Members Choice Credit Union
Verified rate book
Current Members Choice Credit Union rates
57 published offers verified as of August 14, 2026.
Mortgage rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 5 Year Fixedother | 6.000% APR | 6.000% | — | Standard |
| Construction (Manufactured Home)other | 6.990% APR | 6.990% | — | Standard |
| Land Only (Improved or Unimproved Land)other | 7.875% APR | 7.875% | — | Standard |
| Construction (Site-Built)other | 8.990% APR | 8.990% | — | Standard |
Auto & vehicle rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Autos (2026 and 2027 models)auto_new_84mo | 5.490% APR | 5.490% | 84 mo · new | Standard |
| Used Auto Loan (4-7 Years)auto_used_72mo | 5.490% APR | 5.490% | 72 mo · used | Standard |
| 84-Month New Auto Loan (2026 and Newer)auto_new_84mo | 5.490% APR | 5.490% | 84 mo · new | Standard |
| Used Auto Loan (1-3 Years)auto_used_84mo | 5.490% APR | 5.490% | 84 mo · used | Standard |
| Used Auto Loan (8-10 Years)auto_used_60mo | 6.490% APR | 6.490% | 60 mo · used | Standard |
| 144-Month RV Loanrv_any_144mo | 7.240% APR | 7.240% | 144 mo | Standard |
| Boat New/Usedboat_any_144mo | 7.240% APR | 7.240% | 144 mo · any | Standard |
| 60-Month Motorcycle Loanmotorcycle_any_60mo | 7.240% APR | 7.240% | 60 mo | Standard |
| Motorcycle New/Usedmotorcycle_any_60mo | 7.240% APR | 7.240% | 60 mo · any | Standard |
| 4 Wheeler/Side-by-Side New/Usedpowersports_any_60mo | 7.240% APR | 7.240% | 60 mo · any | Standard |
| 4 Wheeler/Side-by-Side Loanpowersports_any_60mo | 7.240% APR | 7.240% | 60 mo | Standard |
| Camper New/Usedrv_any_144mo | 7.240% APR | 7.240% | 144 mo · any | Standard |
| 144-Month Boat Loanboat_any_144mo | 7.240% APR | 7.240% | 144 mo | Standard |
| Used Auto Loan (10+ Years)auto_used_48mo | 8.490% APR | 8.490% | 48 mo · used | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Second Mortgageheloc_fixed | 6.250% APR | 6.250% | — | Standard |
| HELOC (Variable)heloc_variable | 8.750% APR | 8.750% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Signature Loan ($7,500-$25,000)personal_unsecured_60mo | 12.240% APR | 12.240% | 60 mo | Standard |
| Up to 48-Month Signature Loanpersonal_unsecured_48mo | 12.240% APR | 12.240% | 48 mo | Standard |
| Signature Loan (Under $7,500)personal_unsecured_48mo | 12.240% APR | 12.240% | 48 mo | Standard |
| Up to 60-Month Signature Loanpersonal_unsecured_60mo | 12.240% APR | 12.240% | 60 mo | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 10.000% APR | 10.000% | — | Standard |
Savings & CD rates
32 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| MyChoice Advantagesavings | 0.05% APY | 0.05% | — | Standard |
| Savingsshare_savings | 0.50% APY | 0.50% | — | Standard |
| Tier 1 ($.01 to $499.99)savings | 0.50% APY | 0.50% | — | Standard |
| 3-Month Certificateshare_certificate_3mo | 0.70% APY | 0.70% | 3 mo | Standard |
| 3-Month Certificatecd_3mo | 0.70% APY | 0.70% | 3 mo | Standard |
| Share and IRA Certificates (3 Month (Not Available for IRAs))ira_cd_3mo | 0.70% APY | 0.70% | 3 mo | Standard |
| Tier 2 ($500 to $50,000)savings | 1.00% APY | 1.00% | — | Standard |
| Tier 3 ($50,000.01 to $100,000)savings | 1.25% APY | 1.25% | — | Standard |
| Tier 4 ($100,000.01+)savings | 1.50% APY | 1.50% | — | Standard |
| MyChoice Wealth Savingssavings | 2.00% APY | 2.00% | — | Standard |
| HSAsavings | 2.30% APY | 2.30% | — | Standard |
| IRA-Traditional or Rothira | 2.30% APY | 2.30% | — | Standard |
| Share and IRA Certificates (9 Month (Not Available for IRAs))ira_cd_9mo | 2.79% APY | 2.75% | 9 mo | Standard |
| 9-Month Certificatecd_9mo | 2.79% APY | 2.75% | 9 mo | Standard |
| 6-Month Certificatecd_6mo | 2.79% APY | 2.75% | 6 mo | Standard |
| Share and IRA Certificates (6 Month (Not Available for IRAs))ira_cd_6mo | 2.79% APY | 2.75% | 6 mo | Standard |
| 18-Month IRA Certificateira_cd_18mo | 2.89% APY | 2.85% | 18 mo | Standard |
| 18-Month Certificatecd_18mo | 2.89% APY | 2.85% | 18 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 2.89% APY | 2.85% | 12 mo | Standard |
| 12-Month Certificatecd_12mo | 2.89% APY | 2.85% | 12 mo | Standard |
| 30-Month IRA Certificateira_cd_30mo | 3.05% APY | 3.00% | 30 mo | Standard |
| 24-Month Certificatecd_24mo | 3.05% APY | 3.00% | 24 mo | Standard |
| 30-Month Certificatecd_30mo | 3.05% APY | 3.00% | 30 mo | Standard |
| 24-Month IRA Certificateira_cd_24mo | 3.05% APY | 3.00% | 24 mo | Standard |
| 36-Month Certificatecd_36mo | 3.20% APY | 3.15% | 36 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.20% APY | 3.15% | 36 mo | Standard |
| 48-Month Certificatecd_48mo | 3.30% APY | 3.25% | 48 mo | Standard |
| 48-Month IRA Certificateira_cd_48mo | 3.30% APY | 3.25% | 48 mo | Standard |
| 60-Month IRA Certificateira_cd_60mo | 3.41% APY | 3.35% | 60 mo | Standard |
| 60-Month Certificatecd_60mo | 3.41% APY | 3.35% | 60 mo | Standard |
| Vacation Club^savings | 5.00% APY | 5.00% | — | Specialty offer |
| Christmas Club^savings | 5.25% APY | 5.25% | — | Specialty offer |
As of August 14, 2026, Members Choice Credit Union offers mortgage rates from 6% 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
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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.
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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 14, 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 14, 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 14, 2026, Members Choice Credit Union offers mortgage rates from 6% APR.
What are Members Choice Credit Union's auto, rv, boat, motorcycle & powersports loan rates?
As of August 14, 2026, Members Choice Credit Union offers vehicle loans from 5.49% APR.
What is Members Choice Credit Union's HELOC rate?
As of August 14, 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 14, 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 14, 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.
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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View MethodologyTrack Members Choice Credit Union rates
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# Get rates for Members Choice Credit Union
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