Own a home? Check. Need cash without touching your equity? Double check.
Rates as low as 9.79% APR* for 37-60 months
Get up to 1.50% in Loyalty Rate Discounts1
Need some extra cash, but don’t want to touch your home equity? This loan is perfect for funding a fun vacation, tackling those home improvement projects, or covering those surprise expenses that pop up like car repairs, medical bills, a broken AC, or a leaky roof.
Get your funds fast
Unsecured loans up to $30,000 and you’ll have the cash you need. Application approvals made within 24 hours.1
Quick & easy application
Your online application can be completed within 15 minutes.
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.
Make the most of being a homeowner with a
HomePlus Personal Loan
If you're looking for a quick way to get cash for things like paying off debt, fixing up your home, or other personal needs, a HomePlus Personal Loan is a great choice. It lets you tap into your homeownership perks without putting a lien or a second mortgage on your house. You can borrow between $10,000 and $30,000 without the hassle and costs of home equity closing fees!
No expensive closing costs & no second mortgage
- Get rewarded for the stability of homeownership and your current mortgage payment history for fast cash, without the expensive closing costs, or lien, or timeline of a traditional home equity loan.
Loyalty rate discount options
As a Members Choice member, you can qualify for up to 1.50% in rate discounts:2
- .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
"Skip-A-Pay" on Your HomePlus 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.
HomePlus Personal Loans Current Rates
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 1.50% in rate discounts.1| Loan Type | Approximate Term | Rates as low as* |
|---|---|---|
| HomePlus Personal Loan |
37 - 60 months
($10,000 to $30,000) |
9.79% APR |
| HomePlus Personal Loan |
61 - 72 months
($10,000 to $30,000) |
11.24% 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 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.
2 Review current loan rates and terms. Rates shown reflect available rate discounts. For homeowners with at least one year of current mortgage payments. 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.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.