Take charge of your spending, saving, and budgeting
Whether you're paying off your old student loans, consolidating your debts, paying for appliance or vehicle repair, or planning a dream vacation, a Members Choice personal loan can be a great option when you don't have — or don't want to tie up — the cash you have on hand.
With our HomePlus, Signature Loan and CD Secured Loan options, you’ll get fixed-rate payments and no prepayment penalties. Check our current competitive rates for personal loans. View Loan Rates
Unsecured HomePlus Personal Loan – for Homeowners**
If you need a quick loan solution for debt consolidation, home repairs or other personal funds, a HomePlus Personal Loan rewards you for home ownership without adding a lien on your current home. You can get from $10,000 to $30,000 of cash without the fees and expense of home equity closing costs.
- Loyalty Rate Discount Options – 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 a MCCU checking account.
Unsecured Personal Loan – Signature Loan
Our Signature Loans offer the stability of fixed monthly payments and a set low rate over a specific time frame. You'll get the cash you need upfront and all at once.
Loyalty Rate Discount Options – Get up to .30% in rate discounts: .10% for an automatic loan payment transfer from an MCCU checking account, .10% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card.
CD Secured or Share Secured Loan
Already have a Members Choice CD or Share Account? You could borrow against your already-established account with a CD Secured or Share Secured Loan. Get the same options as a Signature Loan but with a lower rate. It’s an easy approval process, plus, it’s a great option to build or repair credit.
Personal Line of Credit
Prepare for planned and unexpected expenses with a line of credit. Borrow against your line of credit and then repay the funds plus the variable rate interest over a specified term. Withdrawals in branch or at an ATM means you'll have flexible access to funds when you need them.
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.
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.
Call us at 281.754.1470 to ask questions or start a loan application by phone.
Apply in a Branch
To apply in branch, visit a branch near you.
Personal Loan Resources
Personal Loan Rates
Check our current competitive rates for personal loans. View Loan Rates
Debt Consolidation Calculator
Determine if debt consolidation is right for you. View Our Debt Calculator
Loan & Credit Line Payment Calculator
Find out exactly how to get to the payment you need. Get Your Payment
Line of Credit Payoff
Find out what it takes to payoff a line of credit. Run the Numbers
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.