{"slug":"members-choice-credit-union-complete-checking-rate","category":"bank","institutionSlug":"members-choice-credit-union","product":"Complete Checking","title":"Members Choice Credit Union Complete Checking: 4.07% APY","bonus":"4.07% APY","unit":"cash","amount":0,"reqShort":"$0.01 minimum, 10 debit card purchases/mo, $1,000/mo direct","expiresOn":null,"status":"live","verifiedOn":"2026-08-02","reports":0,"openIssues":0,"states":["TX"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"If monthly qualification requirements are not met, dividend rate drops to 0.0% for that cycle.","posts":"Rewards calculated and paid on last day of each monthly cycle.","applyDomain":"info.mccu.com","applyUrl":"https://info.mccu.com/complete-checking-texas","summary":"Earn up to 4.07% APY on your checking account balance. You must receive monthly e-statements, make at least 10 debit card purchases per month, and maintain a minimum $1,000 monthly direct deposit to qualify. If requirements are not met, the rate drops to 0%.","reqSteps":[],"finePrint":["Rates are tiered based on account balance","Rate is variable and may change at any time without notice","If account requirements are not met, dividend rate on entire balance is 0.0% for that monthly cycle","APY accurate as of July 1, 2026","Fees could reduce earnings on the account"],"apy":407,"apyTerm":"ongoing APY","listedOn":"2026-08-02","listedAt":"2026-08-02T13:06:30.625Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"info.mccu.com rate page","url":"https://info.mccu.com/complete-checking-texas","checkedOn":"2026-08-02"}],"needsVerification":false}