Credit union · NCUA insured
Members Choice Credit Union
A $728M credit union headquartered in Houston, TX, with 46,947 members and 8 branches in Texas. Best rates: CDs 4.15% and savings 0.80% APY.
Members Choice Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#45 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Choice Credit Union
Members Choice Credit Union is headquartered in Houston, Texas, serving individuals and businesses across ten Texas counties including Harris, Fort Bend, and Montgomery.
- Headquarters
- 18211 Katy Fwy, Houston, TX 77094-1395
- NCUA charter
- 67508
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, attend school, or have a business in Harris, Fort Bend, Brazoria, Montgomery, Austin, Chambers, Galveston, Liberty, Waller, or Wharton counties are eligible for membership.
Employers and groups
- Members of select member associations—including the International Coaching Federation - Texas Locations, The Arc of Harris County, or Texas Consumer Council (TCC)—are eligible for membership at no cost.
- Current and retired employees of select employer groups (ConocoPhillips Company including Phillips 66, Continental Carbon Company, Daniel Industries Inc, Diamond Offshore Drilling Inc, DuPont Company - Texas Locations, Oceaneering, Sysco Corporation, and UTEX Industries) are eligible for membership.
Branches
8 branches in Texas
Loading map…
Texas
8 branches
- Corporate OfficeMain office18211 Katy Fwy, Houston, TX 77094Directions
- Conoco925 N Eldridge Pkwy, Houston, TX 77079Directions
- Cy-Fair15701 Kingfield Dr, Houston, TX 77084Directions
- Phillips662331 Citywest Blvd, Houston, TX 77042Directions
- Fry Road3770 Fry Rd, Katy, TX 77449Directions
- Grand Parkway401 W Grand Pkwy S, Katy, TX 77494Directions
- Seven Meadows8951 S Fry Rd, Katy, TX 77494Directions
- Lake Jackson403-B This Way Sreet, Lake Jackson, TX 77566Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.83% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.77% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.15% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $97 | $76 | — |
- CapitalNet worth ratio7.83%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.77%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.15%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$97Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Members Choice Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.