Own a home? Check. Need cash without touching your equity? Double check.
Rates as low as 8.49% APR* for 37-60 months2
If you’ve owned your home for more than a year, this loan may be for you. Get extra cash without using your home’s equity, Borrow $10,000–$30,000 for home improvements, debt consolidation or unexpected expenses like car repairs, medical bills, a leaky roof or an AC replacement. Get fast access to funds with no home equity closing costs, no lien and no second mortgage.
Rate Discounts Available1
Members are eligible for rate discounts!
Get your money fast
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.
Need a Little Breathing Room? Skip a Payment.
When life gets expensive, eligible members can skip a qualified unsecured personal loan payment and keep more cash in their pocket, without impacting their 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.
Apply in a Branch
To apply in branch, book an in-person appointment at a branch near you
Disclosures
*APR = Annual Percentage Rate. Rates are subject to change without notice. Rate shown reflect available standard rate discounts. Each application is evaluated on an individual basis and subject to credit approval. 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 Members Choice members can get up to 2.75% in rate discounts on a HomeRewards Personal Loan: .75% for 15-year homeownership (.25% for every 5 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 checking account direct deposit within 60 days of funding with a minimum of $1,000 per month, and .25% for MCCU Payment Protection.
2 HomeRewards 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%. Standard rate discounts have been applied to the rate of 8.49%. We offer terms up to 84 months.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.