Annual Percentage Yield (APY) is accurate as of January 1, 2026. Rates are subject to change without notice. View complete list of deposit disclosures and fee schedule.
Annual Percentage Rate (APR) is accurate as of November 5, 2025. Rates are subject to change without notice. View current loan rates.
HELPING HEROES SAVINGS PROGRAM DETAILS
Offer valid for individuals in the following eligible professions and are subject to verification (eg: Employee ID, Paystub, Employer Letter, Military ID, Employer Direct Deposit into a Members Choice Account):
- Educators: Teachers, administrative staff and anyone who works at a school, college or university.
- Healthcare: All staff of medical facilities, including administrative and support staff.
- Law Enforcement: Police officers, sheriffs, and anyone who is active-duty law enforcement.
- Military & Veterans: Active-duty US military and veterans.
- First Responders: Active-duty firefighters, EMTs and anyone who is an EMS Personnel.
Applicants must select "I qualify as a HERO" in the online application process for applicable discounts and savings to apply. You must be a member or eligible for membership to qualify. Offers are not combinable with other promotions unless explicitly stated. Rates, terms and conditions are subject to change without notice.
Offers are subject to income tax and should be reported to the IRS as applicable. Members are responsible for any applicable federal taxes. Please consult a tax advisor.
1Heroes are eligible for an additional 0.25% interest rate increase on any CD term, excluding IRA CDs. The 0.25% increase applies only during the CD term and will expire at maturity.
2CD Ladder: CD Ladder equally divides your total deposit into four, separate, fixed-rate certificates of deposit (CDs) with terms of 5, 10, 15, and 20 months. Each CD is independent with its own maturity date and dividend rate. The rate reflects the available .25% rate bump. See link above to view complete list of deposit disclosures and Fee Schedule.
3 7-Month Promotional CD: Limited time promotional rate offer. No prior relationship requirement to apply. After you start the account, no additional deposits to this Certificate Account. Not eligible for the standard CD Rate Boost Program. IRA CDs are not eligible for this offer. On certificates of deposit, a penalty may be imposed for early withdrawal. For the 7-month promotional certificates, on the maturity date indicated on your account receipt, the funds in the certificate will be transferred to a regular 6-month or jumbo 6-month certificate, as applicable.
4Savings Account: Limited time savings offer. Higher yield only applies to consumer savings accounts and does not include fiduciary or business accounts. Applicable to new Savings Accounts only.. Cannot be combined with any other Savings offers. Annual Percentage Yield (APY) is accurate as of November 18, 2025. Rates are subject to change at any time without notice. Fees may reduce earnings. See link above to view complete list of deposit disclosures and Fee Schedule.
5Personal Loan and Auto Loan Discount: No other loan discounts will apply. Members Choice Hero members can qualify for the following loan benefits: 1.00% rate reduction on Personal Unsecured Signature Loans and 0.50% rate reduction on Vehicle Loans with a loan term of 37 months or higher. Existing Members Choice Credit Union auto loans are ineligible for refinancing. Vehicles must have a Texas title. Other terms and conditions may apply. Applicants must meet standard underwriting criteria for approval; qualified borrowers only. Note, rate discount will be applied after application approval is processed. Offers are subject to change and may be withdrawn at any time. Other terms and conditions may apply.
6Mortgage Closing Cost Credit: Offer valid on any residential home purchases with a minimum loan amount of $50,000 and maximum of $806,500. $1,500 Closing Cost Credit is a general lender credit that will be on the final closing disclosure. Certain terms and conditions apply. Cannot be combined with any other mortgage offers.
All memberships and credit products are subject to approval including credit approval.
