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Member Discounts and Offers

Members Choice Credit Union members have access to these great offers and discounts that add up to additional savings

LIMITED TIME OFFER
Maximum Money Market™ New Account Promotional Rate

3.00% APY*
 
6-Month Promotional Rate on all balances over $50,000 when you open your account with $50,000 or more of new money.1
 

LIMITED TIME OFFER
Debt Consolidation Loan Rate Discounts

Get a 3.00% in Rate Discount

Don't let credit cards and other debt steal your peace of mind—take control now!2
 

LIMITED TIME OFFER
$1,000 Closing Cost Credit

Get low rates and $1,000 off your new home Mortgage.3

Special closing cost discount makes closing on your new home even more affordable. Ask us about additional savings for Community Heroes!

It pays to be a Member at Members Choice Credit Union


Promotional Savings Rates

  • 3.00% APY* 6-Month Promotional Rate for New Maximum Money Market™ Accounts1
  • 4.00% APY*  7-Month Promotional Rate CD
  • 3.75% APY* 14-Month Promotional Rate CD
  • 3.75% APY* 18-Month, 24-Month or 36-Month CD CD




Promotional Loan & Mortgage Rates

LIMITED TIME OFFER: Say "buh-bye" to high interest debt with a Debt Consolidation Personal Loan. 
Rates as low as 7.99% APR*
25-36 Months. Other terms available. Select "Debt Consolidation" on your application.2



 
 

Choice100 Mortgage offers 100% financing with NO PMI.

Limited Time Offer Rates as Low As 7.24%
30-Year 100% Financing3
(7.138% APR*) | 15, 20-Year Terms Also Available

Plus, for a limited time, you can get a $1,000 Closing Cost Credit3


Match or beat your current rate auto loan rate by up to 2% when you refinance with us:4
  • Drive down your monthly payment when you refinance your car loan with us.
  • Or, get a cash-out refi of up to 125% financing to turn car's equity into fast cash.



 



Loyalty Rate Discounts

Reduce your Auto Loan rates. Get up to .50% in member exclusive rate discounts:
  • .10% for an automatic loan payment transfer from an MCCU checking account,
  • .30% for checking account direct deposit at the time of funding,
  • .10% for a new or increased Credit Card.
 
 
 
 
Reduce your Unsecured Personal Loan rates. LIMITED TIME OFFER: Get up to 2.00% in member exclusive rate discounts:5
  • .50% for an automatic loan payment transfer from an MCCU checking account,
  • 1.00% for checking account direct deposit at the time of funding,
  • .50% for a new or increased Credit Card.
 
 
 
Get up to 1.50% in member exclusive rate discounts on Unsecured HomePlus Personal Loans:6
  • .75% for 15-year homeownership (.25% for every 5 years),
  • .25% for a mortgage with MCCU,
  • .25% for an auto loan with MCCU,
  • .25% for an automatic loan payment transfer from a MCCU checking account.

 

Helping Heroes Savings Program

We help members in heroic professions save money with special rates on loans and savings discounts.7
  • Savings Account: Get an additional .75% on current rates for 12 months after account opening
  • Get an addition 1.00% rate increase on 12 Month Regular or Jumbo Certificate of Deposit (CD)
  • Get a 1.00% rate discount on Unsecured Personal Loans
  • Get a .50% rate discount on Auto Loans
  • $1,500 Closing Cost Credit on new Mortgage Loan purchases

 

 

Side Hustle Duo Discount

Save with a Duo Discount perk. Enjoy a 0.50% discount on your Personal Loan and Personal Auto Loan rate when you have BOTH a Free Business Checking and a personal Complete Checking account with us.8
 

"Skip-A-Pay" on Your Loan

Free up some funds by skipping a qualified loan payment without impacting your credit score. Read more about how our members can qualify.
 

Love My Credit Union Rewards

Provides access to savings of up to 50% or more off the retail price on products and services you use every day. These aren't the limited offers you’ll find on normal “deals” websites, these are far greater and deeper savings.
















Disclosures

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval. 
 
* Annual Percentage Rate (APR) is accurate as of January 16, 2025. Annual Percentage Yield (APY) is accurate as of April 18, 2025.
 
 
1 Maximum Money Market™ Promotional Rate. See full Money Market disclosures (PDF). To be eligible, 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 Debt Consolidation Loan Rate Discounts. Review current loan rates and terms.(Opens in a new Window) Rates are subject to change without notice. Rates shown reflect available rate discounts. Members Choice members can get 3.00% in rate discounts: When selecting the loan purpose as Debt Consolidation. Limited time offer. No other discounts will apply. Subject to additional underwriting review. Minimum term is 25 months. Other rates and terms are available.
 
3 Mortgage Closing Cost Credit. Good for $1,000 off your closing costs as a General Lender Credit when you close on a mortgage with the Members Choice team. Limited time offer valid March 8, 2025 through August 31, 2025 on residential purchases with a minimum loan amount of $50,000 and maximum of $806,500. Mortgage refinances and land purchases do not qualify. Contract must be accepted by August 31, 2025 for purchase to qualify. May not be combined with other offers. Other terms and conditions may apply. 100% Financing Fixed-Rate Mortgage: Rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103 for more information. Purchase for primary residence Single Family Home or Townhome located in Texas only. Manufactured homes, and Condominiums not allowed. Our maximum loan-to-value is 100% with a 43% maximum DTI and a minimum 680 FICO. Requires minimum of two years employment in same industry. No history of bankruptcy or foreclosures. Appraisal fee collected at time of ordering. $50,000 minimum loan amount. $806,500 maximum loan amount. Rates shown are based on a $300,000 loan amount with a 740 FICO credit score.
 
4 Match or Beat Your Auto Loan Rate. Limited time offer. Offer may end any time, and without notice. Members Credit Union will match or beat a member's current auto loan rate by 2%, not exceeding our lowest 37-60 month rate based on a member’s credit tier. Proof of current rate is required. Forms of proof include but not limited to: Online banking screen print, purchase agreement, statements, or any other methods for documentation purposes. Changes to ownership do not qualify for program. No other discounts will apply. Existing Members Choice Credit Union auto loans are ineligible for this refinancing offer. Not eligible for purchases. Vehicles must have a Texas title. Other terms and conditions may apply. 
 
5 Personal Loan Rate Discounts. Review current loan rates and terms. Rates and offers are subject to change without notice. Rates shown reflect available rate discounts. Members Choice members can get up to 2.00% in rate discounts: .50% for an automatic loan payment transfer from an MCCU checking account, 1.00% for checking account direct deposit at the time of funding, .50% for a new or increased Credit Card. Limited time offer. No other discounts will apply. Other rates and terms are available. Subject to credit review. May not be combined with other offers. 24 hours Loan Decision Time is based on normal business hours. If application is received during business hours. Weekend applications get processed the following business day. Some variances may occur.
 
6 HomePlus Personal Loans. Review current loan rates and terms.(Opens in a new Window) Rates shown reflect available rate discounts. For homeowners with at least one year of current mortgage payments. Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges. Members Choice members can get up to 1.50% in rate discounts: .75% for 15-year homeownership (.25% for every 5 years), .25% for a mortgage with MCCU, .25% for an auto loan with MCCU, .25% for an automatic loan payment transfer from an MCCU checking account.
 
7 Helping Heroes Program. Additional terms and conditions apply. Read more details: https://info.mccu.com/helping-heroes
$1,500 Closing Cost Credit is a general lender credit that will be provided on mortgage closing. Offer valid on any residential home purchases with a minimum loan amount of $50,000 and maximum of $806,500. Certain terms and conditions apply. Cannot be combined with any other offers.
 

8 To qualify for the Duo Discount on your personal account, you need to meet these requirements: 
  • Must maintain an average monthly balance of $2,500 in the business checking account for the previous 90 days to qualify.
  • Only members with both the stated business checking account and personal Complete Checking account in good standing qualify.
  • Discounts are for an Unsecured Personal Loan or Personal Auto Loan and can not be combined with any other discounts or offers.
  • If a member qualifies for both, the discount can apply to both loans.
  • The only limit is one unsecured loan discount and one auto loan discount per member.
  • Not offered for business lending.