Members Choice of Central Texas Credit Union
Verified rate book
Current Members Choice of Central Texas Credit Union rates
22 published offers verified as of July 28, 2026.
Mortgage rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Conventional Fixed Rate Primary Home Purchase or Refi30 year fixed | 6.620% APR | 6.620% | — | Standard |
| 30-Year Fixed30 year fixed | 7.060% APR | 6.870% | — | Standard |
| 100% Financing Fixed-Rate Mortgage30 year fixed | 7.430% APR | 7.240% | — | Standard |
| 15-Year Fixed15 year fixed | 6.660% APR | 6.370% | — | Standard |
| 100% Financing Fixed-Rate Mortgage15 year fixed | 7.040% APR | 6.740% | — | Standard |
| FlexChoice Convertible Adjustable-Rate to Fixed-Rate5 1 arm | 6.550% APR | 6.370% | — | Standard |
| 7/1 ARM7 1 arm | 6.850% APR | 6.670% | — | Standard |
| 20-Year Fixed20 year fixed | 6.860% APR | 6.620% | — | Standard |
| 100% Financing Fixed-Rate Mortgage20 year fixed | 7.230% APR | 6.990% | — | Standard |
| Mortgageother | 6.620% APR | 6.620% | — | Standard |
| Unimproved Residential Landother | 8.310% APR | 7.750% | — | Standard |
Auto & vehicle rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New and Pre-Owned Autosauto_used_36mo | 3.240% APR | 3.240% | 36 mo · used | Standard |
HELOC rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 6.490% APR | 6.490% | — | Standard |
| HELOC (HELOC) 1st Lienheloc_variable | 6.810% APR | 6.750% | — | Standard |
| First Lien Home Equityheloc | 6.960% APR | 6.490% | — | Standard |
| HELOC (HELOC) 2nd Lienheloc_variable | 7.060% APR | 7.000% | — | Standard |
| Second Lien Home Equityheloc | 7.630% APR | 7.240% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Signature Loanpersonal_unsecured | 8.240% APR | 8.240% | — | Standard |
| HomePlus Personal Loanpersonal_unsecured | 8.490% APR | 8.490% | — | Standard |
Savings & CD rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Maximum Money Market™ Accountmoney_market | 2.27% APY | 2.27% | — | Standard |
| 14-Mo or 18-Mo CDcd_14mo | 3.75% APY | 3.75% | 14 mo | Standard |
| Complete Checkingsavings | 4.00% APY | 4.00% | — | Standard |
As of July 28, 2026, Members Choice of Central Texas Credit Union offers a 30-year fixed mortgage at 6.62% APR. Auto loans available from 3.24% APR for 36 months. HELOC rates from 6.49% APR. Personal loan rates from 8.24% APR. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from Members Choice of Central Texas Credit Union's official website
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About Members Choice of Central Texas Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 18.3K
- Assets
- $213.3M
- Founded
- 1935
- Locations reported
- 3
- NCUA charter
- 199
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- Bilingual services
- Student scholarships
- Payday Alternative Loans I
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.
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 of Central Texas Credit Union
Membership eligibility from Members Choice of Central Texas Credit Union's own published criteria. How we verify this.
Membership via employers (ConocoPhillips Company +7 more) or the International Coaching Federation - Texas Locations +2 more
- LocationHarris, Fort Bend, Brazoria, Montgomery, Austin, Chambers, Galveston, Liberty, Waller, Wharton
- EmployerConocoPhillips Company, Continental Carbon Company, Daniel Industries Inc, Diamond Offshore Drilling Inc, DuPont Company, Oceaneering, Sysco Corporation, UTEX Industries
- AssociationInternational Coaching Federation - Texas Locations, The Arc of Harris County, Texas Consumer Council
Verified from Members Choice of Central Texas Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Members Choice of Central Texas Credit Union offer?
Members Choice of Central Texas Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 28, 2026 directly from the credit union's official website.
How often are Members Choice of Central Texas Credit Union rates updated?
RateAPI verifies Members Choice of Central Texas Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 28, 2026.
Where does RateAPI get Members Choice of Central Texas Credit Union's rate data?
Rate data is collected directly from Members Choice of Central Texas 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 of Central Texas Credit Union's mortgage rate?
As of July 28, 2026, Members Choice of Central Texas Credit Union offers a 30-year fixed mortgage at 6.62% APR.
What are Members Choice of Central Texas Credit Union's auto loan rates?
As of July 28, 2026, Members Choice of Central Texas Credit Union offers auto loans from 3.24% APR.
What is Members Choice of Central Texas Credit Union's HELOC rate?
As of July 28, 2026, Members Choice of Central Texas Credit Union offers home equity lines of credit from 6.49% APR.
What is Members Choice of Central Texas Credit Union's personal loan rate?
As of July 28, 2026, Members Choice of Central Texas Credit Union offers personal loans from 8.24% APR.
What is Members Choice of Central Texas Credit Union's best CD rate?
As of July 28, 2026, Members Choice of Central Texas Credit Union offers savings and certificate (CD) yields up to 4.00% APY.
Related Rate Data
Compare Members Choice of Central Texas Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Members Choice of Central Texas Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/members-choice-of-central-texas" \
-H "Authorization: Bearer YOUR_API_KEY"