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HomePlus Personal Loans

Get cash without using the equity in your home

Apply now for a Members Choice HomePlus Personal Loan to take advantage of low fixed interest rates, no closing fees, and loyalty discount options.
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Get Your Funds Fast

Unsecured loans up to $30,000 and you’ll have the cash you need. Application approvals made within 24 hours.*
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Quick & Easy Application

Your online application can be completed within 15 minutes.
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No Collateral Required

If you’ve been in your home for more than a year, take advantage of your equity without using it as collateral.

Take Advantage of Homeownership
with a HomePlus Personal Loan

If you need a quick loan solution for debt consolidation, home repairs or other personal funds, a HomePlus Personal Loan** rewards you for home ownership without adding a lien on your current home. You can get from $10,000 to $30,000 of cash without the fees and expense of home equity closing costs.

No Expensive Closing Cost – No Payments for 90 Days

  • Get rewarded for the stability of homeownership without the expensive closing costs, or lien, from a traditional home equity loan.
  • You’ll have the option to defer payments for the first 90 days.

Loyalty Rate Discount Options

As a Members Choice member, you can qualify for 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 a MCCU checking account

Compare Personal Loan Options

HomePlus Personal Loan** Unsecured Signature Loan Share Secured Signature Loan
CD Secured Loan 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

**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.

Personal Loan Resources

Personal Loan Rates

Check our current competitive rates for personal loans. View Loan Rates

Debt Consolidation Calculator

Determine if debt consolidation is right for you. View Our Debt Calculator

Loan & Credit Line Payment Calculator

Find out exactly how to get to the payment you need. Get Your Payment

Line of Credit Payoff

Find out what it takes to payoff a line of credit. Run the Numbers


*24 hours is based on normal business hours. If application is received during business hours. Weekend applications get processed the following business day. Some variances may occur. HomePlus Personal Loan dollar ranges are between $10,000 and $30,000.
**For homeowners. Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges.

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