2. Members Choice Credit Union

Members Choice Credit Union


Overview / Commentary
www.mccu.com
281-398-9900
18211 Katy Fwy
Houston, TX 77094

Members Choice Credit Union is headquartered in Houston and is the 42nd largest credit union in the state of Texas. It is also the 490th largest credit union in the nation. It was established in 1941 and as of June of 2019, it had grown to 140 employees and 37,463 members at 9 locations. Members Choice Credit Union's CD rates are 78% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, or own a business operating in the Texas communities of Katy, Cy-Fair, Humble/Kingwood, or Harris County (west of I-45). Employees of more than 200 Partner Companies (listed on the online application) also qualify for membership.
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Reviews (1)

my fcu

Posted by: demetriamason50 | Aug 5, 2017

I've been with my local fcu for about 4 years now. Their products are competitive for the most part. I only have a savings and checking account with them now. Their fees are much better than a national bank but their interest payout is slightly below average for banks in general. I've investigated their auto loans which I will be using in the next year. Their advertised rates are better than the national average and I have spoken with a loan officer and I'm rather certain I will be able to get an even better rate with just above average credit. This is due to my history with them thus far. Their customer service is second to none. I've used 8 different national and local banks in the last decade and my current institution is head and shoulders above them in terms of service.

2


Health
C+

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #67508
Year Chartered1941
Employees140
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD3.03%
Annual Interest Income$12.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$617.7MM$596.0MM
LoansQ2 2019vs Q2 2018$443.8MM$438.2MM
DepositsQ2 2019vs Q2 2018$524.8MM$502.0MM
Equity CapitalQ2 2019vs Q2 2018$56.4MM$52.4MM
Loan Loss AllowanceQ2 2019vs Q2 2018$2.0MM$2.4MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$14.7MM$6.1MM
Real Estate OwnedQ2 2019vs Q2 2018$595.00K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Members Choice Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Members Choice Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$5-IRA Account
0.20%$100-Savings Account
0.20%$5-Christmas Club Account
0.20%$100-Business Savings Accounts

Members Choice Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Money Market Account
OTHER TIERS: 0.40% → $2k - $10k | 0.50% → $10k - $50k
0.60%*$50k*-Business Money Market Accounts
OTHER TIERS: 0.40% → $2k - $10k | 0.50% → $10k - $50k

Members Choice Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Classic Checking

Members Choice Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$50k-60 Month Jumbo CD
2.00%$500$50k60 Month CD
2.00%$50k-48 Month Jumbo CD
1.90%$50k-36 Month Jumbo CD
1.90%$500$50k48 Month CD
1.80%$500$50k36 Month CD
1.80%$50k-24 Month Jumbo CD
1.70%$500$50k24 Month CD
1.70%$50k-18 Month Jumbo CD
1.60%$50k-12 Month Jumbo CD
1.60%$500$50k18 Month CD
1.50%$500$50k12 Month CD
1.50%$50k-9 Month Jumbo CD
1.40%$500$50k9 Month CD
1.40%$50k-6 Month Jumbo CD
1.30%$500$50k6 Month CD
1.30%$50k-3 Month Jumbo CD
1.20%$500$50k3 Month CD

Members Choice Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$50k-60 Month Jumbo IRA
2.00%$500$50k60 Month IRA
2.00%$50k-48 Month Jumbo IRA
1.90%$50k-36 Month Jumbo IRA
1.90%$500$50k48 Month IRA
1.80%$500$50k36 Month IRA
1.80%$50k-24 Month Jumbo IRA
1.70%$500$50k24 Month IRA
1.70%$50k-18 Month Jumbo IRA
1.60%$50k-12 Month Jumbo IRA
1.60%$500$50k18 Month IRA
1.50%$500$50k12 Month IRA
1.50%$50k-9 Month Jumbo IRA
1.40%$500$50k9 Month IRA
1.40%$50k-6 Month Jumbo IRA
1.30%$500$50k6 Month IRA
1.30%$50k-3 Month Jumbo IRA
1.20%$500$50k3 Month IRA
Locations


Members Choice Credit Union Locations
Branch Office1503 Eldridge PkwyHouston, TX 77077-2188
Branch Office8951 S Fry RdKaty, TX 77494-8414
Branch Office521 W Grand Pkwy SKaty, TX 77494-8284
Branch Office3770 Fry RdKaty, TX 77449-6728
Branch Office600 N Dairy Ashford RdHouston, TX 77079-1100
Branch Office2331 Citywest BlvdHouston, TX 77042
Branch Office1657 S Fry RdKaty, TX 77450-6404
Branch Office18211 Katy FwyHouston, TX 77094-1102
Branch Office15701 Kingfield DrHouston, TX 77084-7073

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