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% |
4.59% APY*
LIMITED TIME OFFER
6-Month Promotional Rate on all balances over $50,000 when you open your account with $50,000 or more.3
Fill out the short form below to hear back within the next business day.
*Annual Percentage Yield (APY) is accurate as of February 12, 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 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 8-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 14-month or regular 14-month jumbo certificate, 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.
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.
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". Become a member today to unlock access to all member benefits.
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Members Choice Credit Union
18211 Katy Freeway
Houston, TX 77094