Members Choice Credit Union

Official name

Members Choice Credit Union

Charter / type

NCUA-insured credit union (confirm via NCUA locator). Houston-area community CU (Katy / West Houston / Cy-Fair roots).

Field of membership (summary)

Published become-a-member page: anyone who lives, works, worships, attends a school, or owns a business in Harris, Fort Bend, Brazoria, Montgomery, Austin, Chambers, Galveston, Liberty, Waller, or Wharton County. Plus select employer groups/organizations outside that area.

Join steps (as published)

Confirm county (or SEG). Open membership with a published $5 deposit if not currently a member. Apply via Members Choice channels; memberships subject to approval including credit approval (published disclosure).

Fees (only if published)

Membership deposit $5 (existing). Checking pages: Complete / Daily / Student Saver waive MCCU and foreign ATM withdrawal fees up to $25/month; Opportunity Checking waives three MCCU ATM withdrawal fees at non-Members Choice ATMs per month. Full fee schedule dollars beyond these published checking notes: not fully transcribed this pass.

ATM / network notes

55,000+ Allpoint ATMs worldwide with no ATM surcharge (become-a-member / access pages). Prefer Allpoint.

Branches serving Greater Houston

Neighborhood branches serving Katy / West Houston / Cy-Fair marketing — use mccu.com locations; do not invent addresses.

Caveats

County-list FOM (includes Galveston). CIP and credit-union approval always apply.

Join difficulty rationale

Easy — published 10-county Houston live/work/worship/school/business path including core Greater Houston counties.

Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.