Members Choice Credit Union

If you’re expecting an Advance Child Tax Credit Payment, please check Online Banking or use our Mobile Banking App to check for a deposit. Our Member Advocates are not able to provide an update on the status of the Advance Child Tax Credit Payment. You may check if you’re enrolled to receive a payment using the IRS payment portal for an update. Learn More

Get Extra Funds Using the Equity in Your Home

Achieve your home improvement goals, cover unexpected expenses, or consolidate debt with a low-rate Home Equity Loan.

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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

Car Buying: The Basics of Getting Started

A new car is second only to a home as the most expensive purchase many consumers make. That's why it's important to know how to make a smart deal.
 

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.

Stay Safe and Alert. Tips to Avoid Common Coronavirus Scams.

We're here to help you stay protected from scammers that attempt to take advantage of any current fears and concerns, or prey on a desire to help others. As part of our mission to provide financial solutions and resources, we're providing information to help avoid common coronavirus scams. 

Protecting Your Credit During a Pandemic

The COVID-19 pandemic has shaken the global economy, disrupting many businesses and people's finances. Now it 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

This year 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 managing your payments, funding purchases or consolidating debt, 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
.10% APY*
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Money Market Account
$50,000 and over
.15% APY*
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Certificates of Deposit
Six to 60 Month Certificates
.10% to .60% APY*
 
 
Consumer Loan Rates
New and Pre-Owned Autos
12-36 Months 
As low as 1.99% APR**
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Unsecured Signature Loans
Up to 12 months
As low as 6.04% APR, including our limited time .80% rate discount for MCCU's 80th Anniversary**
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HomePlus Personal Loans
Unsecured, 37-60 Months 
As low as 5.75% APR**
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Seasonal Loans
12 months - $1,000 - $5,000
As low as 5.04% APR, including our limited time .80% rate discount for MCCU's 80th Anniversary**
 
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.
Rates are issued daily.
Current example for a $200,000 loan amount at 80% loan-to-value: 
15 Year Fixed 2.954% APR**
30 Year Fixed 3.3% APR**
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Please 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.