What are the current interest rates at Members Choice Credit Union?

Current rates for Members Choice Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.75%, 24-Month CD: 3.51%, 60-Month CD: 2.50%, Savings: 0.05%, MMA: 0.05%

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Members Choice Credit Union

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Members Choice Credit Union Rates & Review August 2026

Q: Is a member application needed to join Members Choice Credit Union?

Yes, to access services at Members Choice Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Members Choice Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Members Choice Credit Union's 7 Month Promotional CD rates are at 4.00%, Business 7 Month Promotional CD rates are at 4.00%, 7 Month Jumbo Promotional CD rates are at 4.00%, Business CD Ladder-5 Month rates are at 3.90%, 5-10-15-20 month Business High Five CD Ladder rates are at 3.90%. Members Choice Credit Union's savings rates are at 0.05%. Members Choice Credit Union's money market rates are at 0.05%. Members Choice Credit Union's 5/1 Adjustable-Rate Loan rates are at 5.99%, 5/1 FlexChoice Convertible Loan rates are at 5.99%, 7/1 Adjustable-Rate Loan rates are at 6.29%, Conventional Fixed-Rate 15-Year rates are at 6.24%, 7/1 FlexChoice Convertible Loan rates are at 6.37%. Members Choice Credit Union's Personal Loan Rates are at 8.24%. MonitorBankRates evaluates the financial stability of Members Choice Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.88%. Rates last updated and verified on 08/28/2026.

Members Choice Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Members Choice Credit Union? Share your experience about Members Choice Credit Union by leaving a review below, or read customer reviews before you decide to use Members Choice Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.88%

Excellent Higher than avg

Members Choice Credit Union
Corporate Office

18211 Katy Fwy
Houston, TX 77094 1395

https://www.mccu.com

Members Choice Credit Union CD Rates

Product	Rate	APY	Term
7 Month Promotional CD	3.93%	4.00%	7 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business 7 Month Promotional CD	3.93%	4.00%	7 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
7 Month Jumbo Promotional CD	3.93%	4.00%	7 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business CD Ladder-5 Month	3.83%	3.90%	5 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
5-10-15-20 month Business High Five CD Ladder	-	3.90%	5-10-15-20 Months
Min Deposit $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
CD Ladder-5 Month	3.83%	3.90%	5 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
5-10-15-20 month High Five CD Ladder	-	3.90%	5-10-15-20 Months
Min Deposit $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
18 Month CD	3.69%	3.75%	18 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
18 Month Standard IRA CD	3.69%	3.75%	18 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business 18 Month CD	3.69%	3.75%	18 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business CD Ladder-10 Month	3.69%	3.75%	10 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
CD Ladder-10 Month	3.69%	3.75%	10 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
18 Month Jumbo CD	3.69%	3.75%	18 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
14 Month Promotional CD	3.59%	3.65%	14 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business 14 Month Promotional CD	3.59%	3.65%	14 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
14 Month Jumbo Promotional CD	3.59%	3.65%	14 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
24 Month CD	3.45%	3.51%	24 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
24 Month Standard IRA CD	3.45%	3.51%	24 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business 24 Month CD	3.45%	3.51%	24 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business CD Ladder-15 Month	3.45%	3.51%	15 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business CD Ladder-20 Month	3.45%	3.51%	20 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
CD Ladder-15 Month	3.45%	3.51%	15 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
CD Ladder-20 Month	3.45%	3.51%	20 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
24 Month Jumbo CD	3.45%	3.51%	24 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
36 Month CD	3.20%	3.25%	36 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
36 Month Standard IRA CD	3.20%	3.25%	36 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business 36 Month CD	3.20%	3.25%	36 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
36 Month Jumbo CD	3.20%	3.25%	36 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
12 Month CD	2.96%	3.00%	12 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
12 Month Standard IRA CD	2.96%	3.00%	12 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
6 Month CD	2.96%	3.00%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
6 Month Standard IRA CD	2.96%	3.00%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business 12 Month CD	2.96%	3.00%	12 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business 6 Month CD	2.96%	3.00%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
6 Month Jumbo CD	2.96%	3.00%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
48 Month CD	2.72%	2.75%	48 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
48 Month Standard IRA CD	2.72%	2.75%	48 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business 48 Month CD	2.72%	2.75%	48 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
48 Month Jumbo CD	2.72%	2.75%	48 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
60 Month CD	2.47%	2.50%	60 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
60 Month Standard IRA CD	2.47%	2.50%	60 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business 60 Month CD	2.47%	2.50%	60 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
60 Month Jumbo CD	2.47%	2.50%	60 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%

Members Choice Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings Account	2.96%	3.00%
Min Balance $0 Details Earn high-yield dividends with your qualifying Members Choice Complete® Checking account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Savings Account	0.10%	2.25%
Min Balance $50,000 Details Earn high-yield dividends with your qualifying Members Choice Complete® Checking account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business Savings Account	0.05%	0.05%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Savings Account	-	0.05%
Min Deposit $0 Min Balance $0 Details If account requirements are not met, the dividend rate on the entire balance is .05% APY for that monthly cycle. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Main Savings Account	0.05%	0.05%
Min Deposit $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%

Members Choice Credit Union Money Market Rates

Product	Rate	APY
Business High-Yield Variable Rate - Maximum Money MarketTM	2.96%	3.00%
Min Balance $50,000 Details LIMITED TIME 6-Month New Account Promotional Rate Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business High-Yield Variable Rate - Maximum Money MarketTM	2.25%	2.27%
Min Balance $1,000,000 Details Rate: WSJP minus 4.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Variable Rate - Maximum Money MarketTM	2.25%	2.27%
Min Balance $1,000,000 Details WSJP minus 4.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business High-Yield Variable Rate - Maximum Money MarketTM	1.25%	1.26%
Min Balance $500,000 Details Rate: WSJP minus 5.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Variable Rate - Maximum Money MarketTM	1.25%	1.26%
Min Balance $500,000 Details WSJP minus 5.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business High-Yield Variable Rate - Maximum Money MarketTM	0.50%	0.50%
Min Balance $50,000 Details Rate: WSJP minus 7.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Variable Rate - Maximum Money MarketTM	0.50%	0.50%
Min Balance $50,000 Details WSJP minus 7.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Classic Money Market	0.15%	0.15%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Fixed Rate - Business Classic Money Market	0.15%	0.15%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Business High-Yield Variable Rate - Maximum Money MarketTM	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Classic Money Market	0.10%	0.10%
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Fixed Rate - Business Classic Money Market	0.10%	0.10%
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Variable Rate - Maximum Money MarketTM	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Maximum Money MarketTM	-	0.05%
Min Deposit $0 Min Balance $0 Details The Dividend Rate and Annual Percentage Yield for the lowest balance tier can change as determined by the Board of Directors. The Dividend Rate, Annual Percentage Yield, and Margin, for the other balance tiers will be adjusted at the sole discretion of the Credit Union on the first of the month following a change to the index, Wall Street Journal Prime (WSJP). The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates. Rate tiers, with the exception of the first tier, will have a floor rate of no less than 0.50% Annual Percentage Rate. Maximum MMAs, Classic MMAs, and Savings accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account. WSJP 6.75 % - Current WSJP effective as of December 10, 2025. Variable dividend rate is adjusted on the first day of each month following a change in the index. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%

Members Choice Credit Union Checking Rates

Product	Rate	APY
High-Yield Complete Checking Account	4.00%	4.07%
Min Balance $0 Details No minimum balance required. No monthly maintenance fees. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Complete Checking Account	0.75%	2.02%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Complete Checking Account	0.05%	1.59%
Min Balance $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Business Checking	0.05%	0.80%
Min Deposit $25,000 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Business Checking	1.00%	0.67%
Min Deposit $15,000 Min Balance $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Student Saver Checking	0.25%	0.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
High-Yield Complete Checking Account	-	0.00%
Min Deposit $0 Min Balance $0 Details If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%

Members Choice Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/1 Adjustable-Rate Loan	5.99%	-	6.16%	5/1
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
5/1 FlexChoice Convertible Loan	5.99%	-	6.16%	5/1
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
7/1 Adjustable-Rate Loan	6.29%	-	6.46%	7/1
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Conventional Fixed Rate Primary Home Purchase or Refi	-	-	6.49%
Details As Low As; INCLUDES a special .25% LIMITED TIME rate discount for your primary home purchase or rate and term refi! Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Conventional Fixed-Rate 15-Year	6.24%	-	6.53%	15-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
7/1 FlexChoice Convertible Loan	6.37%	-	6.54%	7/1
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Conventional Fixed-Rate 30-Year	6.49%	-	6.67%	30-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Conventional Fixed-Rate 20-Year	6.49%	-	6.72%	20-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
10/1 Adjustable-Rate Loan	6.59%	-	6.77%	10/1
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
10/1 FlexChoice Convertible Loan	6.74%	-	6.92%	10/1
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%

Members Choice Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.49%
Details As Low As; A flexible way to access your home's equity for those Spring home improvements projects! Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
HELOC Variable Rate Revolving Line of Credit - Draw Period + Repayment Period (1st Lien)	6.75%	-	6.81%
Details Rates As Low As; Variable Rate Revolving Line of Credit - Draw Period + Repayment Period Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
First Lien Home Equity - 15-Year	6.49%	-	6.96%	15-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
HELOC Variable Rate Revolving Line of Credit - Draw Period + Repayment Period (2nd Lien)	7.00%	-	7.06%
Details Rates As Low As; Variable Rate Revolving Line of Credit - Draw Period + Repayment Period Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
First Lien Home Equity - 20-Year	6.74%	-	7.12%	20-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
First Lien Home Equity - 30-Year	6.99%	-	7.29%	30-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Second Lien Home Equity - 15-Year	6.99%	-	7.47%	15-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Second Lien Home Equity - 20-Year	7.24%	-	7.63%	20-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
HELOC Unimproved Residential Land - 10-Year	7.75%	-	8.31%	10-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
HELOC Unimproved Residential Land - 15-Year	8.00%	-	8.41%	15-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
HELOC Unimproved Residential Land - 20-Year	8.25%	-	8.59%	20-Year
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%

Members Choice Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.24%	12 Months
Details As Low As; Other terms available. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
New and Pre-Owned Autos	-	-	3.24%	12-36 Months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
New Autos	-	-	3.24%	12 - 36 months
Details Rates as low as* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Pre-Owned Autos	-	-	3.24%	12 - 36 months
Details Rates as low as* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
New Autos	-	-	4.99%	37 - 60 months
Details Rates as low as* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Pre-Owned Autos	-	-	4.99%	37 - 60 months
Details Rates as low as* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
New Autos	-	-	5.49%	61 - 72 months
Details Rates as low as* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Pre-Owned Autos	-	-	5.49%	61 - 72 months
Details Rates as low as* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
New Autos	-	-	6.24%	73 - 84 months
Details Rates as low as* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Pre-Owned Autos	-	-	6.24%	73 - 84 months
Details Rates as low as* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%

Members Choice Credit Union Personal Loan Rates

Product	Rate	APR
Unsecured / Signature Personal Loan	-	8.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
HomePlus Personal Loan	-	8.49%
Details ($10,000 minimum) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
HomePlus Unsecured Personal Loan	-	8.49%
Details As Low As; Exclusive personal loan for homeowners from $10K to $30K without tapping equity. Other terms available. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
HomePlus Personal Loan	-	9.49%
Details ($20,000 minimum) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Unsecured / Signature Personal Loan	-	10.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
HomePlus Personal Loan	-	10.49%
Details ($30,000 maximum) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Unsecured / Signature Personal Loan	-	11.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Unsecured / Signature Personal Loan	-	12.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%
Unsecured / Signature Personal Loan	-	13.24%
Details As Low As; minimum loan amount is $20,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.88%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Members Choice Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Members Choice Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Members Choice Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Members Choice Credit Union

Website https://www.mccu.com

Address 18211 Katy Fwy, Houston, TX 77094 1395

Phone 281-398-9900

Fax 281-398-9898

President Johnny Williams

CEO Luke Billeri

Full-Time Employees 120

Part-Time Employees 0

Branch Locations 7

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.88%

Return on Assets (ROA)

0.1810%

Return on Equity (ROE)

2.1644%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

727,684,909

Total Amount of Shares and Deposits

553,864,302

Total Shares and Deposits < 1 Year

529,532,562

Total Shares and Deposits 1 3 Years

21,047,864

Total Shares and Deposits > 3 Years

3,283,876

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

48,883,030

Total Uninsured Shares and Deposits > $250K (F+J)

48,883,030

Total Insured Shares and Deposits > $250K (item 17 less item K)

504,981,272

Total Interest Expense (Sum of items 6 8)

9,839,565

Share Certificates

3,919

Number of Accounts for Share Drafts

28,196

IRA KEOGH Accounts

390

Number of Accounts for Regular Shares

49,618

Money Market Shares

1,467

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

26,383,094

Total Liabilities

678,137,752

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Members Choice Credit Union

How many branches does Members Choice Credit Union operate?

Members Choice Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Members Choice Credit Union?

Yes, to access services at Members Choice Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Members Choice Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Members Choice Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Members Choice Credit Union offer online and mobile banking?

Most modern institutions like Members Choice Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mccu.com.