Credit union · NCUA insured
Members Choice Credit Union Credit Card Rates
Members Choice Credit Union credit card rates start at 10.25% APR. Rates checked October 16, 2026.
How Members Choice Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Members Choice Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Members Choice Credit Union
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Choice Cash Visa Credit Card
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval including credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0% APR applies to purchases for 6 months from account opening. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR applies to balance transfers for 12 months from account opening. Balance transfers must be initiated within 180 days, may take up to 15 business days to process, and are subject to a 3% balance transfer fee. |
| Ongoing | 11.75%–18.00% | None | Variable APR after introductory period, based on creditworthiness. APR varies with the Prime Rate. |
Sources (2)
All captured Oct 6, 2026
Choice Rate Visa Credit Card
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0% APR applies to purchases for 6 months from account opening. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR applies to balance transfers for 12 months from account opening. Balance transfers must be initiated within 180 days, may take up to 15 business days to process, and are subject to a 3% balance transfer fee. |
| Ongoing | 10.25%–18.00% | None | Variable APR after introductory period, based on creditworthiness. APR varies with the Prime Rate. |
Sources (2)
All captured Oct 6, 2026
Signature Visa with Bonus Rewards
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0% APR applies to purchases for 6 months from account opening. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR applies to balance transfers for 12 months from account opening. Balance transfers must be initiated within 180 days, may take up to 15 business days to process, and are subject to a 3% balance transfer fee. |
| Ongoing | 14.25%–18.00% | None | Variable APR after introductory period ends, based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate. |
Sources (2)
All captured Oct 6, 2026
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.