Overview / Commentary
254-776-7070
4631 W Waco Dr
Waco, TX 76710

Members Choice Credit Union (TX) is headquartered in Waco and is the 90th largest credit union in the state of Texas. It is also the 1,090th largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 57 employees and 22,712 members at 3 locations. Members Choice Credit Union (TX)'s CD rates are 72% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Members Choice Credit Union is open to those who live, work, worship or go to school in McLennan, Bosque, Coryell, Falls, Hill, Limestone, Milam or Robertson Counties in Texas.
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Health
B+

Health Grade Components

Overall
NCUA #199
Year Chartered1935
Employees57
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.5%
Annual Interest Income$9.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$188.7MM$197.7MM
LoansQ4 2018vs Q4 2017$157.3MM$171.8MM
DepositsQ4 2018vs Q4 2017$164.2MM$174.4MM
Equity CapitalQ4 2018vs Q4 2017$23.1MM$22.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$2.6MM$3.0MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.1MM$818.00K
Real Estate OwnedQ4 2018vs Q4 2017$78.00K$0
Rates
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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 (TX) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$25-Regular Savings
0.40%$25-Special Savings

Members Choice Credit Union (TX) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$150k*-Money Market Account
OTHER TIERS: 0.40% $1k - $5k | 0.45% $5k - $10k | 0.50% $10k - $25k | 0.55% $25k - $75k | 0.60% $75k - $150k

Members Choice Credit Union (TX) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%$1k-4 Year Priority Plus Term Share Certificate
2.20%$1k-4 Year Term Share Certificate
2.05%$1k-3 Year Priority Plus Term Share Certificate
2.01%$1k-2 Year Priority Plus Term Share Certificate
1.90%$1k-3 Year Term Share Certificate
1.85%$1k-2 Year Term Share Certificate
1.65%$1k-18 Month Priority Plus Term Share Certificate
1.55%$1k-1 Year Priority Plus Term Share Certificate
1.50%$1k-18 Month Term Share Certificate
1.40%$1k-1 Year Term Share Certificate
0.85%$90k-6 month Jumbo Priority Plus Term Share Certificate
0.70%$2.5k-6 Month Priority Plus Term Share Certificate
0.55%$2.5k-6 Month Term Share Certificate

Members Choice Credit Union (TX) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%$1k-4 Year Priority Plus IRA Certificate
2.20%$1k-4 Year IRA Certificate
2.05%$1k-3 Year Priority Plus IRA Certificate
2.01%$1k-2 Year Priority Plus IRA Certificate
1.90%$1k-3 Year IRA Certificate
1.85%$1k-2 Year IRA Certificate
1.55%$1k-1 Year Priority Plus IRA Certificate
1.40%$1k-1 Year IRA Certificate
Locations


Members Choice Credit Union (TX) Locations
Branch Office845 New Dallas HwyWaco, TX 76705
Branch Office212 Virginia AveMarlin, TX 76661
Branch Office4631 W Waco DrWaco, TX 76710

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