Take Your Savings to the Top!

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.
Open a CD Today

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.
Open a CD Today

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.
Open a Money Market Savings Now
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

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*

6-Month Promotional Rate on all balances over $50,000 when you open your account with $50,000 or more.3

Have questions for one of our friendly Member Advocates?

Fill out the short form below to hear back within the next business day.

*APY=Annual Percentage Yield.  8.50% - Current WSJP effective as of April 30, 2024. See full Deposit Rate disclosures (PDF). 

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


3 In order to be eligible for the Promotional Rate offer, $50,000 NewMoney 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


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©2024 Members Choice Credit Union

Members Choice Credit Union

18211 Katy Freeway

Houston, TX 77094