Today's rates from MEMBERS CHOICE
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.99% | 7.18% | — | Nov 2, 2026 Lender's sheet dated Sep 21, 2026 | Visit | |
| 20 Year Fixed | 6.74% | 6.98% | — | Nov 2, 2026 Lender's sheet dated Sep 21, 2026 | Visit | |
| 15 Year Fixed | 6.49% | 6.78% | — | Nov 2, 2026 Lender's sheet dated Sep 21, 2026 | Visit | |
| 5 Year ARM | 6.37% | 6.55% | — | Nov 2, 2026 Lender's sheet dated Sep 21, 2026 | Visit | |
| 7 Year ARM | 6.67% | 6.86% | — | Nov 2, 2026 Lender's sheet dated Sep 21, 2026 | Visit | |
| 10 Year ARM | 6.97% | 7.16% | — | Nov 2, 2026 Lender's sheet dated Sep 21, 2026 | Visit |
Rate history
Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join MEMBERS CHOICE
Anyone in the United States can join Members Choice Credit Union by becoming a member of the Texas Consumer Council at no cost. You are also eligible if you live, work, worship, or attend school in several greater Houston area counties, or if you work for a partner employer like ConocoPhillips or Sysco.
Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
Employer
ConocoPhillips Company, Phillips 66, Continental Carbon Company, Daniel Industries Inc, Diamond Offshore Drilling Inc, DuPont Company - Texas Locations, Oceaneering, Sysco Corporation, UTEX Industries
Association / SEG
International Coaching Federation - Texas Locations, The Arc of Harris County, Texas Consumer Council (TCC)
County
Harris County, TX, Fort Bend County, TX, Brazoria County, TX, Montgomery County, TX, Austin County, TX, Chambers County, TX, Galveston County, TX, Liberty County, TX, Waller County, TX, Wharton County, TX
Where MEMBERS CHOICE writes mortgages
MEMBERS CHOICE publishes mortgage lending in 1 state.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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