Credit union · NCUA insured
Members Choice Credit Union CD Rates
Members Choice Credit Union’s best CD rate is 3.63% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Members Choice Credit Union’s CD rates compare
Compared with banks and credit unions near Waco, TX, where Members Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Choice Credit Union
3.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $350
Priority Plus Term Share Certificate
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Members Choice Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo2.97%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.39%
- 31–60 months31–60 mo3.08%
- QualifiedQualified3.50%
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.
Jumbo Term Share Certificate
3.63%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.63% | $180 |
Sources (1)
- choicefcu.com/share-term-share-certificate-rates · captured Sep 17, 2026
Priority Plus Term Share Certificate
Up to 3.50%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.97% | $147 |
| 12 months | 3.50% | $350 |
| 18 months | 3.29% | $498 |
| 24 months | 3.39% | $689 |
| 36 months | 3.08% | $953 |
| 48 months | 2.88% | $1,203 |
Sources (2)
All captured Sep 17, 2026
Term Share Certificate
Up to 3.44%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.92% | $145 |
| 12 months | 3.44% | $344 |
| 18 months | 3.24% | $490 |
| 24 months | 3.34% | $679 |
| 36 months | 3.03% | $937 |
| 48 months | 2.83% | $1,181 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Priority Plus IRA Term Share Certificate
Up to 3.50%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 24 months | 3.39% | $689 |
| 36 months | 3.08% | $953 |
| 48 months | 2.88% | $1,203 |
Sources (2)
All captured Sep 17, 2026
IRA Term Share Certificate
Up to 3.44%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.44% | $344 |
| 24 months | 3.34% | $679 |
| 36 months | 3.03% | $937 |
| 48 months | 2.83% | $1,181 |
Sources (2)
All captured Sep 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
- Residents of Bosque, Coryell, Falls, Hill, Limestone, McLennan, Milam, or Robertson County are eligible for membership.
Membership information collected October 5, 2026.