Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Houston
Members Choice Credit Union has been a trusted financial partner for over 80 years, serving the Greater Houston area since 1941. As a member-owned cooperative, we prioritize people over profits, offering a full range of financial services designed to empower individuals, families, and businesses. Our expertise spans personal and business banking, competitive loan programs, and mortgage solutions, all backed by a commitment to community impact and financial education.With federally insured deposits and a focus on personalized service, we deliver the reliability and local knowledge that have earned us recognition as a top credit union and mortgage lender in Houston.
Services
Personal Checking
Auto Loans
Mortgage Services
Credit Cards
Business Banking
Details
- Year established: 1941
Highlights and features
- Over 80 years of experience serving Houston's financial needs
- Member-owned structure prioritizing customer benefits over profits
- Competitive rates on loans, mortgages, and high-yield accounts
- 24/7 digital banking access with robust security features
- Community-focused initiatives and local decision-making
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Great customer service
Competitive rates
Quick loan processing
User-friendly app
Community involvement
Services
Personal Checking
Flexible checking solutions for everyday financial needs. Offers include no monthly fees, early direct deposit access, and Zelle integration. High-yield options reward active users with competitive interest rates while maintaining liquidity for daily transactions.
Auto Loans
Competitive-rate auto loans for new and used vehicles with terms up to 60 months. Includes refinancing options with potential rate matching and loyalty discounts. Special programs support first-time buyers and Texas residents.
Mortgage Services
Comprehensive mortgage solutions including fixed-rate, adjustable-rate, and convertible options. Features 60-day rate lock, pre-approval programs, and specialized terms for primary residences, investment properties, and Texas land purchases.
Credit Cards
Rewards-focused credit cards with 0% introductory APR periods. Options include cashback rewards, bonus points programs, and low-interest rate tiers. Loyalty discounts available for existing members and bundled services.
Business Banking
Tailored business checking accounts with tiered benefits. Features include free online banking, merchant services, business bill pay, and automated fund sweeps. Supports startups, small businesses, and established corporations.
People
Luke Billeri
President & CEO
Leading Members Choice Credit Union with over 25 years of financial leadership experience, focusing on digital transformation and community engagement initiatives.
Keith Hrnyak
SVP, Chief Financial Officer
Manages financial strategy and risk management with expertise in credit union operations and regulatory compliance.
Johnny Williams
Board Chairman
Serves on the board since 2015, bringing decades of local business leadership and governance experience to strategic decision-making.
Questions
What is Members Choice Credit Union's routing number?
Our routing number is 313083196, used for all account transactions and wire transfers.
How do I qualify for membership?
Eligibility requires living, working, or attending school in the Greater Houston area, or having family ties to existing members.
Can I apply for a loan online?
Yes, start your loan application online with pre-approval options available for most products.
What digital banking features are available?
24/7 access through mobile apps, online banking, Zelle transfers, and mobile check deposit with real-time notifications.
Are business accounts insured?
All deposits, including business accounts, are federally insured up to $250,000 through NCUA.