Members Choice Credit Union


Lock in Your Savings Today

5.25% APY* Promo CDs

Limited Time Promotional Rate for
9-month or 14-month Certificate of Deposits

Terms and conditions apply. Learn More for details.

Get $250 Cash Back

on Your Auto Loan

Hurry! Offer end on September 30, 2023.

Terms and conditions apply. Learn More for details.

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High-Yield Checking

Earn up to 4.07% APY*

Plus, Unlimited Cash back Rewards
with a Complete Checking Account

Terms and conditions apply. Learn More for details.

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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Special Savings Rates and Loan Discounts for Community Heroes

The HERO Savings Program provides law enforcement, first responders, military, educators and healthcare professionals with loan rate discounts and higher savings yields.
Terms and conditions apply. Learn More for details.
News & Events

You Won’t Want to Miss

Katy Area Safety Fest

Join Members Choice Credit Union at the Katy Area Safety Fest! Stop by our tent to meet our team, grab some giveaways, and have your chance at winning some cash in our money machine! 

September 16, 2023
10:00 AM - 3:00 PM


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.

 
 

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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. 
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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

High-Yield Checking with Members Choice Complete Checking™

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

Maximum Money Market™ Account

$50,000 and over
3.56% APY*
Or 4.33% 6-Month Promotional Rate1

Limited Time Promo Rate CD

Choose Your Term – Get this High-Yield 9-Month or 14-Month CD
  5.25% APY*
---------

 Helping Heroes 12 Month CD

1.00% Increase on current 12 Month CD Rates, Exclusively for Community Heroes2
3.28% APY 12-Month Standard
3.38% APY 12-Month Jumbo
 

Consumer Loan Rates

New and Pre-Owned Autos
12-36 Months 
As low as 4.59% APR**
---------
Unsecured Signature Loans
Up to 12 months
As low as 9.10% APR**
---------
HomePlus Personal Loans
Unsecured, 37-60 Months 
As low as 8.69% 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. 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.
1Maximum 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.
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.