Credit union · NCUA insured
Members Choice Credit Union
A $213.3M credit union headquartered in Waco, TX, with 18,295 members and 3 branches in Texas. Best rates: CDs 3.63% and savings 0.70% APY.
Members Choice Credit Union Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#6 of 19 in Waco, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Choice Credit Union
Founded in 1935 when nine employees from the Waco VA Hospital pooled $5 each to create a financial cooperative, Members Choice Credit Union is collectively owned by its members.
The credit union serves eight Central Texas counties: Bosque, Coryell, Falls, Hill, Limestone, McLennan, Milam, and Robertson.
- Headquarters
- 4631 W Waco Dr, Waco, TX 76710
- NCUA charter
- 199
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Residents of Bosque, Coryell, Falls, Hill, Limestone, McLennan, Milam, or Robertson County are eligible for membership.
Branches
3 branches in Texas
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Texas
3 branches
- Main BranchMain office4631 W Waco Dr, Waco, TX 76710Directions
- Marlin Branch212 Virginia Ave, Marlin, TX 76661Directions
- Northside Branch845 New Dallas Hwy, Waco, TX 76705Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.26% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.06% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio16.26%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.06%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ 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.