1Annual Percentage Yield (APY) is accurate as of November 1, 2025. Rates may change at any time without notice, before or after the account is opened. Fees could reduce earnings on the account. Minimum opening balance is $0. Minimum to earn APY is $0.01. Additional terms and conditions apply. View complete list of deposit disclosures and Fee Schedule.
Complete Checking Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. Rewards will be calculated and paid on the last day of each cycle. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle. Complete Checking accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. View complete list of balance tiers.
2CHECKING ACCOUNT BONUS DISCLOSURES
Checking Account $300 Bonus: Earn $300 when you receive at least two qualifying direct deposits that combined total $1,000 or more within sixty (60) days of opening your new Members Choice consumer account using promo code NEWREWARDS. Person-to-person payments and internal transfers do not qualify. Only one checking bonus may be earned per member. Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes.
Offer Eligibility: To qualify, membership must be less than thirty (30) days old and has not previously held a Members Choice membership in the past twenty four (24) months. Membership eligibility required. Must be 18 years or older to qualify. Business accounts and minor accounts not eligible.
Bonus Payout Timing: Bonus rewards will be paid within thirty (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.
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.
3Early Pay: At our sole discretion, we may make your money available to you up to two days before we receive the funds from the payor. Not all direct deposits are eligible for Early Payday. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early access to funds is dependent on submission of direct deposit by payor and standard fraud prevention restrictions. Any direct deposit not posted early will be made available according to our Funds Availability schedule. We reserve the right to discontinue the service at our sole discretion and without notice. Available only for consumer accounts.
4Zelle®: U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Data charges may apply. Check with your mobile phone carrier for details.
5ATM Fee Rebates: For any Complete Checking account, if you have met your qualifications during the monthly qualification cycle we will reimburse you for ATM fees imposed during the monthly qualification cycle by our institution and other U.S. financial institutions. The maximum ATM fee rebate is $25 for one qualification cycle. ATM fee rebates will be transferred to your checking account.
6High-Yield Savings Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must meet the qualifications on the related Complete Checking account in good standing on the same member account: receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. If account requirements are not met, the dividend rate on the entire balance is .05% APY for that monthly cycle. High-Yield Savings accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. View complete list of balance tiers.
Additional High-Yield Savings Terms and Conditions
The High Yield Savings Account is a tiered-rate variable account that requires an active, qualifying Members Choice Complete Checking® account each month to earn the disclosed dividend rates. No monthly service fees apply to this account.
Limit one High-Yield Savings account per member. This account is not available for minors, student accounts, special accounts, or business accounts. Not eligible to be pledged as collateral or used for share-secured loans.
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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