Members Choice Credit Union

Overview / Commentary
18211 Katy Freeway
Houston, TX 77094

Members Choice Credit Union is headquartered in Houston and is the 44th largest credit union in the state of Texas. It is also the 510th largest credit union in the nation. It was established in 1941 and as of June of 2020, it had grown to 135 employees and 38,681 members at 9 locations. Members Choice Credit Union has a B 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

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.


Health Grade Components

NCUA #67508
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD-0.7%
Return on Equity - YTD-8.56%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$669.4MM$617.7MM
LoansQ2 2020vs Q2 2019$405.7MM$443.8MM
DepositsQ2 2020vs Q2 2019$590.1MM$524.8MM
Equity CapitalQ2 2020vs Q2 2019$53.5MM$56.4MM
Loan Loss AllowanceQ2 2020vs Q2 2019$2.9MM$2.0MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$15.6MM$14.7MM
Real Estate OwnedQ2 2020vs Q2 2019$0$595.00K
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* 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

0.25%$5-IRA Account
0.10%$100-Savings Account
0.10%$5-Christmas Club Account
0.10%$100-Business Savings Accounts

Members Choice Credit Union Money Market Rates

0.25%*$50k*-Money Market Account
OTHER TIERS: 0.15% $2k - $10k | 0.20% $10k - $50k
0.25%*$50k*-Business Money Market Accounts
OTHER TIERS: 0.15% $2k - $10k | 0.20% $10k - $50k

Members Choice Credit Union CD Rates

1.01%$50k-60 Month Jumbo CD
0.95%$50k-48 Month Jumbo CD
0.90%$50k-36 Month Jumbo CD
0.90%$500$50k60 Month CD
0.85%$500$50k48 Month CD
0.80%$500$50k36 Month CD
0.80%$50k-24 Month Jumbo CD
0.75%$50k-18 Month Jumbo CD
0.72%$50k-12 Month Jumbo CD
0.70%$500$50k24 Month CD
0.65%$500$50k18 Month CD
0.62%$500$50k12 Month CD
0.60%$50k-9 Month Jumbo CD
0.50%$500$50k9 Month CD
0.45%$50k-6 Month Jumbo CD
0.35%$500$50k6 Month CD

Members Choice Credit Union IRA Rates

1.01%$50k-60 Month Jumbo IRA
0.95%$50k-48 Month Jumbo IRA
0.90%$50k-36 Month Jumbo IRA
0.90%$500$50k60 Month IRA
0.85%$500$50k48 Month IRA
0.80%$500$50k36 Month IRA
0.80%$50k-24 Month Jumbo IRA
0.75%$50k-18 Month Jumbo IRA
0.72%$50k-12 Month Jumbo IRA
0.70%$500$50k24 Month IRA
0.65%$500$50k18 Month IRA
0.62%$500$50k12 Month IRA
0.60%$50k-9 Month Jumbo IRA
0.50%$500$50k9 Month IRA
0.45%$50k-6 Month Jumbo IRA
0.35%$500$50k6 Month IRA

Members Choice Credit Union Locations
Branch Office1503 Eldridge PkwyHouston, TX 77077-2188
Branch Office8951 S Fry RdKaty, TX 77494-8414
Branch Office401 W Grand Pkwy SKaty, TX 77494-8329
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 77094-1395
Branch Office15701 Kingfield DrHouston, TX 77084-7073

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