Unsecured Personal Loans
Whether planned or unexpected, get the money you need when you need it. Plus, our personal loans can often give you smaller monthly payments over other options.
- Quick approvals
- LIMITED TIME: Eligible for up to 1.75% in loyalty rate discounts1
- Easy application process
HomePlus Personal Loans
Get cash without using your home’s equity with a HomePlus Personal Loan. Perfect for smaller projects, like home maintenance, paying off debts, boosting curb appeal or other passion projects.
- Eligible for up to 2.75% in loyalty rate discounts2
- Loan amounts from $10,000 to $30,000
- No collateral and no closing costs
Low Rate & Cash Back Credit Cards
All of our personal credit cards feature 0% intro APR rates for 6 months, and 0% balance transfer rates in the first year to help you make the most of your purchases.3
- Choice Rate Visa - Low APR*
- Choice Cash Visa - 2% cash rebate on select purchases, $150 promotional signup offer
Personal Line of Credit
A personal line of credit lets you borrow just what you need instead of getting a big lump sum. It’s perfect for unexpected expenses, like car repairs or home projects, and it helps smooth out cash flow during tight months without the stress of fixed monthly payments. Withdrawals in branch or through your Debit Mastercard® means you'll have flexible access to funds when you need them.
Start off with an estimated rate quote – No credit pull required
Fill out the short form below to hear from a Loan Advocate within the next business day.
Compare Personal Loan Options
**For homeowners. Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges.
Disclosures
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.
*Annual Percentage Rate (APR) is accurate as of September 4, 2025. Rates are subject to change without notice. Rates shown reflect available rate discounts. 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. Print Current Loan Rates (PDF)
1 Review current loan rates and terms. Members Choice members can get up to 1.75% in rate discounts for Personal Unsecured Signature Loans: .25% for an automatic loan payment transfer from an MCCU checking account, 1.00% for MCCU checking account direct deposit within 60 days of funding with a minimum of $500 per month, .25% for new or existing MCCU credit card, and .25% for MCCU Payment Protection.
2 Review current loan rates and terms. For homeowners with at least one year of current mortgage payments. 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 2.75% in rate discounts: .75% for 15-year homeownership (.25% for each 5 year increment 5, 10, or 15), .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, 1.00% for MCCU checking account direct deposit within 60 days of funding with a minimum of $500 per month, and .25% for MCCU Payment Protection.
3 Personal Credit Card Disclosures.
Credit Card Annual Percentage Rates (APR) accurate as of September 4, 2025. For a complete summary of our credit card rates and solicitation disclosure, Print Current Credit Card Rates (PDF)
Credit Card Annual Percentage Rates (APR) accurate as of September 4, 2025. For a complete summary of our credit card rates and solicitation disclosure, Print Current Credit Card Rates (PDF)
Choice Rate Visa: Introductory rate of 0% for 6 months on purchases and an introductory rate of 0% for 12 months on balance transfers from the date of account opening. After introductory period ends, the APR will be 11.00% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate. Balance transfer must be initiated within the first 180 days of account opening in order to qualify for introductory rate. 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.
Choice Cash Visa: Introductory rate of 0% for 6 months on purchases and an introductory rate of 0% for 12 months on balance transfers from the date of account opening. After introductory period ends, the APR will be 12.50% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate. Balance transfer must be initiated within the first 180 days of account opening in order to qualify for introductory rate. 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.