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Consumer Loan Rates

Auto Loan With Loyalty Rate Discounts

Rates as low as 3.24% APR*

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

HomePlus Unsecured Personal Loan with Loyalty Rate Discounts

Rates as low as 8.49% APR**

37-60 Months. Other terms available.
 
Exclusive personal loan for homeowners from $10K to $30K without tapping equity. 


12 - 36 months1 3.24% APR
37 - 60 months 4.99% APR
61 - 72 months 5.49% APR
73 - 84 months 6.24% 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. No other discounts will apply.  Learn More for Details.


Approximate Term Rates as low as*
12 - 36 months2 3.24% APR
37 - 60 months 4.99% APR
61 - 72 months 5.49% APR
73 - 84 months 6.24% 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.


Approximate Term Rates as low as*
12 - 36 months3 3.99% APR
37 - 72 months 4.99% APR
73 - 84 months 5.99% APR

Approximate Term Rates as low as*
(For Loans over $50,000) 85 - 120 months4 6.99% APR
(For Loans over $80,000) 121-180 months5 7.24% APR


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

LIMITED TIME OFFER: Get up to 1.75% 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 Personal6 0 - 12 months 8.24% APR
Unsecured / Signature Personal 13 - 24 months 10.24% APR
Unsecured / Signature Personal 25 - 36 months 11.24% APR
Unsecured / Signature Personal
 37 - 60 months 12.24% APR
Unsecured / Signature Personal
61 - 72 months 
(minimum loan amount is $20,000)
 13.24% APR
Unsecured / Signature Personal
73-84 months 
(minimum loan amount is $30,000)
 13.24% 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. No other discounts will 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 2.75% in rate discounts.**

Loan Type Approximate Term Rates as low as***
HomePlus Personal Loan8
37 - 60 months
($10,000 minimum)
 8.49% APR
HomePlus Personal Loan
61 - 72 months
($20,000 minimum)
 9.49% APR
HomePlus Personal Loan
73 - 84months
($30,000 maximum)
 10.49% 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 Cards9 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 10.25% - 18.00% APR

Credit Card Annual Percentage Rates (APR) accurate as of December 31, 2025.
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.

Match or Beat Auto Refinance***

Vehicle Loan somewhere else? Let us match or beat your current auto rate up to 1% 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 workers 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.
 

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 July 1, 2026. 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 2.00% in rate discounts for Auto 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 $1,000 per month, .25% for a new or existing MCCU Credit Card, .25% for MCCU extended warranty, and .25% for MCCU Payment Protection.
** Up to 2.75% in rate discounts for HomePlus Personal Loans:  .75% for 15-year homeownership (.25% for each five year increment of home ownership (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 $1,000 per month, and .25% for MCCU Payment Protection.
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 $1,000 per month, .25% for a new or existing MCCU Credit Card, and .25% for MCCU Payment Protection.
 

***Match or Beat Your Rate:   Loans subject to credit approval. Rates and terms are for illustrative purposes only and are subject to change without notice and may end at any time.  Members Choice Credit Union will match or beat a member's current external auto loan rate by 1%, as low as 4.99%. Proof of current rate is required. Changes to ownership and purchases do not qualify. Only select discounts apply. Existing Members Choice Credit Union auto loans are ineligible for this refinancing offer.  Financing is limited to vehicles with a valid Texas title. Out-of-state titled vehicles may not be eligible.  Other terms and conditions may apply.  Payment example: 12 monthly payments of $85.15 per $1,000 borrowed at 4.99%.  


(1) New Autos: Annual Percentage Rate of 3.24% is for an approximate term of 12 months. Payment example: 12 monthly payments of $84.80 per $1,000 borrowed at 3.24%. Discounts have been applied to the rate of 3.24%. We offer other terms up to 84 months.

(2) Pre-Owned Autos: Annual Percentage Rate of 3.24% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $84.80 per $1,000 borrowed at 3.24%. Discounts have been applied to the rate of 3.24%. 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 3.99% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.15 per $1,000 borrowed at 3.99%. Discounts have been applied to the rate of 3.99%. We offer other terms up to 120 months. 

(4) Boats/RVs/Motorcycles/ATVs:  Annual Percentage Rate of 6.99% is for an approximate term of 85-120 months. Payment example: 12 monthly payments of $86.52 per $1,000 borrowed at 6.99%. Discounts have been applied to the rate of 6.99%. We offer other terms up to 180 months.

(5) Boats/RVs/Motorcycles/ATVs:  Annual Percentage Rate of 7.24% is for an approximate term of 121-180 months. Payment example: 12 monthly payments of $86.64 per $1,000 borrowed at 7.24%. Discounts have been applied to the rate of 7.24%. We offer other terms up to 180 months.

(7) Unsecured/Signature Personal Loan: Annual Percentage Rate of 8.24% is for an approximate term of 12 months. Payment example: 12 monthly payments of $87.10 per $1,000 borrowed at 8.24%. Discounts have been applied to the rate of 8.24%. We offer other terms up to 84 months.

(8) HomePlus Personal Loan:  Annual Percentage Rate of 8.49% is for an approximate term of 37-60 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 terms up to 84 months.  

(9) 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.