*Annual Percentage Yield (APY) is accurate as of August 1, 2025. Rates are subject to change at any time without notice. Fees may reduce earnings. On certificates of deposit a penalty may be imposed for early withdrawal. View complete list of deposit disclosures and Fee Schedule.
1 Certificates of Deposit (CD): After you start the account, you may not make additional deposits to this Certificate Account. This offer is valid for a limited time only while quantities last. The Promotional Rate CDs are not eligible for the CD Rate Boost Program. On certificates of deposit, a penalty may be imposed for early withdrawal. For the 7-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 6-month or regular 6-month jumbo certificate, as applicable. For the 14-Month Promotional Certificates on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 12-month or regular 12-month jumbo certificate, as applicable. 18-Month, 24-Month and 36-Month Certificates renew into the same term regular or jumbo certificate of deposit type, as applicable.
2 Maximum Money Market™ Dividend Rates: 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. Minimum opening balance is $0. Minimum to earn APY is $0.01. Additional terms and conditions apply.
To be eligible for the Maximum Money Market Promotional Rate, new money totaling at least $50,000 must be deposited within twelve (12) days after the date of account opening. “New Money” is defined as funds transferred from another financial institution via ACH, cash, or check. Checks or transfers from other Members Choice accounts do not qualify as “New Money.” At any time, we may waive the New Money requirement for the Promotional Maximum Money Market Account rate. If $50,000 New Money is not deposited within twelve (12) days of account opening, the standard rates and APYs for Maximum Money Market Account apply. APY will remain in effect for six (6) months after account opening (“Promotional Period”). After the Promotional Period, APY will be the then current standard APY for the Maximum Money Market Account applicable tier. Promotion may end at any time.
The Maximum Money Market is available to all of the following new and existing membership types – personal, business and fiduciary. At our sole discretion, the number of Maximum Money Market Accounts per member may be limited.
³ CD Ladder: Advertised rate is fixed for the initial terms of the Certificate of Deposit (CD) Ladder only. APY assumes dividends remain on deposit until maturity. After you start the account, you may not make additional deposits to a Certificate Account. Fees may reduce earnings. On certificates of deposit, a penalty may be imposed for early withdrawal. Minimum opening balance is $2,000. Total amount of CD Ladder deposit will be equally divided among four CDs at varying terms: 5-month CD, 10-month CD, 15-month CD, and 20-month CD. Additional terms and conditions apply. View complete list of deposit disclosures and Fee Schedule.
- Additional CD Ladder Terms and Conditions
The CD Ladder is a deposit program that divides your total deposit into four separate fixed-rate certificates of deposit (CDs) with terms of 5, 10, 15, and 20 months. Each CD operates independently with its own maturity date and dividend rate. Each CD within the Ladder may be redeemed separately and may incur penalties for withdrawals made before maturity based on its individual term. No prior relationship requirement to apply for a CD Ladder. Members Choice may discontinue or modify the CD Ladder product at any time without notice.
• Renewal Policy: All Certificate Accounts are automatically renewable accounts. Automatically renewable accounts will renew for another term upon maturity into the rate currently in effect at renewal. Members will have a 10-calendar day grace period after maturity to withdraw funds without penalty.
4 High-Yield Savings Account. 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. High-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. (If table not in ad or landing, add link) 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.
To open a High-Yield Savings account, a Main Savings account and a Complete Checking account must also be opened, if not already present. 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. This account can be linked for overdraft protection.
Deposit Insurance: Federally Insured by NCUA. Some limitations apply. Click here for more information on deposit insurance.
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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