# Members Choice Credit Union Complete Checking: 4.07% APY

Canonical: https://dealaka.com/offers/members-choice-credit-union-complete-checking-rate

- Status: Limited reports
- Bonus: 4.07% APY
- APY: 4.07% (ongoing APY)
- Requirement: $0.01 minimum, 10 debit card purchases/mo, $1,000/mo direct
- Expires: no published end date
- Availability: TX (TX)
- Institution: Members Choice Credit Union
- Verified: Aug 2, 2026 against info.mccu.com
- Field reports: 0

## 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%.

## Requirements
1. Apply through the offer page to open the Complete Checking.
2. Complete the requirement: $0.01 minimum, 10 debit card purchases/mo, $1,000/mo direct.

## Fine print that matters
- 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

## Sources
- info.mccu.com rate page <https://info.mccu.com/complete-checking-texas> (checked Aug 2, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._