Deposit Insurance | Members Choice Credit Union | Houston, TX



On Sunday, August 19, 2018, from 12am-7am CT, transactions including mobile deposit, SmartPay, electronic financial institution-to-financial institution transfer and electronic check processing will not be available during this timeframe for maintenance.  We apologize for the inconvenience. 


Members Choice Credit Union's New Online and Mobile Banking is LIVE!

Accessing and Logging Into Your Account 

Instructions for logging into your account(s) are available at ONLINE BANKING and MOBILE BANKIING

Please contact us at or 281-398-9900 if you have any questions.


Online Banking

Online Banking

Deposit Insurance

Your Money is Protected

The money you have on deposit at Members Choice Credit Union is insured by the National Credit Union Share Insurance Fund (NCUSIF), a fund backed by the federal government. Deposit Insurance is simply added peace of mind that your money is safe. Federal insurance protects the money in all your deposit accounts. Some limits apply, see below.

How You Are Covered

All members of federally insured credit unions are insured up to $250,000. If you have $250,000 or less on deposit, you’re covered 100 percent.

Retirement accounts are insured separately – in addition to your non-retirement accounts. Your money in Traditional and Roth IRAs is protected to a combined total of $250,000. If you have several IRAs at Members Choice with balances that add up to $250,000 or less, deposit insurance covers you 100 percent.

Depending on what type of accounts you have at Members Choice, you can potentially be covered for several hundred thousand dollars or more. Joint account owners with equal rights to an account are each insured up to $250,000.

Read the brochure about Your Insured Funds

Benefits of a Federally Insured Credit Union

The benefits of keeping your money in a federally insured credit union go beyond dollar amounts. The NCUA (National Credit Union Administration)— our federal regulator— has strict operating standards that credit unions must adhere to in order to qualify for federal insurance in the first place. As a result, the NCUA regularly monitors credit unions to assure that they continue operating successfully.

Members Choice Credit Union