*GENERAL PROGRAM DISCLOSURES

Offer Eligibility: Offer available to new  members only. A “new member” is defined as the primary account holder who joined in the past 30 days and has not previously held a Members Choice membership (or been listed as the primary on any account) in the past 24 months. Membership eligibility required. Must be 18 years or older to qualify. Business accounts and minor accounts are not eligible for this promotion.

Promo Code Requirement: To qualify for these offers, you must use the promo code NEWREWARDS during account opening where applicable. Promo code must be applied at time of loan or deposit account opening to activate bonus eligibility. The qualification period for all eligible product bonuses begins after the promo code is applied.

Qualification Period: All required account activities must be completed within 60 days (or as otherwise stated) from the date the promo code is applied. For credit card, qualification periods extends to 90 days as noted.

Bonus Payout Timing: Bonus rewards will be paid within 30 days after the end of the qualification period into the primary accountholder’s main savings account, provided all conditions have been met and accounts are in good standing at the time of payout.

Account Standing: All qualifying accounts must remain open and in good standing through the reward fulfillment date. Members Choice reserves the right to withhold or reclaim rewards for accounts closed prior to reward payout or accounts not in good standing.

Program Limits: Bonuses are limited to one per account type per member, where noted below. Maximum total incentive per new member is $3,000 ($3,500 for those qualifying in a Heroic Profession). Heroes must self-identify during the application process to receive the additional $500 Mortgage Closing Cost Credit opportunity.

Tax Information: Bonus rewards are subject to IRS reporting. Member is solely responsible for  any applicable taxes. Please consult a tax advisor.

Program Changes: Offers are subject to change or withdrawal without notice. Other restrictions may apply. Members Choice reserves the right to modify or end this offer at any time.

Checking Account $300 Bonus: Earn $300 when you receive at least two qualifying direct deposits that combined total $1,000 or more within 60 days of opening your new Members Choice consumer account using promo code NEWREWARDS. Qualifying direct deposits are electronic deposits of salary, pension, government benefits, or other regular monthly income. Person-to-person payments and internal transfers do not qualify. Offer subject to income tax reporting. Only one checking bonus may be earned per member.

Auto Loan Bonus ($250 New or $150 Refinance): Earn $250 for a new auto loan of $30,000 or more, or $150 for a refinanced auto loan of $15,000 or more when using promo code NEWREWARDS. Loan must be funded and in good standing within 60 days. Existing Members Choice auto loans do not qualify. Offer  subject to income tax reporting. Only one new auto bonus and one refinanced auto bonus may be earned per member.

RV, Motorcycle, or Boat Loan $200 Bonus: Earn $200 for a funded loan of $20,000 or more for a new, used, or refinanced recreational vehicle, motorcycle, or boat when using promo code NEWREWARDS. Loan must be in good standing within 60 days of funding. Offer  subject to income tax reporting. Only one RV/motorcycle/boat loan bonus may be earned per member.

Mortgage Purchase Closing Cost Credit ($1500 Heroic Professions or $1000 General Members): General members can receive a $1,000 credit at closing on any new primary residential home purchase with a minimum loan amount of $50,000 and maximum of $806,500. Members in qualifying Heroic Profession are eligible for an additional $500. Closing Cost Credit is a general lender credit that will be on the final closing disclosure. Subject to credit approval and other terms and conditions may apply. Cannot be combined with any other mortgage offers. 

Choice Cash Visa^® Credit Card $150 Rebate: Earn a $150 rebate after spending $1,000 on purchases within 90 days of account opening. Balance transfers, cash advances, and ATM withdrawals do not qualify. Account must be in good standing at the time of reward fulfillment. 

Personal Loan $300 Bonus: Earn $300 when you open a new personal loan of $10,000 or more, funded and in good standing within 60 days. Must be a fixed-term installment loan opened using promo code NEWREWARDS. Existing Members Choice loans do not qualify. Offer subject to income tax reporting. Only one personal loan bonus may be earned per member.

Personal Line of Credit $150 Bonus: Earn $150 when you open a new personal line of credit and complete at least one $1,000 draw within 60 days of opening. Line must remain in good standing and opened using promo code NEWREWARDS. Offer may be subject to income tax reporting. Only one personal line of credit bonus may be earned per member.

Home Equity Loan $500 Closing Cost Credit: Receive a $500 credit at closing for any new Home Equity Loan of $50,000 or more. Offer applies only to closed-end Home Equity Loans. Subject to credit approval and available equity. Closing Cost Credit is a general lender credit that will be on the final closing disclosure. Certain terms and conditions may apply. Cannot be combined with any other mortgage offers.

All memberships and credit products are subject to approval including credit approval.

About Members Choice Credit Union
At Members Choice Credit Union, we are more than a financial institution; we are your partners in bringing you closer to the life you aspire to live. For over 80 years, we've been dedicated to empowering families across Houston, Texas. Whether it’s buying your first home, driving off in a new car, building your savings, or becoming debt-free, we provide the tools and support to help you pursue your goals with confidence. Join us in discovering your version of "the good life". 

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