Members Choice of Central Texas

waco, Texas
Last verified: July 10, 2026

As of July 10, 2026, Members Choice of Central Texas offers a 30-year-fixed mortgage at 6.37% APR (6.37% rate, 0 points). HELOC rates from 5.74% APR.

Source: RateAPI.dev, verified from Members Choice of Central Texas's official website

Who Can Join Members Choice of Central Texas

Membership eligibility from Members Choice of Central Texas's own published criteria. How we verify this.

Membership via employers (ConocoPhillips Company +7 more) or the International Coaching Federation - Texas Locations +2 more

Verified from Members Choice of Central Texas's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

30-year-fixed
6.370% APR
Rate6.370%
Points0
[PROMOTIONAL] Conventional Fixed Rate Primary Home Purchase or Refi
30-year-fixed
6.800% APR
Rate6.620%
Points0
30-Year Conventional Fixed-Rate
30-year-fixed
7.180% APR
Rate6.990%
Points0
30-Year 100% Financing Fixed-Rate
15-year-fixed
6.410% APR
Rate6.120%
Points0
15-Year Conventional Fixed-Rate
15-year-fixed
6.780% APR
Rate6.490%
Points0
15-Year 100% Financing Fixed-Rate
5-1-arm
6.300% APR
Rate6.120%
Points0
5/1 Adjustable-Rate Mortgage
5-1-arm
6.300% APR
Rate6.120%
Points0
5/1 FlexChoice Convertible Mortgage
7-1-arm
6.600% APR
Rate6.420%
Points0
7/1 Adjustable-Rate Mortgage
20-year-fixed
6.610% APR
Rate6.370%
Points0
20-Year Conventional Fixed-Rate
7-1-arm
6.680% APR
Rate6.500%
Points0
7/1 FlexChoice Convertible Mortgage
10-1-arm
6.910% APR
Rate6.720%
Points0
10/1 Adjustable-Rate Mortgage
20-year-fixed
6.980% APR
Rate6.740%
Points0
20-Year 100% Financing Fixed-Rate
10-1-arm
7.060% APR
Rate6.870%
Points0
10/1 FlexChoice Convertible Mortgage

HELOC Rates

Rates as of July 10, 2026

heloc_fixed
5.740% APR
Rate5.740%
[PROMOTIONAL] Home Equity Loan
heloc
6.200% APR
Rate5.740%
15-Year First Lien Home Equity
heloc
6.360% APR
Rate5.990%
20-Year First Lien Home Equity
heloc
6.520% APR
Rate6.240%
30-Year First Lien Home Equity
heloc_variable
6.810% APR
Rate6.750%
1st Lien HELOC
heloc_variable
7.060% APR
Rate7.000%
2nd Lien HELOC
heloc
7.470% APR
Rate6.990%
15-Year Second Lien Home Equity
heloc
7.630% APR
Rate7.240%
20-Year Second Lien Home Equity

Frequently Asked Questions

What rates does Members Choice of Central Texas offer?

Members Choice of Central Texas currently offers mortgage, and HELOC rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Members Choice of Central Texas rates updated?

RateAPI verifies Members Choice of Central Texas's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Members Choice of Central Texas's rate data?

Rate data is collected directly from Members Choice of Central Texas'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's mortgage rate?

As of July 10, 2026, Members Choice of Central Texas offers a 30-year-fixed mortgage at 6.37% APR.

Related Rate Data

Compare Members Choice of Central Texas's rates against national credit-union benchmarks.

More Texas credit unionsMortgage rate benchmarkHELOC 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.

View Original Source

Methodology

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

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Members Choice of Central Texas
curl "https://api.rateapi.dev/credit-unions/texas/members" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude