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¹ APY=Annual Percentage Yield.  APY is accurate as of April 22, 2026.  Dividends will e compounded monthly and credited monthly.  This is a variable rate account.  The 3.00% promotional APY applies to 6-Month Promotional Performance Money Market balances of $25,000 and above; balances from $0.01 to $24,999.99 earn 0.10% APY.  Promotional APY will remain in effect for six (6) months after the account opening ("Promotional Period").  After the Promotional Period, APY will then be the current standard APY for the Performance Money Market applicable tier.   No monthly fee if a minimum balance of $1,000 is maintained OR aggregate direct deposit of $1,000/month into the same account.  Offer available for a limited time only and in person at the Lake Jackson Branch of Members Choice Credit Union.  View deposit disclosure and fee schedule.  

² APY = Annual Percentage Yield. APY is accurate as of April 22, 2026. The Promotional Rate CD offer available for a limited time only, in branch and at the Lake Jackson Branch of Members Choice Credit Union. Additional deposits may not be made after CD opening. On certificates of deposit, a penalty may be imposed for early withdrawal. Fees may reduce earnings. View deposit disclosure and fee schedule.  

³ APR=Annual Percentage Rate is effective as of April 16, 2026. Terms and Conditions apply.  Loans subject to credit approval. Rates and terms are for illustrative purposes only and are subject to change without notice and may end at any time.  Members Credit Union will match or beat a current external auto loan rate by 3%, as low as 3.99%. Rate can be obtained through additional loyalty discounts. Proof of current rate is required. Changes to ownership and purchases do not qualify. Existing Members Choice Credit Union auto loans are ineligible for refinancing offer.  Vehicles must have a Texas title.  Payment example:  12 monthly payments of $85.15 per $1,000 borrowed at 3.99%. Other terms and conditions may apply. 

* AUTO LOAN BONUS PROGRAM DISCLOSURES:  Offer Eligibility: For new members 18 years or older to qualify. Excludes existing MCCU loans o. Only one bonus per membership. Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes. Bonus rewards will be paid hen the loan is funded into the primary accountholder’s main savings account, provided all conditions have been met and accounts are in good standing at the time of payout.

⁴ Mortgage Closing Cost Credit valid on a primary purchase or rate/term refinance only.  Closing Cost Credit is a general lender credit that will be on the final closing disclosure.  Certain terms and conditions apply.  Cannot be combined with any other mortgage offers.  Offer available for a limited time, in person and at the Lake Jackson Office of Members Choice Credit Union. 

⁵ APY = Annual Percentage Yield. APY is accurate as of April 8, 2026.  Dividends on Money Market Accounts will be compounded monthly and credited each month. This is a variable rate account. The rate may change after the account is opened.  Minimum balances of $25,000; balances from $0.01 to $24,999.99 earn 0.10% APY.  No monthly fee if a minimum balance of $1,000 is maintained OR aggregate direct deposit of $1,000/month into the same account. Fees could reduce earnings.

⁶APY = Annual Percentage Yield.  APY accurate as of October 22, 2025. Rates are subject to change at any time without notice. Additional deposits may not be made after CD opening. On certificates of deposit, a penalty may be imposed for early withdrawal. Fees may reduce earnings. This offer is valid for a limited time only. View deposit disclosure and fee schedule.

⁷ APY - Annual Percentage Yield.  APY is accurate as of April 8, 2026.  Rates are subject to change anytime without notice.  Fees could reduce earnings on the account.  Minimum opening balance is $0.  Minimum to earn dividends is $0.01.  View the deposit disclosures and fee schedule.  Terms and conditions apply for Early Pay.  

⁸ APR=Annual Percentage Rate is effective as of April 16, 2026. Terms and Conditions apply.  Loans subject to credit approval. Rates and terms are for illustrative purposes only and are subject to change without notice and may end at any time.  Members Credit Union will match or beat a current external auto loan rate by 2%, as low as 3.99%. Rate can be obtained through additional loyalty discounts. Proof of current rate is required. Changes to ownership and purchases do not qualify. Existing Members Choice Credit Union auto loans are ineligible for refinancing offer.  Vehicles must have a Texas title.  Payment example:  12 monthly payments of $85.15 per $1,000 borrowed at 3.99%. Other terms and conditions may apply. 

** Interest still accrues during this time.  

⁹ *Annual Percentage Rate (APR) is accurate as of November 13, 2025. Rates are subject to change at any time without notice. The rate shown for this limited-time offer for up to 12 months and includes all available discounts. No other discounts apply. Other rates and terms are available. Payment example: 12 monthly payments of $86.06 per $1,000 borrowed at 5.99%.  

¹⁰ Annual Percentage Rate (APR) is accurate as of November 13, 2025.  Rates are subject to change at any time without notice.  The rate shown for this limited-time offer is for up to 12 months and includes all available discounts.  No other discounts apply.  Other rates and terms are available. A UCC lien is required.   Payment example:  12 monthly payments of $85.60 per $1,000 borrowed at 4.99%.

¹¹ Annual Percentage Rate (APR) is accurate as of March 12, 2026.  Rates are subject to change without notice.  The rate shown for this limited-time offer is for up to 12 months and includes available discounts.  No other discounts apply.  Other rates and terms are available.  Payment example:  12 monthly payments of $85.15 per $1,000 borrowed at 3.99%.  

¹² Helping Heroes Savings Program: Offers are subject to verification and are only valid for individuals in the following eligible professions: Educators & School Staff, Healthcare Workers, Law Enforcement, First Responders, Firefighters, Military Personnel and Veterans. Other terms and conditions apply. See link for complete details.

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.

About Members Choice Credit Union

We are more than a financial institution; we are your partners in bringing you closer to the life you aspire to live. For over 85 years, we've been dedicated to empowering families across Texas. Whether it’s buying your first home, driving off in a new car, building your savings, or becoming debt-free, we provide the tools and support to help you pursue your goals with confidence. Become a member today to unlock access to all member benefits.

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