process easier

By your side...

We're here to serve and support you.

Whether you or a family member need extra support with funding purchases, consolidating debt or managing your payments, our team is here to help you with financial resources to support your needs.

Rate Highlights

Deposit & Loan Rates

Consumer Deposit Rates
Personal Savings
$100.00 and over
.05% APY*
Money Market Account
$50,000 and over
.15% APY*
Certificates of Deposit
Six to 60 Month Certificates
0.50% to  2.32% APY*
Consumer Loan Rates
New and Pre-Owned Autos
12-36 Months 
As low as 2.19% APR**
Unsecured Signature Loans
Up to 12 months
As low as 7.60% APR**
HomePlus Personal Loans
Unsecured, 37-60 Months 
As low as 6.75% APR**
Holiday/Vacation Loans
12 months - $1,000 - $5,000
As low as 6.60% APR**
Mortgage Rates
Home Mortgage loans are available on residential primary residences and second/vacation properties and Investment properties located in Texas. Manufactured homes not allowed.
Land loans are available on unimproved and rural residential properties located in Texas. Agricultural and farm & ranch loans are not allowed.
Rates are issued daily.
Get started with an online estimated rate quote – no credit pull required, or contact a Mortgage Loan Officer at 281.754.1103.

All rates are subject to change at any time without notice. View related rates pages for full disclosures.
*APY – Annual Percentage Yield.
**APR – Annual Percentage Rate. Discounts have been applied to the new auto, pre-owned auto and unsecured Signature loan rates.
***Maximum Money Market Account promotional rate applies if member deposits a total of more than $50,000 within first 12 days after account is opened from sources other than an existing Members Choice Credit Union account.  Promotional rate will apply for the first six statement cycles in which the account is open.  After that, standard Maximum Money Market Account rates will apply.