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Consumer Loan Rates

Get $250 Cash Back when You Finance Your Auto Loan with Us

Get in the fast lane!
This cash back offer expires on September 30, 2023.
Terms and conditions apply. Learn More for details. 

Learn More

HERO Savings Program

Law enforcement, first responders, military, educators and healthcare professionals can qualify for loan rate discounts and higher savings yields.
Terms and conditions apply. Learn More for details.

Learn More

Graphic says "Ask us about our 1% Rate Match"Looking to refinance? We will match or beat your current rate by 1% when you refinance your auto loan with us. Apply now to get your Rate Match quote. Limited time offer. Certain conditions apply.‡

12 - 36 months1 4.59% APR
37 - 60 months 5.69% APR
61 - 72 months 6.04% APR
73 - 84 months 6.43% APR
Approximate Term Rates as low as*


Or call 281.754.1470 for questions, or to start a loan application by phone.
Graphic says "Ask us about our 1% Rate Match"Looking to refinance? We will match or beat your current rate by 1% when you refinance your auto loan with us. Apply now to get your Rate Match quote. Limited time offer. Certain conditions apply.‡

Approximate Term Rates as low as*
12 - 36 months2 4.69% APR
37 - 60 months 5.89% APR
61 - 72 months 6.24% APR
73 - 84 months 6.63% APR


Or call 281.754.1470 for questions, or to start a loan application by phone.
New Auto Approximate Term Rates as low as**
12 - 36 months 7.49% APR
37 - 60 months 8.00% APR

Pre-owned Auto Approximate Term Rates as low as**
12 - 36 months 7.69% APR
37 - 60 months 8.19% APR


Or call 281.754.1470 for questions, or to start a loan application by phone.
Graphic says "Ask us about our 1% Rate Match"Looking to refinance? We will match or beat your current rate by 1% when you refinance your boat with us. Apply now to get your Rate Match quote. Limited time offer. Certain conditions apply.‡

Approximate Term Rates as low as*
12 - 36 months3 6.69% APR
37 - 72 months 7.05% APR
73 - 84 months 8.20% APR

Approximate Term Rates as low as*
(For Boats over $50,000) 85 - 120 months4 8.69% APR


Or call 281.754.1470 for questions, or to start a loan application by phone.
Graphic says "Ask us about our 1% Rate Match"Looking to refinance? We will match or beat your current rate by 1% when you refinance your RV, motorcycle or ATV with us. Apply now to get your Rate Match quote. Limited time offer. Certain conditions apply.‡


Approximate Term Rates as low as*
12 - 36 months3
6.69% APR
37 - 72 months
 7.05% APR
73 - 84 months
 8.20% APR


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

Loan Type Approximate Term Rates as low as*
Line of Credit (Variable) N/A 9.00%
Unsecured / Signature 0 - 12 months 9.10%
Unsecured / Signature 13 - 24 months 9.60%
Unsecured / Signature 25 - 36 months 10.49%
Unsecured / Signature
 37 - 60 months 10.69%
Unsecured / Signature
61 - 72 months 
(minimum loan amount is $35,000)
 11.69%

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.

Loan Type Approximate Term Rates as low as***
HomePlus Personal Loan
37 - 60 months
($10,000 to $30,000)
 8.69%
HomePlus Personal Loan
61 - 72 months
($10,000 to $30,000)
 9.69%


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 Cards5 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 11.50% - 18.00% APR

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)
 6.60%


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

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

For a complete summary of our lending rates effective as of 09/13/23, Print Current Loan Rates (PDF)
For a complete summary of our credit card rates and solicitation disclosure effective as of 04/22/23, Print Current Credit Card Rates (PDF)
 
APR = Annual Percentage Rate. 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. Members Choice members can get up to .30% in rate discounts: .10% for an automatic loan payment transfer from an MCCU checking account, .10% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card. 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.
** Rate shown reflect available rate discounts. First time auto buyer Members Choice members can get up to .30% in rate discounts: .10% for an automatic loan payment transfer from an MCCU checking account, .10% 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. 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.
‡ MCCU "Match A Rate" Program - Members Choice will match and beat a member's current auto, boat, RV, motorcycle or ATV rate by 1%, not exceeding our lowest 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 any other methods for documentation purposes. Changes to ownership do not qualify for program. No other discounts will apply. First time auto buyers program is not eligible. Not eligible for purchases. Limited time offer.



(1) Annual Percentage Rate of 4.59% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.42 per $1,000 borrowed at 4.59%. Discounts have been applied to the rate of 4.59%. We offer other terms up to 84 months.

(2) Annual Percentage Rate of 4.69% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.47 per $1,000 borrowed at 4.69%. Discounts have been applied to the rate of 4.69%. 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) Annual Percentage Rate of 6.69% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $86.38 per $1,000 borrowed at 6.69%. Discounts have been applied to the rate of 6.69%. We offer other terms up to 120 months.


(4) Annual Percentage Rate of 8.69% is for an approximate term of 85-120 months. Payment example: 12 monthly payments of $87.31 per $1,000 borrowed at 8.69%. Discounts have been applied to the rate of 8.69%. We offer other terms up to 120 months.

 

(5) 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.