Life comes with planned purchases and surprise expenses. Our personal loans and credit cards start with lower interest rates to help you get the money you need.
Unsecured Personal Loans
Whether planned or unexpected, get the money you need when you need it.
- Eligible for up to 1.75% in standard rate discounts1
HomeRewards Personal Loans
Get cash without using your home’s equity with a HomeRewards Personal Loan. Perfect for smaller projects, like home maintenance, paying off debts, or boosting curb appeal.
- Eligible for up to 2.75% in standard rate discounts2
Low Rate & Cash Back Credit Cards
All of our personal credit cards feature 0% intro APR rates for 6 months, and 0% balance transfer rates in the first year to help you tackle debt.3
Savings Secured Loans
Boost your credit score while borrowing a small amount of money at a lower interest rate.
Personal Line of Credit
For the "just in case" moments. A Personal Line of Credit gives you access to money when you need it, whether it's a car repair, home expense, or surprise bill.
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.
Disclosures
*Annual Percentage Rate (APR) is accurate as of September 24, 2026. 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 Members Choice members can get up to 1.75% in rate discounts for personal loans: .25% for an automatic loan payment transfer from an MCCU checking account, 1.00% for MCCU checking account direct deposit within 60 days of funding with a minimum of $1,000 per month, .25% for new or existing MCCU credit card, and .25% for MCCU Payment Protection. Hero Member Discounts are limited to individuals in the following Professions: Medical Professionals such as doctors and nurses, Active-Duty Law Enforcement Officers, Active-Duty Military and Military Veterans, Teaching Profession – Teachers and Administrative Staff. Members Choice Hero members may qualify for the following loan benefits: 1) an additional 1.00% rate reduction on Personal Unsecured Signature Loans on top of other available rate discounts excluding HomeRewards Personal Loan and 2) an additional 0.50% rate reduction on Vehicle Loans on top of other available rate discounts excluding loan terms of 12-36 months. Vehicle Loan discounts may not be applied to the Match or Beat a Program, and existing MCCU vehicle loans may not be refinanced. You must select “I qualify as a HERO” in the application to receive this benefit. Subject to verification.
2 Members Choice members can get up to 2.75% in rate discounts for a HomeRewards personal loan: .75% for 15-year homeownership (.25% for each 5 year increment 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 MCCU checking account direct deposit within 60 days of funding with a minimum of $1,000 per month, and .25% for MCCU Payment Protection.
3 Personal Credit Cards: Credit Card Annual Percentage Rates (APR) accurate as of December 31, 2025. For a complete summary of our credit card rates and solicitation disclosure, Print Current Credit Card Rates (PDF)
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 10.25% 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.
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 11.75% 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. 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.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.