--- title: "Members Choice Credit Union Rates (Nov 2026): CDs to 5.26%" description: "Members Choice Credit Union rates today: savings & CDs up to 5.26% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Members Choice Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kentucky/members-choice" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Members Choice Credit Union Rates (Nov 2026): CDs to 5.26% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Mortgage Rates NMLS# 411945 (15 Year Fixed)** 15 year fixed | — APR | 5.750% | — | Standard | | **Mortgage Rates NMLS# 411945 (10 Year Fixed)** 10 year fixed | — APR | 6.000% | — | Standard | | **Mortgage Rates NMLS# 411945 (20 Year Fixed)** 20 year fixed | — APR | 6.250% | — | Standard | | **Mortgage Rates NMLS# 411945 (5 Year Fixed)** other | — APR | 6.000% | — | Standard | | **Mortgage Rates NMLS# 411945 (Construction (Manufactured Home))** other | — APR | 6.990% | — | Standard | | **Mortgage Rates NMLS# 411945 (Land Only (Improved or Unimproved Land))** other | — APR | 7.875% | — | Standard | | **Mortgage Rates NMLS# 411945 (Construction (Site-Built))** other | — APR | 8.990% | — | Standard | Members Choice Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Boat New/Used** boat_any_144mo | — APR | 7.240% | 144 mo · any | Standard | | **Camper New/Used** rv_any_144mo | — APR | 7.240% | 144 mo · any | Standard | | **4 Wheeler/Side-by-Side New/Used** powersports_any_60mo | — APR | 7.240% | 60 mo · any | Standard | | **Motorcycle New/Used** motorcycle_any_60mo | — APR | 7.240% | 60 mo · any | Standard | Members Choice Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Mortgage Rates NMLS# 411945 (Second Mortgage)** heloc_fixed | — APR | 6.250% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 8.750% | — | Standard | Members Choice Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **$7,499.99 And Below** personal | — APR | 12.240% | — | Standard | | **$7,500 Up To $25,000** personal | — APR | 12.240% | — | Standard | Members Choice Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 19 offers | Product | Published | Rate | Term / condition | Status | | **Tier 1 ($.01 to $499.99)** savings | — APY | 0.50% | — | Standard | | **Savings** share_savings | 0.50% APY | 0.50% | — | Standard | | **3 Month (Not Available for IRAs)** ira | 0.70% APY | 0.70% | 3 mo | Standard | | **Tier 2 ($500 to $50,000)** savings | — APY | 1.00% | — | Standard | | **Tier 3 ($50,000.01 to $100,000)** savings | — APY | 1.25% | — | Standard | | **Tier 4 ($100,000.01+)** savings | — APY | 1.50% | — | Standard | | **IRA-Traditional or Roth** ira | 2.33% APY | 2.30% | — | Standard | | **HSA** savings | 2.33% APY | 2.30% | — | Standard | | **6 Month (Not Available for IRAs)** ira | — APY | 2.79% | 6 mo | Standard | | **9 Month (Not Available for IRAs)** ira | — APY | 2.79% | 9 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 2.89% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.89% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.05% | 24 mo | Standard | | **30-Month Certificate** cd_30mo | — APY | 3.05% | 30 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.20% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.30% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.41% | 60 mo | Standard | | **Christmas Club^** savings | 5.13% APY | 5.00% | — | Specialty offer | | **MyChoice Club** savings | 5.26% APY | 5.25% | — | Standard | Members Choice Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 5.26% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kentucky/members-choice) , verified from [Members Choice Credit Union's official website](https://www.mccu.net/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**F.c.i. Ashland** FCI ASHLAND FEDERAL CREDIT UNION · Ashland · KY · 41101 Branch in the same ZIP](https://rateapi.dev/credit-unions/kentucky/fci-ashland) [**Desco** Desco · Ashland · KY · 41101-7514 About 0.4 miles away](https://rateapi.dev/credit-unions/ohio/desco) [**Bluegrass Community** Area Advertising · Ashland · KY · 41101 About 0.4 miles away](https://rateapi.dev/credit-unions/kentucky/bluegrass-community) [**Ashland** ACU Headquarters · ASHLAND · KY · 41101 About 0.4 miles away](https://rateapi.dev/credit-unions/kentucky/ashland) [**Star Usa** Huntington VA · Huntington · WV · 25704-9501 About 9.7 miles away](https://rateapi.dev/credit-unions/west-virginia/star-usa) [**First Priority** Huntington · Huntington · WV · 25701 About 10.9 miles away](https://rateapi.dev/credit-unions/west-virginia/first-priority) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Members Choice Credit Union's website. Check the membership page below to confirm whether you qualify. - Location bath, 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 — KY - Employer Very Important Partner Verified from [Members Choice Credit Union's membership page](https://www.mccu.net/membership) . Final membership determination is always made by the credit union. ## Membership rules for Members Choice Credit Union Geography 33 counties · Employers 2 · Family 2 103 published paths to membership, last verified August 27, 2026, quoted from Members Choice Credit Union’s own published criteria. ### Geography 33 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Bath County, KY - Bell County, KY - Boyd County, KY - Bracken County, KY - Breathitt County, KY - Carter County, KY - Clay County, KY - Elliott County, KY - Fleming County, KY - Floyd County, KY - Greenup County, KY - Harlan County, KY - Jackson County, KY - Johnson County, KY - Knott County, KY - Knox County, KY - Lawrence County, KY - Lee County, KY - Leslie County, KY - Letcher County, KY - Lewis County, KY - Magoffin County, KY - Martin County, KY - Mason County, KY - Menifee County, KY - Montgomery County, KY - Morgan County, KY - Owsley County, KY - Perry County, KY - Pike County, KY - Robertson County, KY - Rowan County, KY - Wolfe County, KY “Anyone who lives, works, worships, or goes to schools within the following 33 counties of Eastern Kentucky: Bath, Bell, Boyd, Bracken, Breathitt, Carter, Clay, Elliott, Fleming, Floyd, Greenup, Harlan, Jackson, Johnson, Knott, Knox, Lawrence, Lee, Leslie, Letcher, Lewis, Magoffin, Martin, Mason,…” > [source ↗](https://www.mccu.net/membership) Show all 33 places ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Very Important Partner “Any employee or retiree of a Very Important Partner” > [source ↗](https://www.mccu.net/membership) - Employee of Very Important Partner - Retired employee of Very Important Partner “Any employee or retiree of a Very Important Partner” > [source ↗](https://www.mccu.net/membership) - Retiree of Very Important Partner ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family member “Any immediate family member of an existing Members Choice member” > [source ↗](https://www.mccu.net/membership) - Family member (immediate family member) of a member - Family of a member immediate family “Any immediate family member of an existing Members Choice member” > [source ↗](https://www.mccu.net/membership) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Members Choice Credit Union? Yes No ## Work at Members Choice Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Members Choice Credit Union ranks against Kentucky peers. - See which AI assistants fetched Members Choice Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kentucky - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=members-choice&state=kentucky&code=KY&name=Members%20Choice%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Members Choice Credit Union offer? Members Choice Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 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 November 12, 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 best CD rate? As of November 12, 2026, Members Choice Credit Union offers savings and certificate (CD) yields up to 5.26% APY. ### Who can join Members Choice Credit Union? Members Choice Credit Union publishes its membership criteria on its own website. RateAPI tracks 103 published membership paths covering 33 counties and 2 employers for Members Choice Credit Union, each quoted from Members Choice Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Members Choice Credit Union's rates against national credit-union benchmarks. [More Kentucky credit unions](https://rateapi.dev/credit-unions/kentucky) [Kentucky mortgage rate leaders](https://rateapi.dev/mortgage-rates/kentucky) [Kentucky auto loan rate leaders](https://rateapi.dev/auto-loan-rates/kentucky) [Kentucky HELOC rate leaders](https://rateapi.dev/heloc-rates/kentucky) [Kentucky personal loan leaders](https://rateapi.dev/personal-loan-rates/kentucky) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mccu.net/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Members Choice Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Kentucky credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Members Choice Credit Union curl "https://api.rateapi.dev/credit-unions/kentucky /members-choice " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Members Choice Credit Union locations Search, filter, and browse all 8 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/kentucky/members-choice Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp