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Personal Solutions

We’re the credit union for families like yours. And we’re here for you with the best personal banking and lending solutions for every stage in your life.

Earning your trust to grow together

We know how important it is to trust your financial institution. Contrary to a bank, credit unions are owned and operated by its members. Your dreams and goals matter to us. Members Choice is here to serve and operate in the best interests of our members. With our personal finance solutions, we are often able to offer higher interest rates for your savings and lower interest rates on our loans and credit cards.
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Credit Cards
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Personal solutions designed for every lifestyle

At Members Choice Credit Union, we offer a variety of financial solutions that are personalized to every lifestyle. Whichever stage of life you’re in, we’re here to help every step of the way to reach your goals.
Starting your journey to financial independence can seem complicated. Get the convenience you want today and the planning you need for tomorrow. Our mobile and online banking, personalized service, and financial products are designed to assist you in taking control of your future.

Manage Your Money

Our checking accounts can help you build the base for your finances, budgeting, and plan for future savings. Complete Checking is a high-yield checking account with an early pay feature!

Build Your Credit History

Our credit cards offer a great way to build your credit so you can start making important purchases sooner.

Refinance Your Student Loans

Members Choice can work with you to make paying off your student loans more manageable.

Apply for an Auto Loan

Consistently traveling around the Houston area and need your own car? Sometimes it makes sense to finance — we’re here to help you make the right auto loan decision. We even have a program for first-time auto buyers!
Looking for the best way to pay your home loan, start saving for college, and build a retirement fund while still having wiggle room for vacations or medical needs? We are here to help. Members Choice has personalized plans that can guide you in reaching your goals without having to give up too much of your own time. We’ll help you plan for your future so you can focus on enjoying time with your family.

Start Saving for Their Future

Our CDs and Money Market accounts are great options to help you save for your future, and your children's college.

Using Credit When You Need It

Getting home equity, home improvement, or personal loans could help you pay for new furnishings, a pool, or even take your parents on a dream vacation.

Get Rewarded for your Checking

Open a Complete Checking account to receive high-yield returns and cashback rewards on your everyday debit card purchases.

Move Into Your Dream Home

Buying a home is exciting but navigating the mortgage process can be daunting. Our advisors will guide you through the mortgage process and help you find the best home loan for your situation.
You’ve worked hard for what you have. It’s time to put your financial strength to work for you. You need to maintain your financial security, but you also want to take the time to enjoy life. From growing your savings, to funding a family vacation, or to affording a boat or RV, we’re here to help you plan.

Get to Your Recreational Goals

Get a consultation with our mortgage team to learn about Texas Land Loans for recreational rural land purchases or our exclusive FlexChoice convertible mortgage loan for better rates.

Enjoy the Good Times

You've worked hard to build your life, and now it's time to enjoy it. Whether you're planning to travel the country in an RV or enjoy family time on a boat, we're here to help those dreams come true.

Get Rewarded for your Checking

Open a Complete Checking account to receive high-yield returns and cashback rewards on your everyday debit card purchases.

Saving for Your Future

Consolidate your financial life with a Money Market Savings account or CD that will earn more interest and allow you to build your savings worry-free, or fund that family vacation.

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See What Our Members are Saying!

It is so nice walking in, to take care of banking issues, to be greeted with smiling faces. They are always willing to help with any of your credit union issues, not just deposits and withdrawals. Any issue you have with your mobile banking or resetting pins their staff is willing to help. They are patient and understanding and are even great with kids (don’t forget to open an account for them). It is nice to be part of a credit union where they appreciate you and do not seem nickel and dime you. They actually give you interest and help you make your money work for you.
- Donna M.

See What Our Members are Saying!

I have been a MCCU customer for over 10 years and I can't say enough great things about this bank and the employees. We have had several loans and have over 8 accounts with MCCU. My kids and family all have accounts too. I never pay any fees for anything! I love being able to contact someone at the actual branch when I need anything and I am never sent to someone in another state. The personal touch is what I like the best. I don't know why anyone would not want to be a MCCU customer. The "Big" banks don't show the same respect, personalization and care as MCCU. 
- Trudy M.

Are you ready to become a member?

When you join Members Choice Credit Union, you become a member-owner in a local financial cooperative. Our mission is based on people-helping-people, and we are here to serve your best interest.

Join Online

Apply online now to open your membership account.

Open an Account in a Branch

To apply in person, visit a branch near you.


If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.