Members Choice Credit Union – 2020 Review & Ranking
AdvisoryHQ recently reviewed the top credit unions in Houston, Texas. Each credit union was individually researched based on general concepts of quality and value.
Various criteria were considered during the research process, some of which include fees, convenience, branches, online banking, education materials, and the selection of available services.
Click here for a detailed review of AdvisoryHQ’s selection methodology: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.
Members Choice Credit Union Review
Members Choice Credit Union has been helping people make informed financial decisions since 1941. It’s a full-service credit union in Houston that believes in empowering their members with financial education and having a passion for their community.
This top Houston credit union has 9 branch locations in the Houston area and is part of the Allpoint ATM network, which gives members access to 55,000 surcharge-free ATMs around the world.
To qualify for membership you need to live, work, worship, attend school, or have a business located in one of over 100 zip codes in the Houston area. Family members of a member can also join.
Key Factors That Enabled This Credit Union to Rank as a Top Credit Union
Online and Mobile Banking Options
As one of the top credit unions in Houston, Members Choice offers convenient online and mobile banking for their members. They offer a mobile app that is available for Apple and Android users.
The app allows account holders to check account balances, view transaction history, transfer funds, locate ATM and branch locations, make mobile check deposits, and more.
Best Ranking Houston Credit Unions
Account holders can also manage accounts with Members Choice online banking via a web browser and take advantage of digital wallet compatibility. Your Members Choice Credit Union Visa debit card can be used with:
- Apple Pay
- Google Pay
- Samsung Pay
- Microsoft Wallet
- Garmin Pay
- Fitbit Pay
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Checking and Savings Accounts
Members Choice offers an array of checking and savings accounts to meet the varied needs of individuals.
The checking options at this top Houston credit union include:
Cash Back Checking
Cash Back Checking allows members to be rewarded with cash back on all debit card related purchases. They can also get up to $25 in ATM fees refunded to their account each month.
- No monthly service fees
- No minimum account balance required
- No cash back limitations
- Cash back rate of 0.10% on all debit card related purchases
If you’re just looking for a simple, no service fee, no minimum balance checking account, then Basic Checking by Members Choice is a good fit. There is just a $25 minimum deposit to open this no-frills checking account.
For those who have had past troubles with credit or banking, can get a second chance to manage their finances with Opportunity Checking. It’s designed to support those who have had difficulty opening an account due to past issues and help them move in the right direction.
For students between the ages of 15-22, this account can help them get started on a bright financial future. It includes no monthly service fee or minimum balance requirements. Students with this account also qualify for a 0.10% reduction on an MCCU student loan.
Members Choice has a variety of ways to save your money including savings accounts and investments. Their options include:
- Savings Account
- Certificate of Deposit
- Money Market
- Christmas Club
- Investment Services
Credit Cards and Loans
Members Choice also offers members credit and loan options. It has an array of personal credit cards available to apply for as well as personal loans. Some of the loans available are:
- Auto loans
- Line of credit
- Home loans
- Personal loans
- Student loans
Members can also apply for specialized business credit cards and loans.
Related: Top Rated – JSC Federal Credit Union
Members Choice not only offers a full range of financial services for its members, it also has one of the easiest and most comprehensive websites that we’ve seen of any of the other best Houston credit unions.
With a focus on empowering their members for a better financial future and a wide choice of checking and savings options, Members Choice Credit Union scores a 5-star rating as one of the top credit unions in Houston, TX to consider this year.
To browse exclusive reviews of all top-rated credit unions in Houston, Texas, please click on any of the links below:
- BP Federal Credit Union
- Cy-Fair Federal Credit Union
- First Community Credit Union
- First Service Credit Union
- Harris County Federal Credit Union
- Houston Police Federal Credit Union
- Houston Texas Fire Fighters
- JSC Federal Credit Union
- Members Choice Credit Union
- Memorial Credit Union
- People’s Trust Federal Credit Union
- Primeway Federal Credit Union
- Smart Financial Credit Union
- Texas Bay Credit Union
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