If you deal with cash MCCU is not the bank for you. Very low daily ATM withdrawal limit. Slow tellers. And branches that do not keep much cash on hand. Oddly, there seems to be no limit on the amount of cash you can deposit. read more

Came to open a bank account here at members choice got helped by Mr Anthony Hillsman great service very helpful one of the best easy quick and great experience thank you again Mr Anthony read more

You do not deserve a star at all, you deserve to be fired! Whoever is the decision maker for hardship in that credit union, I hope you experience hardship and no one shows you any mercy like you did to me. If I could, I would take this loan to another bank or credit union. Trying to make my interest rate higher instead of allowing me to do the hardship program you offer. You bashed me about my credit score that had nothing to do with the hardship program, you were so unprofessional, so I hope no one shows mercy on you when you ask for help!! read more

I had a very disappointing experience applying for a home equity loan with Members Choice Credit Union. Back in April, I submitted my application and was told I would be contacted. Weeks went by without any response. I had to repeatedly call myself, only to be asked for more information that I quickly provided. Still, no one followed up. When I finally got through again, I was told I was approved and that someone would call me back so I could sign the closing documents. That call never came. I had to keep chasing them down. The loan officer handling my case, Sandra Curiel, even told me she would call after the labor day weekend, but weeks passed and I still received no update. After months of being ignored, I lost trust in the process and decided to take my business to Chase. To make matters worse, after all that time, I only received a late apology call. This lack of communication and professionalism is unacceptable. If you are considering doing business here, be prepared to do all the follow-up work yourself. I do not recommend Members Choice Credit Union for anyone who values reliability or timely communication. I have had a pleasant experience with Chase and highly recommend them. - Walter Rodriguez read more

The worst Customer Service I've experienced with a reputable institution -- impossible to get anyone to answer the phone. They think nothing of keeping 19, 20 people on the line waiting - for a bank, this is shocking. One cannot speak directly to the Manager of any one of the branches as there's no way to get someone on the line to put you through; I finally got someone at the headquarter location offer to put me through to a branch and get the Manager on the phone, but then was told the branch was not answering their phone. In the middle of a workday afternoon! read more

So originally I heard nothing but great reviews about this bank. Boy, was I wrong. Their Katy branch is weird. No teller booths like a normal bank would have. You walk in and it's a ghost town. You practically have to walk around to find someone and half the time your either ignored or no one smiles. Also, don't even bother trying to get a loan through MCCU, because the minute your late just ONCE (even if you have had good standings from making payments on time from past loans) they still will put a huge "General Hold" on your checking account; meaning they automatically take your money away without first contacting you, or at least emailing you about the heads up. Plus they don't even list WHO the general hold is from. ALSO (nope not done yet with all that's been wrong about this pos bank) is any of the thousands of black listed companies their fraud department has on their list; like the food service known as Factor, they automatically decline their charge, SHUT your card down without notifying you. Then if only way you can have your card turned back on is you have to go to a branch and tell them what happened and then have to wait 10-15 days in order to get a new card. These dumbasses don't even give you a temporary debit card to use since you have to wait so long for a new one. Most banks offer a temporary debit card but not MCCU. I HIGHLY DO NOT RECOMMEND. They are a nightmare to deal with. read more

Cindy was amazing - got my auto rate down over 2% and was so great to work with. The most amazing service and I can't believe how much they were able to get my rate down! Can't recommend enough!! read more

John Padilla II is an incredibly rude and dismissive man. The bank was recently attacked by an account breach which led to money being fraudulently removed from my account. I removed my money and requested my account be locked and frozen. Despite this, fees were still piled on. My account was then written off and reported as a debt to credit agencies. Upon trying to resolve this, John not only talked over me, belittled me, and talked in a condescending manner, he also refused to elevate to his manager and hung up on me. Now, I was a victim of hacking, a victim of account closure and false credit reporting, and now a victim of poor customer service. At no point was there a resolution that acknowledged I was a victim. Save your time and money. Do not bank here. Your money isn't safe, and if John is an indication of customer service, your credit isn't safe either. read more

It is 2:11 pm 11/11/25 . I was on hold to speak with a banker for 30 minutes to request to apply by phone for a Visa credit card. The gentleman for whom I finally spoke to about this said he would need to transfer me to the Team that handles over the phone applications. I got what sounded like an "AI" generated voice saying, sorry unable to complete your call and abruptly disconnected the call. Very Rude and a waste of my time . I wish i could have given a "0" instead. read more

Anthony Hillman helped me open 2 accounts today great service fast and easy would highly recommend first choice as a bank company

John Padilla II has not made my experience with MCCU very pleasant. He has no empathy towards financial hardships and not professional and comforting at all. Very condescending! I am a month behind on my mrtg which I have already made clear with him that it would be paid at the END of November! I've been with my company 6 years and my bonus has always paid the same. don't tell me that I said I would pay that late payment on Nov 15. And sound very rude about it! I told you already that it would get paid. Stop harassing me every month. Nothing has changed I am one payment behind! not 2 or 3! read more

My husband and I have been banking with Members Choice for over 45 years and are very pleased. Today I spoke with Casey about a problem my husband had with Pay Pay/ Too much to get into, but Casey was excellent! She called me back each time at the exact time she said she would and really went above and beyond helping me with this problem! I hope her boss reads this because she is an excellent employee, There needs to be more like her in this world. Thank you again and again for your help Casey, Joyce R. read more

I had a situation with a payment to my credit card. I made the payment with a representative but the payment never posted or debited my institution. I contacted Members Choice because I was charged a late fee and a negative for the payment. ERIK GUERRERO listened, contacted the right department to help me. Took time and allowed the representative from.my institution to explain as proof that the payment was never presented for deduction. It took a total of about 3 hours but he never pushed me off to the next person. He made sure all the issues were resolved. Erik Guerrero deserves and earned my 5 star rating. Thank you Erik.​ read more

Hi. Thank you for reaching out. I have had an account with Members Choice since 2015. I was so happy with the level of professionalism and quality at first. However, seeing as these problems have been happening for a few years now and it didn't matter until I posted a review, I don't think I'll be giving y'all an opportunity to "make it right." The opportunities were ample. The desire just wasn't there until I revealed the institution's laziness to others. read more

Very quick to pick up and help me adjust my limit. Ida helped me on the phone and was very professional. Thank you!

How many stars would you give a mortgage company that consistently neglected to pay your annual insurance bill on time and then screwed up your property tax payment? I'm giving them 1. read more

I was having an issue and Mario fixed it. It was my mistake as I was confusing the dates. I just now need the acct unlocked. It was unlocked with no explanation. Thank you Mario. read more

Wow, just wow. Probably the worst banking institution I have ever had to deal with and that's saying a lot considering I have a chase, Wells Fargo and Bank of America account. Would not recommend ever for any reason! Angela and the little middle eastern chick were not helpful at all, in fact my previous experience was great and had I been asked then I totally would have recommend them, however after my experience today, I would never even if my life depended on it. That was absolutely ridiculous especially considering all I needed to do was deposit $15, into my account. $15! Like I lost more money being out of my office than the amount of money I needed to deposit into an account I don't even use!!!!! Will also be posting a review on all other social media and search engine platforms. Their only saving grace is the gentleman who helped me on my previous transaction, but let's be real unless he handles allll of my transactions, I have no desire to deal with this branch again. read more

Great company always a great experience easy and fast drive through and online banking the best. Live the referral plan works for both parties. Karen read more

I wish I could give less than one star. These people are truly idiots. You have a corporate structure that is borderline "big bank" and cares only about revenue and loan dollars. You have staff that is heartless and ignorant about their industry. And you have members that are in need of education and guidance, with no support from their banking institution. The goal of a credit union is for the benefit of the members. Yet simple questions often require 2-3 phone calls up the chain before getting back ridiculous and inaccurate information. I beg all of you, leave MCCU, members and staff alike. Corporate does not care to educate its staff, at all. Lending practices seem very inconsistent. Service is better at Wal Mart. And nobody seems to want to give you the time of day unless you are Rupert Murdoch. Why would I ever apply for a loan, wait two weeks for a declined response, and "try again" at a rate double the industry standard? Inflation and recession are coming...I'd advise the powers that be at MCCU to wake up and realize they will run their credit union into the ground. Clearly nepotism and favoritism has earned these "leaders" their spot. My advice is they remove their noggins from their rectum, it's not a hat! read more

I have a business and personal accounts. We are taking are business elsewhere. MCCU went downhill in the past few years. They always have new hires, they don't answered the phone and make things difficult. Can't wait to change lenders. read more

Lousy customer service can't make cash deposit into account, they charge almost 20 percent for cash transfer, ridiculous. We will close all accounts.not worth a star read more

Worse experinse sold the car run me around for two days now telling me take another week to get my check never saw anything like that Customer has a car + title already transfer but take them one week to make sure title transfer is legit when i send them the Dnv paper work said title transferred and paid for it read more

I like the fact that their interest rates are low, but somehow our home equity loan took 4 months to process, finally the VP took over it and had it done in one week We have worked with them for years. It was just one person we got that was not trained properly apparently he never was asking anyone to help him. We still think it's the best place to go for low interest rates read more

I've been banking with members choice for just over 7 years. everything was great until two weeks ago. my transmission went out. I had to liquidate assets and transfer money in order to pay for it. I caught a ride across town to pick up my car and try to pay for it. first I use my debit card, didn't work. then a check still declined. so I call members choice only to be told there is a limit to how much money I can spend in a day and since it's 5 and after hours they can't help me. spending over 2k to fix my car that I'm still paying off shouldn't be any more painful than it already is. last week after work I go run some errands. when I swipe my card I am told that the card is flagged as fraud. members choice deactivated my card without notifying me. luckily I wasn't across town and needing to get gas. when i called they said they would rush deliver me a new card in time for me to go out of town for the weekend. I did not receive that card at all. I did however locate the card they had initially sent me a month ago so I tried to activate it. no such luck. so now I need to buy groceries for the week and put gas in my car to get to work and can't access my money. the right hand doesn't know what the left hand is doing. and if you need assistance after hours in most cases your out of luck. get it together members choice. I'm currently finding a new bank. read more

I have banked with MCCU for more than 10 years. We have had ups and downs over this time, as I am self-employed. We have paid off one loan and about to pay off another loan with MCCU. When we tried to get a pre-approved letter from them, they denied us because of incorrect information on the credit report and are not willing to work with us even though we provided proof of the discrepancies. No more loans from them ever!!!! Be ware. Bank with someone who works with you. Take your business elsewhere. read more

We've had nothing but great customer service in the few months that we have been at Members Choice. We went to get a loan and it was very quick and easy and they really treated us like family. I'm not the most bank savvy person so they're always super helpful (and patient) with all of my questions. They are a small bank, so after hours services aren't as splendorous as major banks. We have checking accounts with a different bank too to avoid that problem. I went to make a deposit today with my dog in the car and they gave her some treats! I really like a bank who's first words to you are, "Hi! How are you doing today?" It really makes us feel special. read more

Harry was so helpful with us as we got our car loan! He was professional and responsive and we were able to submit all paperwork on time with his help. I recommend Member's Choice if you are in need of any auto loan needs! read more

I can't say enough about Harry. It was a pleasure to work with such a professional. He was very timely in his responses. He made securing my auto loan process painless. I would recommend MCCU/Harry to anyone looking to purchase a vehicle. Thanks again, Harry! read more

Ask for HARRY...He was phenomenal, just purchased a brand new vehicle and was only able to communicate with him via our electronics and he was quick and thorough! Thankful for technology!! He was great, can't say enough but THANKS HARRY!!! Got our deal closed n no time!! read more

I opened my account almost 8 years ago and never had a negative thought about the service received. I missed out in the recommend a family, or friend to open an account and receive 25.00 for myself and my family, or friend. However I still brought my daughter to open her account with MCCU. Because there's no other bank that has better rates and service. read more

I been a customer for 10 yrs, excellent service no issues, Never had any incoviniences i really recommended this bank.

I've been a member for over 5 years and will continue to be in the years to come. The staff is very professional. Whether I'm there for a withdrawal or to get any loans. Very informative. I refinanced my car with them last year and was able to reduce my monthly payments by over a $100. read more

Slow and charge you for every little thing... They usually have 7+ people working but nobody will be able to help you so you will have to wait alot... read more

Why on the website and the credit union is listed as open on Columbus Day, but it isn't. I hate this credit union but it's the closest to my house. I use it for convenience and that's it. read more

I highly recommend going to a different Bank then Members Choice. They will slap you with overdraft fee after overdraft fee even if you have the money in your account all because a pending transaction may make you negative. We have had transactions pending for up to 3 days with money in our account but got charged multiple overdraft fees because the pending transaction may put us negative if it goes through even if the transaction went through finally after we got paid. We wouldn't have been negative but was put in the negative by the bank. This has happened multiple times to us. We were just hit with 6 overdraft fees due to a billing company taking a payment earlier then schedule but because that transaction went into the pending status we were charged for 5 overdraft fees when we would have had over $20 in our account when the unexpected bill finally posted. We were charged $168.00 in overdraft fees when we should have only been charged $28.00 but because they charged us $140 more they put us in the negative status before the 1 transaction that would have landed us there even went through. When I tried to stop tje payment from going through both the billing company and the bank told me there was nothing they could do. This isn't the first time this Bank has done this to us. I spent over 30 minutes trying to get to talk to a actual person and for nothing. This bank is a joke. If you call them about it they may credit up to 3 overdraft fees back but that's it because that's their limit. A complaint has been filed against them for what they have done to us. On top of that they have also transferred 6 cents from our savings account into our checking while we had money in our checking then charged us a $5.00 transfer fee for it. When we had a loan through them I paid off the full amount shown that we owed just for them to say we owed another $1.36 still even though I just paid the full amount shown. We will be looking into closing oir accounts and going to a different Bank. read more

Harry went above and beyond with a recent auto purchase. He was prompt and responsive to calls and emails. I have banked here for 10 years and always appreciate the service level! read more

Do you enjoy being treated like an idiot? Well then, this is the bank for you! I've tried to complete wire transfers on two separate occasions and both instances have caused me nothing but frustration. You would think following the instructions on the form would allow you to submit the request without any complications. Not so! You get a call from them telling you that you put incorrect information down this box...and that one...well now you are going to have to submit it all over again. Why wasn't that information on the form in the first place? Their response - 'We'll pass that along'.Oh, you have a tight deadline on the wire transfer? Well then, good luck with that. Cause you're not gonna get any help from this bank. Also, it's your fault for not coming in to the location to take care of things in person. Cause you know, who needs to work for a living when you can spend an entire day trying to deal with a simple financial transaction. Long story short - I'm in the market for a new Credit Union and will be closing my accounts with Members Choice. read more

Customer Service over the phone is not the greatest. When an issue rises, they look after their wallet only. Just this morning I had to call in for an unauthorized charge and the bank won't reverse any fees or charges until the 45 days for "investigation" are completed. this is just crazy and unjust. Not what I would have expected. I would assume they would agree to reverse the charge and fees until the investigation is complete and if found it was not unauthorized they would impose the charge and fees. (kind of like what Capital One does for unauthorized charges, along with Thrivent Financial, and USAA) Now I know what I am doing today......switching banks. read more

These are the most dishonest, unethical, crooked bankers that I have ever dealt with. Their word whether spoken or in writing in completely worthless and they will look you straight in the eye and tell you bold faced lies. Do not talk their word for anything otherwise you will end up getting it stuck to you. After sitting down with Steve Gilman, the President and Rob Bouvier, their Credit and Collections Manager, an agreement was reached so that everything could be taken care of only to find out that they had no intention of honoring anything and in fact accelerated things. February 2 - spoke with collections and told had until February 10 to make two payments February 6 - received an email from prospective employer that an offer letter would be coming on Monday. Great, a new job paying six figures. February 6 - go outside and my car is gone February 7 - contact Members Choice and they confirmed that they took the car at 71 days past due. Told had until February 16 to get the car back. February 11 - told by someone that they would loan us the money if I could get that offer letter. February 13 - told by new employer that offer was rescinded because they felt that I was starting to come across as "desperate". I wonder why I was "desperate"? February 16 - Members Choice is closed for President's Day so they knew that we would have less than the mandatory 10 days to rectify this matter. February 17 a.m. - Met with Steve and Rob and they would "investigate". February 17 p.m. - Received an email from Robert Bouvier that Members Choice was going to give us until February 24 to come up with 3 payments to get our car back. I explained how we would have the money without the involvement of a third party. February 19 - Unknown to us, Members Choice sent the car to auction so that there would be no way for them to honor a written agreement made with them. It is our belief that Members Choice had no intention of honoring anything that they were agreeing to. They wanted us to make three payments which would be in excess of $1000 on a car that had less than 12 months still owed. Members Choice would have gladly taken our payments and given us the documents to go retrieve the car knowing that it would not be there. Unless you want to have a nightmare of an experience, when it comes to Members Choice Credit Union, run fast and run far. We had done business with them since 1978 and it meant absolutely nothing. Apparently it does not matter how long you have done business with them. We have never been so intentionally deceived in personal business like these people set out to deceive us from the very beginning. There was a $1200 extended warranty attached to the contract and we were told when we signed the papers that if we never used it, they would refund the money. Now I have no doubt that it was a lie just to sell it to us when I did not want it. I can guarantee you that we will never see a dime of that money and we will never receive credit for it. These people are so dishonest to the point that their actions should be considered criminal. True Texans just do not operate the way these guys do and should be run out of town. read more