Members Choice Credit Union

Ashland, Kentucky
Last verified: August 4, 2026
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Verified rate book

Current Members Choice Credit Union rates

68 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

11 offers
Members Choice Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
15-Year Fixed15 year fixed5.750% APR5.750%—Standard
10-Year Fixed10 year fixed6.000% APR6.000%—Standard
20-Year Fixed20 year fixed6.250% APR6.250%—Standard
5 Year Fixed Mortgageother6.000% APR6.000%—Standard
5 Year Fixedother6.000% APR6.000%—Standard
Construction Loan (Manufactured Home)other6.990% APR6.990%—Standard
Construction (Manufactured Home)other6.990% APR6.990%—Standard
Land Loanother7.875% APR7.875%—Standard
Land Only (Improved or Unimproved Land)other7.875% APR7.875%—Standard
Construction Loan (Site-Built)other8.990% APR8.990%—Standard
Construction (Site-Built)other8.990% APR8.990%—Standard

Auto & vehicle rates

14 offers
Members Choice Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Used Auto Loan (1-3 Years)auto_used_84mo5.490% APR5.490%84 mo · usedStandard
Used Auto Loan (4-7 Years)auto_used_72mo5.490% APR5.490%72 mo · usedStandard
84-Month New Auto Loan (2026 and Newer)auto_new_84mo5.490% APR5.490%84 mo · newStandard
New Autos (2026 and 2027 models)auto_new_84mo5.490% APR5.490%84 mo · newStandard
Used Auto Loan (8-10 Years)auto_used_60mo6.490% APR6.490%60 mo · usedStandard
4 Wheeler/Side-by-Side Loanpowersports_any_60mo7.240% APR7.240%60 moStandard
Motorcycle New/Usedmotorcycle_any_60mo7.240% APR7.240%60 mo · anyStandard
60-Month Motorcycle Loanmotorcycle_any_60mo7.240% APR7.240%60 moStandard
4 Wheeler/Side-by-Side New/Usedpowersports_any_60mo7.240% APR7.240%60 mo · anyStandard
144-Month Boat Loanboat_any_144mo7.240% APR7.240%144 moStandard
Camper New/Usedrv_any_144mo7.240% APR7.240%144 mo · anyStandard
144-Month RV Loanrv_any_144mo7.240% APR7.240%144 moStandard
Boat New/Usedboat_any_144mo7.240% APR7.240%144 mo · anyStandard
Used Auto Loan (10+ Years)auto_used_48mo8.490% APR8.490%48 mo · usedStandard

HELOC rates

2 offers
Members Choice Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Second Mortgageheloc_fixed6.250% APR6.250%—Standard
HELOC (Variable)heloc_variable8.750% APR8.750%—Standard

Personal loan rates

4 offers
Members Choice Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Up to 60-Month Signature Loanpersonal_unsecured_60mo12.240% APR12.240%60 moStandard
Signature Loan (Under $7,500)personal_unsecured_48mo12.240% APR12.240%48 moStandard
Up to 48-Month Signature Loanpersonal_unsecured_48mo12.240% APR12.240%48 moStandard
Signature Loan ($7,500-$25,000)personal_unsecured_60mo12.240% APR12.240%60 moStandard

Credit card rates

1 offer
Members Choice Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card10.000% APR10.000%—Standard

Savings & CD rates

36 offers
Members Choice Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
MyChoice Advantagesavings0.05% APY0.05%—Standard
Savingsshare_savings0.50% APY0.50%—Standard
Tier 1 ($.01 to $499.99)savings0.50% APY0.50%—Standard
Money Market Tier 1money_market0.50% APY0.50%—Standard
3-Month Certificateshare_certificate_3mo0.70% APY0.70%3 moStandard
3-Month Certificatecd_3mo0.70% APY0.70%3 moStandard
Share and IRA Certificates (3 Month (Not Available for IRAs))ira_cd_3mo0.70% APY0.70%3 moStandard
Tier 2 ($500 to $50,000)savings1.00% APY1.00%—Standard
Money Market Tier 2money_market1.01% APY1.00%—Standard
Tier 3 ($50,000.01 to $100,000)savings1.25% APY1.25%—Standard
Money Market Tier 3money_market1.26% APY1.25%—Standard
Tier 4 ($100,000.01+)savings1.50% APY1.50%—Standard
Money Market Tier 4money_market1.51% APY1.50%—Standard
MyChoice Wealth Savingssavings2.00% APY2.00%—Standard
IRA-Traditional or Rothira2.30% APY2.30%—Standard
HSAsavings2.30% APY2.30%—Standard
9-Month Certificatecd_9mo2.79% APY2.75%9 moStandard
6-Month Certificatecd_6mo2.79% APY2.75%6 moStandard
Share and IRA Certificates (9 Month (Not Available for IRAs))ira_cd_9mo2.79% APY2.75%9 moStandard
Share and IRA Certificates (6 Month (Not Available for IRAs))ira_cd_6mo2.79% APY2.75%6 moStandard
18-Month IRA Certificateira_cd_18mo2.89% APY2.85%18 moStandard
12-Month Certificatecd_12mo2.89% APY2.85%12 moStandard
18-Month Certificatecd_18mo2.89% APY2.85%18 moStandard
12-Month IRA Certificateira_cd_12mo2.89% APY2.85%12 moStandard
30-Month IRA Certificateira_cd_30mo3.05% APY3.00%30 moStandard
24-Month IRA Certificateira_cd_24mo3.05% APY3.00%24 moStandard
30-Month Certificatecd_30mo3.05% APY3.00%30 moStandard
24-Month Certificatecd_24mo3.05% APY3.00%24 moStandard
36-Month IRA Certificateira_cd_36mo3.20% APY3.15%36 moStandard
36-Month Certificatecd_36mo3.20% APY3.15%36 moStandard
48-Month Certificatecd_48mo3.30% APY3.25%48 moStandard
48-Month IRA Certificateira_cd_48mo3.30% APY3.25%48 moStandard
60-Month IRA Certificateira_cd_60mo3.41% APY3.35%60 moStandard
60-Month Certificatecd_60mo3.41% APY3.35%60 moStandard
Vacation Club^savings5.00% APY5.00%—Specialty offer
Christmas Club^savings5.25% APY5.25%—Specialty offer

As of August 4, 2026, Members Choice Credit Union offers a 15-year fixed mortgage at 5.75% APR. Vehicle loans available from 5.49% APR for 84 months. HELOC rates from 6.25% APR. Personal loan rates from 12.24% APR. Credit card rates from 10% APR. Savings and certificate yields up to 3.41% APY.

Source: RateAPI.dev, verified from Members Choice Credit Union's official website

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About Members Choice Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
23.2K
Assets
$425.8M
Founded
1932
Locations reported
8
NCUA charter
62026
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Financial counseling
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

AshlandACU Headquarters · ASHLAND · KY · 41101Branch in the same ZIPBluegrass CommunityBluegrass Community FCU Main Office · Ashland · KY · 41101Branch in the same ZIPDescoDesco · Ashland · KY · 41101-7514Branch in the same ZIPF.c.i. AshlandFCI ASHLAND FEDERAL CREDIT UNION · Ashland · KY · 41101Branch in the same ZIPMetro CommunityMetro Community Federal CU · Huntington · WV · 25703About 13.1 miles awayStar UsaHuntington VA · Huntington · WV · 25704-9501About 14.7 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Members Choice Credit Union

Membership eligibility from Members Choice Credit Union's own published criteria. How we verify this.

Community charter: live/work in Bath, Bell, Boyd +30 more

  • LocationBath, Bell, Boyd, Bracken, Breathitt, Carter, Clay, Elliott, Fleming, Floyd, Greenup, Harlan, Jackson, Johnson, Knott, Knox, Lawrence, Lee, Leslie, Letcher, Lewis, Magoffin, Martin, Mason, Menifee, Montgomery, Morgan, Owsley, Perry, Pike, Robertson, Rowan, Wolfe

Verified from Members Choice Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Members Choice Credit Union?

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Frequently Asked Questions

What rates does Members Choice Credit Union offer?

Members Choice Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Members Choice Credit Union rates updated?

RateAPI verifies Members Choice Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Members Choice Credit Union's rate data?

Rate data is collected directly from Members Choice Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Members Choice Credit Union's mortgage rate?

As of August 4, 2026, Members Choice Credit Union offers a 15-year fixed mortgage at 5.75% APR.

What are Members Choice Credit Union's auto, rv, boat, motorcycle & powersports loan rates?

As of August 4, 2026, Members Choice Credit Union offers vehicle loans from 5.49% APR.

What is Members Choice Credit Union's HELOC rate?

As of August 4, 2026, Members Choice Credit Union offers home equity lines of credit from 6.25% APR.

What is Members Choice Credit Union's personal loan rate?

As of August 4, 2026, Members Choice Credit Union offers personal loans from 12.24% APR.

What is Members Choice Credit Union's best CD rate?

As of August 4, 2026, Members Choice Credit Union offers savings and certificate (CD) yields up to 3.41% APY.

Related Rate Data

Compare Members Choice Credit Union's rates against national credit-union benchmarks.

More Kentucky credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Members Choice Credit Union
curl "https://api.rateapi.dev/credit-unions/kentucky/members-choice" \
  -H "Authorization: Bearer YOUR_API_KEY"
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