*Annual Percentage Yield (APY) is accurate as of April 8, 2026. 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.
1High-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.
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.
2Complete 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 $1,000.00 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.
3Early Pay: Early pay is not dependent upon the account qualifications noted above. At our sole discretion, we may make your money available to you up to two days before we receive the funds from the payor. Early availability of direct deposits is dependent on the timing of your payor’s payment instructions and/or fraud prevention overlays. These limitations may be modified at our sole discretion without advance notice. We do not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. 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.
4Zelle®: Personal U.S. checking account required to use Zelle®. Transactions between enrolled users typically occur in minutes. MCCU does not charge any fees for sending money using Zelle. However, your mobile carrier's message and data rates may apply as well as other fees related to your account (e.g., Choice Pay Overdraft Protection, Stop Payment, NSF Fees, etc.). Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
All memberships are subject to approval.
About 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 85 years, we've been dedicated to empowering families across 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. Become a member today to unlock access to all member benefits.
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