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Personal Loans

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.

Low-Rate Personal Loan Offer

As Low As 7.99% APR*

0 - 12 Months - Other terms available

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

HomePlus Personal Loan** Unsecured Signature Loan Share Secured Signature Loan
CD Secured Loan Line of Credit
Payments Fixed Fixed Variable
Fixed Variable
Terms 37 to 72 months Up to 72 months
Up to 120 months;
Up to 60 months or the remaining CD term
No term limit
Minimum/maximum loan amount $10,000 to $30,000
($35,000 minimum on 61-72 month term
Up to 100% of the share balance
Up to 100% of the CD balance
$25,000 maximum
Interest rate Fixed interest rate Fixed interest rate Variable interest rate: Share rate + 3.00% Fixed interest rate: CD Rate + 2.50% Variable rate
Secured vs. Unsecured Unsecured Unsecured
Secured with a Members Choice Share Account Secured with a Members Choice CD Unsecured

*APR = Annual Percentage Rate
**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, 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.