Credit union · NCUA insured
Members Choice Credit Union CD Rates
Members Choice Credit Union’s best CD rate is 4.15% APY on a 7-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 9, 2026.
How Members Choice Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Members Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Choice Credit Union
4.15%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $240
Hero Certificate of Deposit Rate Bump
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Members Choice Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.51%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Members Choice Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Hero Certificate of Deposit Rate Bump
4.15%APY · 1 term
Qualifying heroes (educators, healthcare workers, law enforcement, military & veterans, first responders) receive an additional 0.25% rate increase / APY bump on all regular or jumbo CD terms and promotional CDs / CD ladder, excluding IRA CDs. 0.25% increase applies during the CD term and expires at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsSpecial 7-Month Promo CD with Hero Rate Bump included. Opening minimum is $500 for regular CD and $100,000 for jumbo CD. Excludes IRA certificates | 4.15% | $240 |
Sources (3)
All captured Sep 17, 2026
Promotional Certificates of Deposit
4.00%APY · 2 terms
Limited time offer while quantities last. No prior relationship requirement. Not eligible for CD Rate Boost Program. Total promotional certificates may not exceed $500,000 per member. After start, no additional deposits allowed. At maturity, funds transfer to regular 6-month or 12-month regular/jumbo certificate as applicable.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 monthsJumbo CD. Renews/transfers at maturity to a regular 6-month jumbo certificate | — | 4.00% | —4.00% from $100k | — |
| 7 monthsRenews/transfers at maturity to a regular 6-month certificate | 4.00% | — | 4.00% | $231 |
| 14 monthsJumbo CD. Renews/transfers at maturity to a regular 12-month jumbo certificate | — | 4.00% | —4.00% from $100k | — |
| 14 monthsRenews/transfers at maturity to a regular 12-month certificate | 4.00% | — | 4.00% | $468 |
High Five Certificate (CD) Ladder
Up to 3.90%APY · 4 terms
Deposit program that equally divides the total deposit into four separate fixed-rate CDs with terms of 5, 10, 15, and 20 months. Each CD operates independently with its own maturity date and dividend rate, and may be redeemed separately subject to early withdrawal penalties based on its term. Minimum deposit $2,000. After start, no additional deposits allowed. Automatically renewable with 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsPart of 4-part ladder program | 3.90% | $161 |
| 10 monthsPart of 4-part ladder program | 3.75% | $312 |
| 15 monthsPart of 4-part ladder program | 3.51% | $441 |
| 20 monthsPart of 4-part ladder program | 3.51% | $592 |
Jumbo Certificates of Deposit (CD)
Up to 3.00%APY · 7 terms
For balances of $100,000 and above. Fixed rate for initial term. After account start, additional deposits not permitted. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.90% | — |
| 12 months | 2.90% | — |
| 18 months | 3.00% | — |
| 24 months | 3.00% | — |
| 36 months | 3.00% | — |
| 48 months | 2.75% | — |
| 60 months | 2.50% | — |
Sources (3)
- info.mccu.com/hubfs/Rates%20an…%20RFD_Eff%209.10.26.pdf
- mccu.com/personal/certificate-of-deposit-cds
- mccu.com/access/consumer-deposit-rates
All captured Sep 17, 2026
Standard Certificates of Deposit (CD)
Up to 3.00%APY · 7 terms
Fixed rate for initial term. After account start, additional deposits not permitted. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.90% | $144 |
| 12 months | 2.90% | $290 |
| 18 months | 3.00% | $453 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.50% | $1,314 |
Sources (2)
All captured Oct 9, 2026
Special-purpose accounts
Standard IRA Certificate of Deposit (CD)
Up to 3.00%APY · 7 terms
Available for Traditional and Roth IRAs. Fixed rate for initial term. After account start, additional deposits not permitted. Early withdrawal penalties apply. IRA CDs are not eligible for Limited Time Promotional Rates or the CD Rate Boost Program. $5 deposit needed to establish membership if not currently a member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.90% | $144 |
| 12 months | 2.90% | $290 |
| 18 months | 3.00% | $453 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.50% | $1,314 |
Who can join Members Choice Credit Union
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.
Membership information collected October 5, 2026.