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Personal Loans

Master your money. Spend, save and budget like a pro.

LIMITED TIME OFFER: Get up to 2.00% in Loyalty Rate Discounts1


Whether you're paying off your old student loans, consolidating your debts, paying for appliance or vehicle repair, or planning a dream vacation, a Members Choice personal loan can be a great option when you don't have — or don't want to tie up — the cash you have on hand.

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A fixed, low-interest rate

As Members Choice member, you take advantage of our exclusive 2.00% rate discounts when you apply.*

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Quick and easy application

Your online application can be completed within 15 minutes and you can get your decision within 24 hours.*

icon-gold cut rate symbolNo 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:  .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.  

Compare Personal Loan Options


 
 HomePlus Personal Loan** Unsecured Signature Loan Share
Secured
Loan
 CD Secured Loan Personal Line of Credit
Payments Fixed Fixed Variable
 Fixed Variable
Terms 37 to 72 months Up to 72 months
 Up to 120 months;
 Up to 60 months or the remaining CD term
 No term limit
Minimum/maximum loan amount $10,000 to $30,000 —
($35,000 minimum on 61-72 month term)		 Up to 100% of the share balance
 Up to 90% of the CD balance
 $25,000 maximum
Interest rate Fixed interest rate Fixed interest rate Variable interest rate: Share rate + 3.00% Fixed interest rate: CD Rate + 2.50% Variable rate
Secured vs. Unsecured Unsecured Unsecured
Secured with a Members Choice Share Account Secured with a Members Choice CD Unsecured

HomePlus Personal Loan Details Unsecured Personal Loan Details Share Secured Loan Details Share Secured Loan Details Personal Line of Credit Details

**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.

Apply in a Branch

To apply in branch, visit a branch near you.

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.

Loan Type Approximate Term Rates as low as*
Unsecured / Signature Personal 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
 
Check our current competitive rates for personal loans. View Loan Rates











Disclosures

*APR = Annual Percentage Rate. 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. 
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.

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.