Master your money. Spend, save and budget like a pro.
LIMITED TIME OFFER: Say "buh-bye" to high interest debt with a Debt Consolidation Personal Loan.
Rates as low as 7.99% APR*
25-36 Months. Other terms available. Select "Debt Consolidation" on your application.2
Loyalty rate discounts
For a limited time, get up to 2.00% in loyalty rate discounts when you apply. Terms and conditions apply.1
Quick and easy application
Your online application can be completed within 15 minutes and you can get your decision within 24 hours.*
No extra fees
With no hidden fees—no application fee or origination fee—save your money for what you need most.
Fixed-rate payments and no prepayment penalties. Check our current competitive rates for personal loans. View Loan Rates
Looking for a financial boost? A personal loan is your go-to solution for various needs. Whether it's covering unexpected expenses, funding a dream vacation, or consolidating those high interest credit cards, a personal loan offers flexibility and ease. You'll benefit from lower interest rates and one easy payment, so you can focuson what matters most without the financial stress.
Unsecured Personal Loan – Signature Loan
Our Signature Loans offer the stability of fixed monthly payments and a set low rate over a specific time frame. You'll get the cash you need upfront and all at once.
- LIMITED TIME Loyalty Rate Discount Options1 – Get up to 2.00% in rate discounts for all other personal loan purposes: .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.
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LIMITED TIME Debt Consolidation Rate Discount Option2 – Get a 3.00% rate discount when you apply for a personal loan for debt consolidation purposes. No additional rate discounts apply.
"Skip-A-Pay" on Your Unsecured Personal Loan
Free up some funds by skipping a qualified loan payment without impacting your credit score. Read more about how our members can qualify.
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.
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.
Ready to get your personal loan started?
Our local team of loan officers can work with you to find the best options for your personal loan.
Apply Online
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 Loans1
A quick loan solution with no application or origination fees.
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. Rates shown reflect available rate discounts. Print Current Loan Rates (PDF)
1 Review current loan rates and terms. Rates are subject to change without notice. Rates shown reflect available rate discounts. Members Choice members can get up to 2.00% in rate discounts: .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. Limited time offer. No other discounts will apply. Other rates and terms are available.
2 Review current loan rates and terms. Rates are subject to change without notice. Rates shown reflect available rate discounts. Members Choice members can get 3.00% in rate discounts: When selecting the loan purpose as Debt Consolidation. Limited time offer. No other discounts will apply. Subject to additional underwriting review. Minimum term is 25 months. Other rates and terms are available.