Members Choice Of Central Texas

Po Box 20248
Waco, TX 76702

Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 199
Date Established 1935
Assets $186.73 million
Loans $154.26 million
Deposits $163.49 million
Capital $20.99 million

Members Choice Of Central Texas is an NCUA insured institution located in Waco, TX. It was founded in 1935 and has approximately $186.73 millions in assets.

Who can join?

If you live, work, worship or go to school in McLennan, Bosque, Coryell, Falls, Hill, Limestone, Milam or Robertson Counties (Texas), you can become a member-owner.

Field of Membership Restrictions

Membership in Members Choice of Central Texas Credit Union is open to those who live, work, worship or go to school in McLennan, Bosque, Coryell, Falls, Hill, Limestone, Milam or Robertson Counties in Texas.

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K 0.55% $2,500 $89,999 Learn MoreShow Less
Special: 6 Mo CD 0.85% $90,000 - Learn MoreShow Less
6 Mo CD 100K 0.85% $90,000 - Learn MoreShow Less
12 Mo CD 10K 1.06% $1,000 - Learn MoreShow Less
Special: 18 Mo CD 1.11% $1,000 - Learn MoreShow Less
18 Mo CD 10K 1.11% $1,000 - Learn MoreShow Less
Special: 24 Mo CD 1.16% $1,000 - Learn MoreShow Less
24 Mo CD 10K 1.16% $1,000 - Learn MoreShow Less
36 Mo CD 10K 1.46% $1,000 - Learn MoreShow Less
48 Mo CD 10K 1.51% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.40% $25 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K 1.06% $1,000 - Learn MoreShow Less
Special: 6 Mo FIRA 0.85% $90,000 - Learn MoreShow Less
Special: 18 Mo FIRA 1.11% $1,000 - Learn MoreShow Less
Special: 24 Mo FIRA 1.16% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K 0.40% $25 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K 0.40% $2,501 $5,000 Learn MoreShow Less
MM 10K 0.50% $10,001 $25,000 Learn MoreShow Less
MM 25K 0.55% $25,001 $75,000 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

There are currently no rates available for MEMBERS CHOICE OF CENTRAL TEXAS

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Branches

Below are Members Choice Of Central Texas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Members Choice Of Central Texas Locations

Financial Details

Members Choice Of Central Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Members Choice Of Central Texas. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA insured. Depositors should be careful to remain within NCUA-insurance limits.

Texas Ratio
Members Choice Of Central Texas U.S. Average
3.43% 7.80%

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. As of December 31, 2016, Members Choice Of Central Texas had $351,618 in non-current loans and $464,810 in owned assets. To cover these potential losses it had $20,986,671 in net worth and $2,838,136 in loans loss reserves. That gives it a Texas Ratio of 3.43%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth
Members Choice Of Central Texas U.S. Average
12.51% 13.06%

Members Choice Of Central Texas FCU has a net worth of 12.51% versus the BestCashCow average of 13.06%. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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