Members Choice Credit Union Members
Celebrate More. Earn More. Spend Less.
Explore exclusive offers, limited-time deals, and member-only perks- all in on place
Check out the deals everyone's talking about—don't miss out!
It pays to be a Member at Members Choice Credit Union. Find Your Perfect Deal!
Max out your saving potential Promotional Savings Rates
Strengthen your savings. Get these limited time promotional rates on high-yield savings:
Max out your lending potential Promotional Loan & Mortgage Rates
Give your finances a boost. Grab these limited time loan and mortgage deals:
Max out your discounts Loyalty Rate Discounts
Plus, enjoy exclusive members perks and extra discounts:
Helping Heroes Offers and Discounts We help members in heroic professions save money with special rates on loans and savings discounts.9
See limited time offers and discounts for Teachers & Staff, Law Enforcement, First Responders, Healthcare Workers, and Military & Veterans. Click below for full program details.
Never-ending offers These offers are year-round winnings
Members can take advantage of:10
Side Hustle Duo Discount
Save with a Duo Discount perk. Enjoy a 0.50% discount on your Personal Loan and Personal Auto Loan rate when you have BOTH a Free Business Checking and a personal Complete Checking account with us. Learn More
"Skip-A-Pay" on Your Loan
Free up some funds by skipping a qualified loan payment without impacting your credit score. Read more about how our members can qualify. Learn More
Love My Credit Union Rewards
Provides access to savings of up to 50% or more off the retail price on products and services you use every day. These aren't the limited offers you'll find on normal "deals" websites, these are far greater and deeper savings. Learn More
We're a Top Credit Union and Mortgage Lender in Houston!
Members Choice Credit Union was voted a Top Credit Union and Mortgage Lender in Houston in the Houston Chronicle's Best of the Best awards, recognized for our commitment to exceptional service and community focus. Join a credit union that Houston Trusts!
Disclosures
All memberships are subject to approval approval.
*Annual Percentage Yield (APY) is accurate as of October 1, 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. To receive APY, terms and conditions apply. View complete list of deposit disclosures and Fee Schedule.
Annual Percentage Rate (APR) is accurate as of September 4, 2025. Review current loan rates and terms.
1 Certificates of Deposit (CDs): Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes dividends remains on deposit until maturity. After you start the account, you may not make additional deposits to a Certificate Account. Fees may reduce earnings. On certificates of deposit, a penalty may be imposed for early withdrawal. Minimum opening balance is $500 on Regular CDs, $100,000 on Jumbo CDs. Minimum to earn APY is $500 on Regular CDs and $100,000 on Jumbo CDs. Minimum opening balance is $2,000 on a CD Ladder. Minimum to earn APY is $2,000 on a CD Ladder. Additional terms and conditions apply. View more for full details.
2 High-Yield Savings Dividend Rates: Minimum opening balance is $0. Minimum to earn APY is $0.01. Additional terms and conditions apply. View more for full details.
3 Debt Consolidation Loan Rate Discounts. Rates are subject to change without notice. Rates shown reflect available rate discounts. Members Choice members can get 3.00% in rate discounts: When selecting the loan purpose as Debt Consolidation. Limited time offer. No other discounts will apply. Subject to additional underwriting review. Minimum term is 25 months. Other rates and terms are available. View more for full details.
4 Lock & Shop: Limited time offer for mortgage purchases. Subject to change without notice. Terms and conditions apply. Ask your mortgage loan officer for full details.
5 Homebuyer Rate Reward: This limited time offer applies to primary residential purchase loans only and may end at any time. The 0.25% rate reduction is applied at the time an executed contract is received. Rate adjustment is documented as “Rate Incentive.” Terms and conditions apply. Each application is evaluated on an individual basis. Please contact us for further details.
6 Match or Beat Your Auto Loan Rate. Limited time offer. Offer may end any time, and without notice. Members Credit Union will match or beat a member's current auto loan rate by 2%, not exceeding our lowest 37-60 month rate based on a member’s credit tier. Terms and conditions apply. View more for full details.
7 Loyalty Rate Discounts: Review current loan rates and terms.(Opens in a new Window) Rates and offers are subject to change without notice. Rates shown reflect available rate discounts.
- Auto Loans: Members Choice members can get up to 2.00% in rate discounts: .25% for an automatic loan payment transfer from an MCCU checking account, 1.00% for checking account direct deposit within 60 days of funding with a minimum of $500 per month, .25% for a new or existing Credit Card, .25% for MCCU extended warranty and .25% for MCCU Payment Protection.
- Personal Loans: Members Choice members can get up to 1.75% in rate discounts: .25% for an automatic loan payment transfer from an MCCU checking account, 1.00% for checking account direct deposit within 60 days of funding with a minimum of $500 per month, .25% for a new or existing Credit Card, and .25% for MCCU Payment Protection. Limited time offer. No other discounts will apply. Other rates and terms are available. Subject to credit review. May not be combined with other offers. 24 hours Loan Decision Time is based on normal business hours. If application is received during business hours. Weekend applications get processed the following business day. Some variances may occur.
- HomePlus Personal Loans: For homeowners with at least one year of current mortgage payments. Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges. Members Choice members can get up to 2.75% in rate discounts: .75% for 15-year homeownership (.25% for every 5 year increment of home ownership (5, 10 or 15), .25% for a mortgage with MCCU, .25% for an auto loan with MCCU, .25% for an automatic loan payment transfer from an MCCU checking account, 1.00% for checking account direct deposit within 60 days of funding with a minimum of $500 per month, and .25% for MCCU Payment Protection.
8 Helping Heroes Program. Additional terms and conditions apply. Read more details: https://info.mccu.com/helping-heroes
$1,500 Closing Cost Credit is a general lender credit that will be provided on mortgage closing. Offer valid on any residential home purchases with a minimum loan amount of $50,000 and maximum of $806,500. Certain terms and conditions apply. Cannot be combined with any other offers
9 Additional Offers: Terms & Conditions Apply. View for full details on Side Hustle Duo Discount. View for full details on the "Skip-a-Pay" Program.