Members Choice Credit Union


Heck yeah! A home loan that 
understands the assignment.

Get summer ready with a 
.25% Rate Discount or a
$1,000 Closing Cost Credit*

*Terms and Conditions Apply. Limited time offer. Click "Get Started" to learn more.

Time for a financial glow up! With Zelle®, sending and receiving money just got a whole lot easier. * Learn More *Terms & Conditions apply. All memberships are subject to approval including credit approval.

Time for a financial glow up!

With Zelle®, sending and

receiving money just got a

whole lot easier. *

 

*Terms & Conditions apply. All memberships are subject to approval including credit approval.

Just dropped! Our latest issue

of Good Living Newsletter

Real member stories + money tips you'll actually use.
It's giving inspo and info—don't sleep on it.

LIMITED TIME OFFER – Say "buh-bye" to high interest credit card debt.

Get a 3.00% Rate Discount on
Debt Consolidation Loans.

Rates as low as 7.99% APR**

 
**Terms and conditions apply. Click for full details.
LIMITED TIME OFFERS

$100 New Checking Bonus*

$150 New Auto Loan Bonus*

4.00% APY 12-Month CD*

Plus other special rates and discounts for
those in heroic professions.
*APY-Annual Percentage Yield. Terms and Conditions Apply.
Click "Get Started" to learn more.

Finally, a credit union that gets it. 

Get financial options that bring you closer to your goals and the life you want to live.
That's what good banking is all about.

Read More About

Good Money Habits

Mastering Good Credit

Whether you're looking to save on insurance, snag lower credit card rates, or simply want more housing options, understanding your credit score is the first step towards achieving your financial dreams. Ready to unlock the full potential of your credit score? Watch the video and download your PDF guide below today!

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.

 
 

How to Read a Credit Report

If you don't know how to read a credit report or don’t know your credit score, raise your hand.
First, the good news: you're not alone. According to a recent study from BadCredit.org, more than 30% of Americans have no idea what their credit score is. 
(Opens in a new Window)

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. 
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couple laughing together outside
woman smiling inside car looking out of the window

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.

Looking for your dream wheels?
Hop online and find your perfect ride—it's easy!

Visit Member Auto Center


Rate Highlights

Deposit & Loan Rates

High-Yield Checking with Members Choice Complete Checking®

$0 to Open – Earn up to
4.07% APY*
---------

Maximum Money Market™ Account

$0 to Open – Earn up to
3.00% APY*
up with a 6-Month Promo Rate1


Limited Time Promo Rate CD

7-Month CD 4.00% APY*
14-Month CD 3.75% APY*
---------

 Helping Heroes 12 Month CD

1.00% Rate Increase on current 12-Month CD Rates, Exclusively for Community Heroes2
4.00% APY* 12-Month Standard
 

Consumer Loan Rates

New and Pre-Owned Autos
12-36 Months 
As low as 4.49% APR**
---------
Unsecured Signature Loans
Up to 12 months
As low as 8.99% APR**
---------
HomePlus Personal Loans
Unsecured, 37-60 Months 
As low as 9.79% APR**
 

Mortgage Rates


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.
 
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All rates are subject to change at any time without notice. Rates shown reflect available rate discounts. View related rates pages for full disclosures.
*Annual Percentage Yield (APY) is accurate as of April 18, 2025. View Consumer Deposit Rates.
**Annual Percentage Rate (APR) is accurate as of January 16, 2025. View Consumer Loan Rates.



1 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 ac-count 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. APY applies for six (6) months after account opening (“Promotional Period”). After the Promotional Period, APY will be the then current applicable APY for the Maximum Money Market Account applicable tier. Promotion may end at any time. If $50,000 New Money is not deposited within twelve (12) days of account opening, applicable APY for Maximum Money Market Account applies. 
2 Limited time savings offer. Cannot be combined with any other offers. Applicable to new Savings Accounts and Certificate of Deposits only. Offer valid for individuals in the following eligible professions and are subject to verification: Medical Professionals such as doctors and nurses, Active-Duty Law Enforcement Officers, Active-Duty Military and Military Veterans, Teaching Profession – Teachers and Administrative Staff. Applicants must select "I qualify as a HERO" in the online application process in order for applicable discounts and savings to apply. You must be a member or eligible for membership to qualify. Rates, terms and conditions are subject to change without notice.