Earn high yields PLUS have flexible access to your funds with a Maximum Money Market account

4.33% APY*

Open your account today with no minimum balance to start earning. Or, open with $50,000 or more to get the LIMITED TIME New Account 6-Month Promotional Rate.3
Open a Money Market Account Now

Start earning high yields while maintaining flexible access to your funds with a Maximum Money Market account.


There's no need to lock up your funds in order to get a higher yield.

Our Maximum Money Market has a high-yield variable savings rate that performs with the prime rate, so you can save with confidence knowing that you're always getting our best possible savings rate.


Always get our best savings rate

High-yield, variable dividend rates tied to the current prime rate

Never pay monthly fees

No monthly maintenance fees, and no minimum balance requirement

Keep flexible access to your funds

No excessive withdrawal fees, and no direct deposit requirement

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 5.00%
3.50% 3.56%
$150,000 - $299,999.99
Variable Rate2
WSJP minus 4.75%
3.75% 3.82%
$300,000 and higher
Variable Rate2
WSJP minus 4.50%
4.00% 4.07%

4.33% 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

Get Notified About Rate Updates! Subscribe to our Maximum Money Market™ Rate Update Emails.

The benefits of a Maximum Money Market™ to a Certificate of Deposit (CD)

Maximize your savings and open your account today

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We are committed to helping our members achieve their goals by providing financial guidance, quality products, and convenient services. 

See the benefits membership has to offer

*APY=Annual Percentage Yield.  8.50% - Current WSJP effective as of July 27, 2023. Variable dividend rate is adjusted on the first day of each month.

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 Maximum Money Market Account promotional rate applies if member deposits a total of more than $50,000 within first 12 days after account is opened from sources other than an existing Members Choice Credit Union account.  Promotional rate will apply for the first six statement cycles in which the account is open.  After that, standard Maximum Money Market Account rates will apply. See full Money Market disclosures (PDF). 


The Maximum Money Market is available to all of the following new and existing membership types – personal, business and fiduciary. Limit of one account per membership.


If not currently a Members Choice member, a $5 deposit is needed to establish membership. 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 81 years


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© 2023 Members Choice Credit Union

Members Choice Credit Union

18211 Katy Freeway

Houston, TX 77094