group of three couples hugging their spouse while smiling at the camera

Loans

Whether it's a dream or a desire, we're here to help you when you need a loan to make it happen

When you need a loan — whether it's for a new home, a vacation, a car, or college, we're here to help. Because we're here to serve our members, our credit union loans can offer you terms that can often beat the big banks.
 
family of three standing outside their home, with a young child hugging dad

Mortgage Home Loans

Buying a home doesn't have to be stressful. Our mortgage advisors are here to help guide you through the process so you'll get the best home loan for your needs.
  • Low interest rates
  • $0 down, up to 100% financing available
  • Low closing costs
guy wearing sunglasses sitting in the drivers seat of his truck

New or Pre-Owned Auto Loans

Finance your new or new-to-you car through Members Choice and you'll get a competitive rate — often lower than traditional banks.
  • Affordable interest rates
  • Affordable Guaranteed Auto Protection (GAP)
  • Up to 60 days to the first payment

mother holding baby while she makes herself coffee in the morning

Home Equity and Home Improvement Loans

Get cash from the equity of your home to pay for home improvements, large purchases, and more. We'll help you decide the right option for your situation.
  • Competitive interest rates
  • Cash in hand
  • Local service
young child smiling and wearing a bright orange safety vest on the deck of a boat

Boat, Motorcycle and RV Loans

It's time to live the good life. Members Choice offers excellent service and some of the lowest rates to help you finance, or refinance, your next recreational vehicle.
  • Competitive interest rates
  • Up to 100% financing
  • Up to 60 days to the first payment
 
family of four wearing colorful sunglasses while hanging out of the car and waving

Personal Loans

Whether planned or unexpected, get the money you need when you need it. Our personal loan options make borrowing affordable and easy.
  • Competitive interest rates
  • Quick approvals
  • Easy application process
 
student wearing headphones while walking along a tree-lined campus path on a sunny day

Student Loans

Going to college or graduate school is an investment. Members Choice is proud to partner with Credit Union Student Choice in offering our members a valuable student lending solution.
  • $0 origination fees
  • Competitive rates
  • In-school deferment
 

Loan Calculators Resources


How much how can I afford?

Determine how much you can afford based on your desired payment, interest rate, and term. View the Home Budget Calculator

What will my monthly payment be?

Find out how much your monthly payment will be based on your loan amount, interest rate, and term. Calculate Monthly Payments

Should I consolidate my debt?

Calculate if consolidating outstanding credit card debt, student loans, auto loans and more is right for you. View the Debt Consolidation Calculator

 
group of people linked arm in arm outdoors

See What Our Members are Saying!

Throughout the past 36 plus years they have helped me finance numerous vehicles, boats, and also a signature loan to help me get my kids through college. They are very friendly, and respond to my phone calls or emails quickly. Great customer service!
- Alan C.

See What Our Members are Saying!

Their knowledge impressed us so much that we decided to go with MCCU for our auto loans too. If someone wants to have a WOW experience, visit MCCU.
- Nasor U.

Disclosures

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