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Consumer Loan Rates

Auto Loan Loyalty Rate Discounts

Rates as low as 4.49% APR*

12-36 Months. Other terms available.
 
Your dream car awaits! Get behind the wheel today in a new or used car.

LIMITED TIME OFFER
Debt Consolidation Loans

Rates as low as 7.99% APR*

25-36 Months. Other terms available.
 
Say "buh-bye to high interest debt with a Debt Consolidation Personal Loan. 


12 - 36 months1 4.49% APR
37 - 60 months 5.49% APR
61 - 72 months 6.00% APR
73 - 84 months 6.75% APR
Approximate Term Rates as low as*


Or call 281.754.1470 for questions, or to start a loan application by phone.
 

HERO Savings Program

Law enforcement, first responders, military, educators and healthcare professionals can qualify for loan rate discounts and higher savings yields. 0.50% rate reduction on Vehicle Loans with a loan term of 37 months or higher. Terms and conditions apply. Learn More for Details.

 

Approximate Term Rates as low as*
12 - 36 months2 4.49% APR
37 - 60 months 6.00% APR
61 - 72 months 6.25% APR
73 - 84 months 6.85% APR


Or call 281.754.1470 for questions, or to start a loan application by phone.
 

HERO Savings Program

Law enforcement, first responders, military, educators and healthcare professionals can qualify for loan rate discounts and higher savings yields. 0.50% rate reduction on Vehicle Loans with a loan term of 37 months or higher. Terms and conditions apply. Learn More for Details.

New Auto Approximate Term Rates as low as**
12 - 36 months 8.00% APR
37 - 60 months 8.49% APR

Pre-owned Auto Approximate Term Rates as low as**
12 - 36 months 8.10% APR
37 - 60 months 8.65% APR


Or call 281.754.1470 for questions, or to start a loan application by phone.
Approximate Term Rates as low as*
12 - 36 months3 6.49% APR
37 - 72 months 6.85% APR
73 - 84 months 8.00% APR

Approximate Term Rates as low as*
(For Loans over $50,000) 85 - 120 months4 8.49% APR


Or call 281.754.1470 for questions, or to start a loan application by phone.

LIMITED TIME OFFER: Get a 3.00% Rate Discount on Unsecured Personal Loans for Debt Consolidation Purposes.*

Loan Type Approximate Term Rates as low as*
Debt Consolidation Unsecured Personal4 25 - 36 months 7.99% APR
Debt Consolidation Unsecured Personal 37 - 60 months 8.99% APR
Debt Consolidation Unsecured Personal
61 - 72 months 
(minimum loan amount is $20,000)
 9.99% APR

Call us at 281.754.1470 to ask questions or start a loan application by phone. 

LIMITED TIME OFFER: Get up to 2.00% in Loyalty Rate Discounts on Unsecured Signature Personal Loans*

Loan Type Approximate Term Rates as low as*
Line of Credit (Variable) N/A 10.50% APR
Unsecured / Signature Personal5 0 - 12 months 8.99% APR
Unsecured / Signature Personal 13 - 24 months 8.99% APR
Unsecured / Signature Personal 25 - 36 months 8.99% APR
Unsecured / Signature Personal
 37 - 60 months 9.99% APR
Unsecured / Signature Personal
61 - 72 months 
(minimum loan amount is $20,000)
 10.99% APR

Call us at 281.754.1470 to ask questions or start a loan application by phone.

HERO Savings Program

Law enforcement, first responders, military, educators and healthcare professionals can qualify for loan rate discounts and higher savings yields. 1.00% rate reduction on Personal Unsecured Signature Loans. Terms and conditions apply. Learn More for Details.

HomePlus Unsecured Personal Loan

Ask us about the HomePlus Personal Loan for Homeowners – a quick loan solution for $10,000 to $30,000 without adding a lien to your home, or having application or origination fees. Members Choice members can get up to 1.50% in rate discounts.***

Loan Type Approximate Term Rates as low as***
HomePlus Personal Loan
37 - 60 months
($10,000 to $30,000)
 9.79% APR
HomePlus Personal Loan
61 - 72 months
($10,000 to $30,000)
 11.24% APR

Call us at 281.754.1470 to ask questions or start a loan application by phone.
Type Term Rates as low as
Share Secured (Variable) Up to 120 months Regular Share plus 3.00%
CD Secured (Fixed) Term of CD CD rate plus 2.5%


Call us at 281.754.1470 to ask questions or start a loan application by phone.

Credit Cards6 Interest Rates
0% introductory rate on purchases for first 6 months and on balance transfers for the first 12 months – valid for new card holders only.
 After Introductory rate expires, rates between 11.00% - 18.00% APR

Credit Card Annual Percentage Rates (APR) accurate as of December 31, 2024.
For a complete summary of our credit card rates and solicitation disclosure, Print Current Credit Card Rates (PDF)

Call us at 281.754.1470 to ask questions or start a loan application by phone.
Loan Type Approximate Term Rates as low as
Seasonal (Unsecured Personal Loan)
12 months
($1,000 to $5,000)
 8.99% APR


Call us at 281.754.1470 to ask questions or start a loan application by phone.

Match or Beat Your Rate Up to 2%

Vehicle Loan somewhere else? Let us match or beat your current auto rate up to 2% and drive down your monthly payment when you refinance your car loan with us.

Or, get a cash-out refi of up to 125% financing to turn car's equity into fast cash. Terms and conditions apply.****  



Members Choice is Helping Heroes

The HERO Savings Program provides law enforcement, first responders, military, educators and healthcare professionals with loan rate discounts and higher savings yields. Whether you’re looking to purchase a new car or a new home or want to start putting away more money for the future, Members Choice is here to help our heroes save money while reaching their financial goals. Learn More.
 

Mortgage, Home Equity and Land Loans

Home Mortgage loans are available on residential primary residences and second/vacation properties and Investment properties located in Texas. Manufactured homes not allowed. Maximum combined loan to value on primary residences and second/vacation homes is 80%.  Maximum combined loan to value on investment properties is 75%.

Rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103 for more information or get a Quick Rate Quote online.


Finance your future ranch or recreational hunting and fishing land in Texas with us

Land loans are available on unimproved and rural residential properties located in Texas. Agricultural and farm & ranch loans are not allowed.  Our maximum loan-to-value is 80% with a 45% maximum DTI and a minimum 680 FICO. Ask about our 10% down option. No history of bankruptcy or foreclosures. Full appraisals and title policies are required. Rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103 for more information or get a Quick Rate Quote online.


 

Affordable Protection Products Available

Products
GAP (Guaranteed Asset Protection) (info)
Extended Warranty (info)
Multi-Shield Protection (info)
Debt Protection (info)
  • All Cause Life
  • All Cause Disability
  • Involuntary Unemployment & Family Medical Leave of Absence

Start off with an estimated rate quote – No credit pull required

Fill out the short form below to hear from a Loan Officer within the next business day.

Disclosures

*Annual Percentage Rate (APR) is accurate as of January 16, 2025. Rates are subject to change without notice. Each application is evaluated on an individual basis. Loan advances are granted based upon the applicant(s) credit history, ability to repay, purpose, stability and collateral.  Loan advances are not granted based upon method of repayment.  On variable rate loans, the Annual Percentage Rate (APR) for new advances and existing balances is based on an index which is the highest Prime Rate as published in the Money Rates section of The Wall Street Journal on the 15th day of the month for the preceding three months and is subject to change monthly. The index figure is posted in the lobby of each credit union office. Rate shown reflect available rate discounts. Print Current Loan Rates (PDF) Members Choice members can get:
  • Up to .50% in rate discounts for Auto Loans: .10% for an automatic loan payment transfer from an MCCU checking account, .30% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card.
  • Up to 2.00% in rate discounts for Personal Unsecured Signature Loans: .50% for an automatic loan payment transfer from an MCCU checking account, 1.00% for checking account direct deposit at the time of funding, .50% for a new or increased Credit Card. 
  • 3.00% in rate discounts for Debt Consolidation Unsecured Personal Loans: For debt consolidation purposes when selecting Debt Consolidation for loan purpose. Limited time offer. No other discounts will apply. Subject to additional underwriting review. Minimum term is 25 months. Other rates and terms are available.
** Rate shown reflect available rate discounts. First time auto buyer Members Choice members can get up to .50% in rate discounts: .10% for an automatic loan payment transfer from an MCCU checking account, .30% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card. Must be a member or eligible for membership in order to qualify for and obtain a loan or discounts. Loan can fund new or used vehicles only and does not apply to boats, recreational vehicles or motorcycles. Must be employed for a minimum of 12 months in a full or part time position. Payment may not exceed 20% of gross monthly income; proof of income required. Maximum loan to value (LTV) 90% of retail, with a minimum of tax, title and license cash down payment; not to exceed $30,000. Proof of insurance required at time of purchase. Terms up to 60 months including coverage benefits that include GAP, multishield and warranties. First payment required after 60 days. First time auto buyer loans are not eligible for our rate match program.
*** Rates shown reflect available rate discounts. For homeowners with at least one year of current mortgage history. Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges. Members Choice members can get up to 1.50% in rate discounts: .75% for 15-year homeownership (.25% for every 5 years), .25% for a mortgage with MCCU, .25% for an auto loan with MCCU, .25% for an automatic loan payment transfer from an MCCU checking account.


****Match or Beat Your Rate:  Limited time offer. Offer may end any time, and without notice. Members Credit Union will match or beat a member's current auto loan rate by 1%, not exceeding our lowest 37-72 month rate based on a member’s credit tier. Proof of current rate is required. Forms of proof include but not limited to: Online banking screen print, purchase agreement, statements, or any other methods for documentation purposes. Changes to ownership do not qualify for program. No other discounts will apply. Existing Members Choice Credit Union auto loans are ineligible for this refinancing offer. Not eligible for purchases. Vehicles must have a Texas title. Other terms and conditions may apply. 


(1) New Autos: Annual Percentage Rate of 4.49% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.37 per $1,000 borrowed at 4.49%. Discounts have been applied to the rate of 4.49%. We offer other terms up to 84 months.

(2) Pre-Owned Autos: Annual Percentage Rate of 4.49% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.37 credit per $1,000 borrowed at 4.49%. Discounts have been applied to the rate of 4.49%. For vehicles with mileage above 50,000 a rate increase of .50% will apply. For vehicles with mileage above 100,000 a rate increase of 1.00% will apply. We offer other terms up to 84 months.

(3) Boats/RVs/Motorcycles/ATVs: Annual Percentage Rate of 6.49% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $86.29 per $1,000 borrowed at 6.49%. Discounts have been applied to the rate of 6.49%. We offer other terms up to 120 months. Annual Percentage Rate of 8.49% is for an approximate term of 85-120 months. Payment example: 12 monthly payments of $87.22 per $1,000 borrowed at 8.49%. Discounts have been applied to the rate of 8.49%. We offer other terms up to 120 months.

(4) Debt Consolidation Unsecured Personal Loan: Annual Percentage Rate of 7.99% is for an approximate term of 25-36 months. Payment example: 12 monthly payments of $86.98 per $1,000 borrowed at 7.99%. Discounts have been applied to the rate of 7.99%. We offer other terms up to 72 months.

(5) Unsecured/Signature Personal Loan: Annual Percentage Rate of 8.99% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $88.38 per $1,000 borrowed at 8.99%. Discounts have been applied to the rate of 8.99%. We offer other terms up to 72 months.

(6) Credit Cards: A balance transfer could take up to six weeks to appear on your new card, depending on your previous card issuer. Check your accounts to track progress, and make sure you continue to make at least the minimum payment on the card you transferred the balance from on time to avoid late fees. 3% Balance Transfer Fee.