High-Yield Savings | Members Choice Credit Union

*APY=Annual Percentage Yield. 8.50% - Current WSJP effective as of July 23, 2024. See full Deposit Rate disclosures (PDF).

¹The Fixed Dividend Rate and Annual Percentage Yield for the lowest balance tier may change as determined by the Board of Directors.

²Variable Dividend Rates may change after the account is opened. The Variable Dividend Rate and Annual Percentage Yield for the tiers other than the lowest balance tier will be adjusted on the last day of each month. The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates.

³In order to be eligible for the Promotional Rate offer, $50,000 New Money must be deposited within twelve (12) days after 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.” APY applies for six (6) months after account opening (“Promotional Period”). After the Promotional Period, APY will be the then current applicable APY for the Maximum Money Market Account applicable tier. Promotion may end at any time. If $50,000 New Money is not deposited within twelve (12) days of account opening, applicable APY for Maximum Money Market Account applies.

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.

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

About Members Choice Credit Union

At Members Choice, we strive to exceed your expectations. We believe in people-helping-people by providing sound financial solutions and resources, as well as sharing our passion for supporting the community. As a full-service financial institution based in Houston, Texas, we have proudly served the West Houston, Katy and Cy-Fair areas for more than 80 years

Balance Tiers	Guaranteed Dividend Rates	Dividend Rate	APY*
$0.01 - $49,999.99	Fixed Rate¹	0.10%	0.10%
$50,000 - $149,999.99	Variable Rate² WSJP minus 6.50%	2.00%	2.02%
$150,000 - $299,999.99	Variable Rate² WSJP minus 6.25%	2.25%	2.27%
$300,000 - $499,999.99	Variable Rate² WSJP minus 6.00%	2.50%	2.53%
$500,000 - $999,999.99	Variable Rate² WSJP minus 5.50%	3.00%	3.04%
$1,000,000 and higher	Variable Rate² WSJP minus 4.50%	4.00%	4.07%

Maximum Money Market™ Savings

Add or withdraw money anytime!

6-MONTH PROMO FOR NEW ACCOUNTS³

EARN UP TO

4.59% APY*

Certificate of Deposit

Secure your savings!

8-MONTH or 14-MONTH PROMO CD

4.90% APY*

With our high-yield savings accounts, the only question is – how fast will you get there?

4.90% APY*

8-Month Promo Rate CD

Perfect for those looking to grow their savings risk-free with a stellar fixed rate and ability to unlock funds in less than a year.

Best for medium-term savings goals, like a vacation or end-of-year spending.

4.90% APY*

14-Month Promo Rate CD

Higher interest for a longer period. A secure investment for savers planning for the future but wanting more than a regular savings account.

Best for long-term goals, like saving for a down payment.

Up to 4.59% APY*

Maximum Money Market™³

Ideal for savers who want both growth and access with competitive rates, easy access, and flexibility.

Best for saving for short-term goals, or to act like a high-yield savings account.

Safe and secure savings

Funds are federally insured by the NCUA up to $250,000

High yield savings PLUS flexible access to your funds.
Earn up to 4.59% APY – See additional Maximum Money Market™ rate options below on how much you can earn for each balance tier.³

Have questions for one of our friendly Member Advocates?

Connect with us

Maximum Money Market™ Savings

Add or withdraw money anytime!

6-MONTH PROMO FOR NEW ACCOUNTS3

EARN UP TO

4.59% APY*

Certificate of Deposit

Secure your savings!

8-MONTH or 14-MONTH PROMO CD

4.90% APY*

With our high-yield savings accounts, the only question is – how fast will you get there?

4.90% APY*

8-Month Promo Rate CD

Perfect for those looking to grow their savings risk-free with a stellar fixed rate and ability to unlock funds in less than a year.

Best for medium-term savings goals, like a vacation or end-of-year spending.

4.90% APY*

14-Month Promo Rate CD

Higher interest for a longer period. A secure investment for savers planning for the future but wanting more than a regular savings account.

Best for long-term goals, like saving for a down payment.

Up to 4.59% APY*

Maximum Money Market™3

Ideal for savers who want both growth and access with competitive rates, easy access, and flexibility.

Best for saving for short-term goals, or to act like a high-yield savings account.

Safe and secure savings

Funds are federally insured by the NCUA up to $250,000

High yield savings PLUS flexible access to your funds. Earn up to 4.59% APY – See additional Maximum Money Market™ rate options below on how much you can earn for each balance tier.3

Have questions for one of our friendly Member Advocates?

Connect with us

6-MONTH PROMO FOR NEW ACCOUNTS³

Maximum Money Market™³

High yield savings PLUS flexible access to your funds.
Earn up to 4.59% APY – See additional Maximum Money Market™ rate options below on how much you can earn for each balance tier.³