Credit union · NCUA insured
Members Choice Credit Union Savings Rates
Members Choice Credit Union’s best savings rate is 0.80% APY on $10,000, with its Hero Savings Account. Rates checked October 17, 2026.
How Members Choice Credit Union’s savings 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
0.10%APY
- Minimum
- $0
- Earns on $10,000 a year
- $10
Maximum Money Market™
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Members Choice Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.80%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0003.04%
- QualifiedQualified3.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Performance Money Market
0.10%APY
Tiered rate account where the specified dividend rate for a tier applies to the entire balance in the account. For the lowest tier, the rate may change at any time as determined by the Board of Directors. For other tiers, rates adjust on the first of the month following a change to the Wall Street Journal Prime (WSJP) index (as of the last day of the prior month) less the stated margin, with a floor rate of no less than 0.10%. A $15.00 monthly fee applies if a minimum balance of $1,000 is not maintained at the end of the month or an aggregate direct deposit of at least $1,000 per month is not maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Rate applies to entire balance if balance is within tier. $15 monthly fee is waived if a $1,000 balance is maintained at end of month or direct deposit of at least $1,000 per month is maintained. | 0.10% | $10 | Rate applies to entire balance if balance is within tier. $15 monthly fee is waived if a $1,000 balance is maintained at end of month or direct deposit of at least $1,000 per month is maintained. |
| $25,000 and upRate calculated as WSJP minus 4.00%, with a floor rate of 0.10%. Rate applies to entire balance. $15 monthly fee is waived if a $1,000 balance is maintained at end of month or direct deposit of at least $1,000 per month is maintained. | 3.04% | — | Rate calculated as WSJP minus 4.00%, with a floor rate of 0.10%. Rate applies to entire balance. $15 monthly fee is waived if a $1,000 balance is maintained at end of month or direct deposit of at least $1,000 per month is maintained. |
Sources (2)
All captured Oct 9, 2026
High Yield Savings
3.00%APY on $10,000
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 2.96% |
| $25,000 – $50,000 | 1.49% |
| $50,000 and up | 0.10% |
On $10,000 the tiers blend to about 3.00% APY, earning $300 a year.
Maximum Money Market™
0.10%APY
Tiered rate account where the specified dividend rate for a tier applies to the entire balance in the account. Variable rate account. For the lowest balance tier, rates change as determined by the Board of Directors. For other tiers, rates adjust on the first of the month following a change to the Wall Street Journal Prime (WSJP) index less the stated margin, with a floor rate of 0.50% APR. No monthly maintenance fees or minimum balance requirements to avoid fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rate applies to entire balance. Rate determined by Board of Directors. No monthly maintenance fee. | 0.10% | $10 | Rate applies to entire balance. Rate determined by Board of Directors. No monthly maintenance fee. |
| $50,000 – $150,000Guaranteed dividend rate formula: WSJP minus 7.00%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. | 0.50% | — | Guaranteed dividend rate formula: WSJP minus 7.00%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. |
| $150,000 – $300,000Guaranteed dividend rate formula: WSJP minus 6.75%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. | 0.50% | — | Guaranteed dividend rate formula: WSJP minus 6.75%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. |
| $300,000 – $500,000Guaranteed dividend rate formula: WSJP minus 6.50%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. | 0.50% | — | Guaranteed dividend rate formula: WSJP minus 6.50%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. |
| $500,000 – $1,000,000Guaranteed dividend rate formula: WSJP minus 5.50%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. | 1.26% | — | Guaranteed dividend rate formula: WSJP minus 5.50%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. |
| $1,000,000 and upGuaranteed dividend rate formula: WSJP minus 4.50%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. | 2.27% | — | Guaranteed dividend rate formula: WSJP minus 4.50%, subject to a floor rate of 0.50% APR. Rate applies to entire balance. No monthly maintenance fee. |
Sources (3)
- mccu.com/personal/maximum-money-market
- mccu.com/personal/personal-savings
- mccu.com/access/consumer-deposit-rates
All captured Oct 9, 2026
Hero Savings Account
0.80%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsQualifying heroes only (medical professionals, law enforcement, active duty military and veterans, teachers/school staff, first responders). Rate expires 12 months after account opening and reverts to regular savings rate. Limit one per membership | 0.80% | $80 |
Sources (2)
All captured Oct 17, 2026
Classic Money Market
0.10%APY
Tiered rate fixed account where the specified dividend rate for a tier applies to the entire balance in the account. Requires a minimum opening balance and minimum balance to earn dividends of $2,000.00. A $15.00 monthly fee applies if the minimum balance of $2,000.00 is not maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Fixed rate. Rate applies to entire balance. $15 monthly fee is waived if a $2,000 minimum balance is maintained. | 0.10% | — | Fixed rate. Rate applies to entire balance. $15 monthly fee is waived if a $2,000 minimum balance is maintained. |
| $10,000 – $50,000Fixed rate. Rate applies to entire balance. $15 monthly fee is waived if a $2,000 minimum balance is maintained. | 0.10% | $10 | Fixed rate. Rate applies to entire balance. $15 monthly fee is waived if a $2,000 minimum balance is maintained. |
| $50,000 and upFixed rate. Rate applies to entire balance. $15 monthly fee is waived if a $2,000 minimum balance is maintained. | 0.15% | — | Fixed rate. Rate applies to entire balance. $15 monthly fee is waived if a $2,000 minimum balance is maintained. |
Special-purpose accounts
IRA Account (Traditional or Roth)
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAvailable as Traditional IRA or Roth IRA savings.$5 and up | 0.25% | $25 | Available as Traditional IRA or Roth IRA savings. |
Savings Accounts (Main, Special, Minor, UTTMA, and Student)
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Tier applies to entire balance; APY stated as N/A. | 0.00% | — | Tier applies to entire balance; APY stated as N/A. |
| $100 and upTier applies to entire balance. | 0.05% | $5 | Tier applies to entire balance. |
Sources (2)
All captured Oct 17, 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.