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 consolidating your debt, 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.
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)
- Eligible for up to .30% in loyalty rate discounts
- First time auto buyer options
- Refinancing option includes our 1% Rate Match Program to match or beat current financing**
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 boat or recreational vehicle.
- Competitive interest rates
- Up to 110% financing
- Up to 60 days to the first payment*
- Refinancing option includes our 1% Rate Match Program to match or beat current financing**
Credit Cards
All of our personal credit cards feature 0% introductory APR rates for 6 months, and 0% balance transfer rates in the first year to help you make the most of your purchases.***
- Choice Rate Visa - Low APR
- Choice Cash Visa - 2% cash rebate on select purchases, $150 promotional signup offer
- Signature Visa - Double the points for every dollar spent; 25,000 points promotional signup offer
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
- Personal Line of Credit options
- Secured Loan options
HomePlus Personal Loans
Take advantage of homeownership with a HomePlus Personal Loan for cash without using the equity in your home.
- Eligible for up to 1.50% in loyalty rate discounts
- Loan amounts from $10,000 to $30,000
- No collateral and no closing costs
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
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
Disclosures
* During initial 90 day no payment period, interest still accrues during this time.
** MCCU "Match A Rate" Program
- MCCU will match and beat a member's current Auto, Boat, RV, Motorcycle and ATV rate by 1%, not exceeding our lowest rate based on a member’s credit tier.
- Proof of current rate is required
- Forms of proof include but not limited to: Online banking screen print, purchase agreement, statements any other methods for documentation purposes
- Changes to ownership do not qualify for program
- No other discounts will apply
- Not eligible for purchases
- Limited time offer
*** Personal Credit Card Disclosures
APR = Annual Percentage Rate
Choice Rate Visa - Introductory rate of 0% for 6 months on purchases and an introductory rate of 0% for 12 months on balance transfers from the date of account opening. After introductory period ends, the APR will be 8.25% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.
Choice Cash Visa - Introductory rate of 0% for 6 months on purchases and an introductory rate of 0% for 12 months on balance transfers from the date of account opening. After introductory period ends, the APR will be 9.75% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.
Signature Visa Introductory rate of 0% for 6 months on purchases and an introductory rate of 0% for 12 months on balance transfers from the date of account opening. After introductory period ends, the APR will be 12.25% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.
Balance transfer must be initiated within the first 180 days of account opening in order to qualify for introductory rate. 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.